From underwriting to claims, generative and autonomous AI agents are poised to redefine how work gets done. But there’s a catch: without the right foundation, even the most advanced AI models can’t deliver real value.

To truly harness Agentic AI, insurers need more than powerful algorithms—they need a core platform built to support seamless, real-time interactions between systems, users, and AI agents. That’s where an API-first modern core insurance platform comes in.

What Is Agentic AI?

Agentic AI goes beyond basic automation. These are autonomous, goal-driven agents capable of initiating actions, making decisions, and interacting with systems to achieve desired outcomes—without continuous human instruction.

Examples in insurance include:

• Claims agents that gather required documentation, statements, and loss evidence at first notice of loss—accelerating settlements and reducing the likelihood of litigation or disputes.
  
• Policy assistants that process inbound agent emails, extract structured data, and initiate policy endorsements with minimal manual review.
  
• Underwriting intake agents that proactively collect missing applicant data or third-party reports to complete a submission packet without underwriter intervention.

But to take those actions, these agents need real-time access to your product, policy, billing, and claims systems—and the ability to update them. That’s only possible with a platform designed from the ground up for openness and interoperability.

Why Legacy Systems Fall Short

Legacy core systems—whether homegrown or vendor-based—are often closed, siloed, and difficult to integrate. Most rely on batch processing, brittle data structures, or custom middleware to support even the simplest external interactions.

For Agentic AI, that’s a dealbreaker.

When dealing with legacy core systems, an AI agent can't:

• Wait for nightly data syncs – Agentic AI thrives on real-time decision-making. Delayed data creates blind spots, leading to outdated or incorrect actions that increase risk and erode customer trust.
  
• Navigate hard-coded workflows – Rigid workflows don't support dynamic logic. AI agents need the ability to adjust processes on the fly, which is impossible if every scenario must follow a predefined, inflexible path.
  
• Rely on manual workarounds to complete tasks – Manual intervention breaks the autonomy loop. AI systems require direct write-back capabilities to trigger policy changes, endorsements, or claims payouts without waiting on human intermediaries.

Without modern, well-documented APIs, insurers simply can’t support the real-time, bi-directional data flow that Agentic AI demands.

The Role of API-First Architecture

An API-first platform like BriteCore flips the script. Every feature, workflow, and piece of data is accessible through APIs by design—not as an afterthought.

This matters because:

• AI agents can interact directly with core insurance processes like underwriting, claims handling, and billing policies – This unlocks true end-to-end automation, reducing turnaround times and freeing up human resources for higher-value tasks.
  
• Third-party AI models and platforms can be easily integrated, trained, and orchestrated across systems – This gives insurers flexibility to innovate, test, and scale AI tools without excessive development overhead.
  
• Data pipelines stay clean and current, enabling better AI decision-making – With accurate, up-to-date data, Agentic AI can confidently make complex decisions and continuously learn from feedback loops.

With an API-first foundation, you’re not just integrating AI—you’re activating it.

Real-World Use Cases: API-First + Agentic AI

Here’s what becomes possible when you combine Agentic AI with a modern core system:

• Intelligent Quoting: An AI agent pulls real-time data, runs eligibility checks via APIs, generates a quote, and submits it to underwriting for review—all without human input.
  
• Automated Claims Resolution: A virtual claims adjuster gathers evidence, checks policy limits, determines liability, and triggers a payment review through a series of API calls.
  
• Dynamic Underwriting: Agents monitor IoT or third-party risk data and automatically recommends adjustments to policy terms or pricing based on triggers set via open APIs.
  

These aren't far-off concepts—they're the logical next steps when core systems are built for AI interaction from the start.

Future-Proofing Your Insurance Company

Insurers that want to stay ahead must think beyond surface-level AI features. The real unlock comes from a modern architecture that allows intelligent agents to act, adapt, and evolve throughout your business.

An API-first core platform doesn’t just enable Agentic AI—it empowers innovation, accelerates product launches, and ensures you are a leader in an AI-native future.

Final Thoughts

Agentic AI is coming fast, and it’s not waiting for legacy systems to catch up. For P&C insurers, now is the time to invest in the right foundation—one that enables autonomy, agility, and intelligence at every level.

Modernize your core. Embrace APIs. Enable Agentic AI.

‍