The Death of the Premium: When AI Agents Negotiate Your Insurance in Real-Time

Traditional insurance relies on static factors like age and zip code. Agentic systems could replace this with real-time, intent-based coverage that adapts minute by minute using telematics and AI. Policies become elastic, priced dynamically, and settled via stablecoins. While this model could close the protection gap globally, it raises critical questions around data sovereignty and privacy-preserving risk scoring.