Across the market, vendors are marketing AI-native platforms, agentic product configurators, and embedded assistants that sit inside existing policy, billing, and claims systems. In practice, most of these offerings sprinkle AI into small, discrete tasks such as finding a policy, surfacing guidelines, or answering a narrow question inside a claim, while underlying implementation models still depend on large professional services teams and systems integrators. Even where AI is applied to product configuration, the claims are typically “up to a 50% reduction” in effort on major projects that run for months or years and are still delivered through high-markup system integrators. While other vendors use flashy AI terminology, Insurity argues the only real question that matters is whether AI measurably shortens the time and cost to design, price, launch, and manage insurance products, not how sophisticated the label sounds.