Insurance advisors have a big job.
They help clients figure out what kind of coverage they need, then make sure the companies behind those policies can actually deliver.
Advisors aren't just middlemen: They're guides who translate client goals into workable insurance plans.
And in today's fast-changing tech environment, that means advisors also have to know whether their partner carriers are up to speed digitally.
Why technology matters more now
It's no longer enough for carriers to just offer basic coverage.
Advisors need to make sure their clients get quick service, clear answers, and smooth experiences, and all at a reasonable cost.
Carriers that use automation and AI can speed up claims, improve accuracy, reduce mistakes, and let human employees focus on more complex tasks.
Tech also helps make things easier for clients.
Carriers that offer mobile apps and online portals give clients more control over their coverage and make processes like onboarding and claims filing faster and more transparent.
Better data and analytics mean carriers can spot fraud early, understand risks more clearly, and settle claims faster.
So, when advisors look for a strong partner, they need to think about more than just reputation — they need to evaluate tech-readiness.
How to spot a tech-savvy carrier
The best carriers are intentional about using technology.
Here's what advisors should look for:
Warning sign: The carrier talks about AI but doesn't offer concrete examples.
Positive sign: The carrier can show how they use AI for real tasks, and they've hired a data science team.
Warning sign: Claims status updates are slow or confusing.
Positive sign: Advisors and clients get clear, real-time updates throughout the claims process.
Warning sign: The digital experience feels patchy. Some systems are online, others are manual.
Positive sign: The carrier offers unified tools for advisors and clients to use across all services.
Warning sign: No sign of partnerships with tech companies or insurtech firms.
Positive sign: The carrier has strategic relationships that help it stay modern and improve its products.
Advisors can also look at service metrics like average claims resolution time, net promoter score, first-call resolution rates, and how much clients are using digital tools.
Why it matters
Tech isn't just a bonus: It's now a basic part of doing business.
Advisors who take the time to assess carriers' digital capabilities give their clients better service, stronger protection, and more confidence.
It's one of the best ways to build trust and stand out in a competitive market.
Manuel Rodriguez Vera is the business unit head for insurance at WNS, a technology services company.
Credit: Meta/Adobe Stock
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