AI
Privatized agentic AI: why insurance can’t run on a public chatbot
Consumer LLMs hallucinate, forget your carriers, and leak your data. Regulated distribution needs AI that knows your contracts, your hierarchy, and your compliance posture — and never sends without a human saying yes. The case for private, domain-trained agents over a general chatbot with a nice UI.
Mar 28, 2026 · 6 min read
RIAs
The convergence no one scheduled: why fee-only RIAs are finally buying annuities
For a generation, “annuity” was a four-letter word in the RIA world. Fee-based income riders, fiduciary-friendly structures, and a retiring boomer wave have quietly flipped that. What the RIA–insurance convergence means for distribution built entirely on the old commission-only assumptions.
Mar 24, 2026 · 7 min read
Enterprise
Human-in-the-loop is the only enterprise AI strategy that survives an audit
Full autonomy makes a great demo and a terrible compliance record. In financial services the winning pattern isn’t AI that replaces the human — it’s AI that does 95% of the work and hands the last 5%, the decision, to a person who’s accountable. Why the loop is the moat, not the limitation.
Mar 20, 2026 · 5 min read
Inforce
Your book is full of money you can’t see
The average advisor’s inforce book holds six-figure repositioning opportunities hiding in plain sight — surrender windows closing, income riders underperforming, cap rates that moved. The opportunity was never the problem. Auditing 400 policies by hand was. Now the software does it overnight.
Mar 17, 2026 · 6 min read
Commissions
Reconciled to the cent: commission accuracy is a trust problem, not a math problem
When an agent’s statement is off by $40, they don’t think “rounding error.” They think “what else is wrong?” Commission accuracy is the quiet foundation of every distribution relationship — and the spreadsheet era has been eroding it one reconciliation at a time. Why getting paid right is really about retention.
Mar 12, 2026 · 5 min read
Operations
Getting sales back to sales: the hidden tax of the bolt-on stack
Most IMOs and BGAs run on six systems that don’t talk to each other, held together by a heroic ops team and a hundred spreadsheets. Every re-key, every reconciliation, every “let me check on that” is a tax on the one thing you actually sell. What a single connected data model changes.
Mar 8, 2026 · 6 min read
The Field
The quiet death of data entry in distribution
The most valuable people in distribution spend their days on the least valuable work — re-typing e-app data, chasing NIGO requirements, copying commission rows out of PDFs. Agentic AI doesn’t just speed that up; it ends the job category. The real question is what the people you free up should build instead.
Mar 4, 2026 · 5 min read
Trend
The agentic enterprise: when your software stops waiting for you
The 2020s SaaS pattern was a dashboard for every problem. The next pattern is an agent for every workflow. The shift from tools you operate to colleagues you delegate to is the biggest change in enterprise software since the cloud — and regulated industries will feel it hardest, and last.
Feb 27, 2026 · 7 min read
Carriers
The carrier that ships a rate change on Friday and reaches the field by Monday
Product bulletins still move through insurance distribution like it’s 1998 — a PDF, a BCC, a hope. When the platform between carrier and field is a live data layer, a cap-rate increase or a new living-benefits rider reaches every producer, in context, the same day. Speed of distribution is becoming a product feature.
Feb 21, 2026 · 5 min read
