AI vs Licensed Advisor: Who Should Answer Your Insurance Questions?
The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.
The cautionary incidents
Consumers acting on AI-generated guidance about claims and grievances have hit procedural dead-ends - wrong portals, missed deadlines, wrong forms. The output looked authoritative; the process was wrong.
What to look for
A named, licensed advisor who answers the call, advice citing your policy's actual clauses, follow-through on filing and escalation - not a recommendation and goodbye - and full accountability for what you were told.
The regulatory reality
Indian insurance regulation requires a licensed advisor to be accountable for recommendations - who recommended, who filed, who answers if it goes wrong. An AI model holds no licence and can be held accountable by no one.