Insurance AI Visibility
NAIC & State Regulated | January 2026
📈 Improving Status
Insurance sector showing improvement - average score up from 29.3 to 34.9/100.
Comparison to Other Industries
| Industry | Score | Gap vs Insurance |
|---|
| Legal Services | 36/100 | +8 points |
| Financial Services | 34/100 | +6 points |
| Healthcare | 31/100 | +3 points |
| Insurance | 28/100 | Baseline (Worst) |
🚨 Key Risks
- Severe Invisibility – 62% of carriers never recommended
- No Agent Visibility – AI doesn't recommend agents
- Licensing Gaps – AI ignores state licensing
- Distribution Disruption – AI bypasses channels
⚠️ Why This Is a Crisis
- Consumer Shift – AI becoming primary discovery
- Blind Spot – Carriers don't know they're invisible
- Agent Impact – AI bypasses agent model
- First-Mover Opportunity – Leaders can dominate
Regulatory Context
| Regulation | Implication |
|---|
| NAIC Model AI Bulletin (2024) | Sets expectations for AI use; states adopting governance frameworks |
| State Licensing | AI recommendations lack state licensing verification |
| Consumer Protection | AI shapes purchasing decisions without disclosure |
✅ Recommended Actions
- Audit digital presence for AI discoverability
- Understand AI recommendation patterns in your markets
- Develop AI visibility strategy before competitors
- Monitor competitor AI visibility for intelligence