DIGITAL & AI MATURITY REPORT 2026 / INDUSTRY FOCUS
Digital & AI Maturity Index in Insurance
The insurance industry leads the cross-industry baseline with a score of 2.99, leveraging its heritage in risk discipline to build solid maturity foundations. However, a “structural tension” exists between advanced analytics and end-to-end digital execution.
To win in 2026, insurers must overcome “legacy gravity” and data fragmentation to turn insights into automated, AI-driven workflows.
This report outlines the sector’s maturity, leading strategies, and actions to accelerate transformation.
Figure 1: Digital & AI Maturity Index (DAIMI) Study Results:
Insurance Industry Score, Averages, Leaders, and Laggards
DAIMI Findings
Insurance performance reflects an industry that is quantitatively strong but operationally uneven, with organizations often clustering around mid-level maturity.
- Core Strengths: Maturity is highest in underwriting models, actuarial processes, and fraud analytics, where the work is quantitative and well-governed.
- The Scaling Gap: Momentum is consistently hindered by legacy core platforms and fragmented customer views that limit straight-through processing and slow new product rollouts.
- Industrializing AI: While many insurers possess advanced models, the challenge remains in redesigning workflows so that analytics insights consistently drive automated action across the value chain.
A Comprehensive Analysis of Digital & AI Maturity in Insurance
To lead in 2026, insurance executives must move beyond siloed initiatives and focus on value-stream transformation. Success requires a disciplined effort to modernize core billing and policy platforms while embedding AI into decision workflows to improve cycle times and loss ratios.
Download the full report to access the detailed DAIMI benchmarks and the strategic roadmap to turn risk-ready foundations into a sustained competitive advantage.
The DAIMI Methodology
DAIMI (Digital and AI Maturity Index) is Digitopia’s framework for assessing how effectively organizations build capability and value in the digital and AI era. It measures maturity across six dimensions—Customer, Operations, Innovation, People, Governance, and Technology—to capture both business outcomes and the foundational capabilities required to deliver them consistently.
Discover how our methodology can transform your strategy.
The Global Perspective
The Insurance Focus Report is part of a larger, global study on the state of transformation. Based on six years of research, 1,300+ assessments, and insights from 20+ countries and 10+ industries, the full report offers a truly global perspective.
While AI adoption is accelerating, organizational capability is not. The “Digital & AI Maturity Report 2026” quantifies this gap and provides the strategic blueprint required to close it.
