If AI can predict risk with near precision, does insurance still work the way you think it does?

In this episode of AI Experience, Julien Redelsperger welcomes Lisa Smith, CEO and Founder of VICi, an insurtech company delivering transaction-level solutions that integrate directly into insurers’ core systems. You will explore how AI is reshaping insurance beyond automation headlines. From data overload and legacy systems to fraud detection and risk modeling, Lisa explains why faster decision-making does not automatically mean better insurance. You will hear why hyper-accurate pricing can undermine the very principle of risk pooling, why product innovation is lagging behind technological capability, and why insurers may be focusing on efficiency instead of transformation.

The conversation also tackles rising premiums, climate risk, regulatory constraints, AI agents, and the future role of brokers in an increasingly automated ecosystem. You will gain a clearer understanding of where AI can truly reduce costs, and where it cannot. If you work in insurance, fintech, or any data-driven industry, this episode challenges you to think beyond optimization and ask a harder question: what should AI actually fix?

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