The Canadian Insurance Disruption Index 2026

Tracking the shift from AI-assisted to AI-led decision-making. AI is already part of Canadian insurance operations. But how close are insurers to letting it make decisions?
Insurance professional organizing notes on a glass wall while planning AI adoption and decision-making.
Insurance
Agentic AI
Thought Leadership
2026
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AI is already part of Canadian insurance operations. But how close are insurers to letting it make decisions?

Based on insights from 200 IT decision-makers across Canada's insurance industry, GFT's Canadian Insurance Disruption Index 2026 examines how insurers are adopting AI, investing in Agentic AI and preparing to delegate core business decisions.

The findings reveal a striking contrast: 61% are at the pilot or implementation stage with Agentic AI, yet autonomous decision execution remains limited across the insurance functions measured.

Discover what this means for the future of underwriting, claims, pricing, risk and AI governance.

What's inside the report?

Understand where Canadian insurance stands on AI-led decision-making

The Canadian Insurance Disruption Index 2026 examines ten dimensions of AI adoption and readiness, bringing together perspectives across Property & Casualty, Life Insurance, Group Benefits and Health Insurance, Reinsurance, Specialty Insurance and multi-line insurers.

Discover:

  • Where AI is being used today: The insurance functions seeing the most adoption and the extent to which AI supports or executes decisions.
  • Where insurers are heading next: Five-year priorities for data, governance, operational automation, and more!
  • What is driving AI investment: The business objectives and financial expectations influencing AI strategies.
  • How Agentic AI is progressing: From early exploration and pilots to implementation in core insurance decision areas.
  • What insurers are prepared to delegate: The decisions organizations would consider entrusting to AI when additional safeguards are in place.
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Download the Canadian Insurance Disruption Index 2026

Get the insights shaping the next phase of AI in Canadian insurance.

Access the full report to explore the survey findings, detailed comparisons and emerging priorities for AI-led decision-making.

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Nadia de Villa
Executive Director, Business Development & Sales Strategy
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