AI vs Licensed Advisor: Who Should Answer Your Insurance Questions?
The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.
The regulatory reality
Indian insurance regulation requires a licensed advisor to be accountable for recommendations - who recommended, who filed, who answers if it goes wrong. An AI model holds no licence and can be held accountable by no one.
The cautionary incidents
Consumers acting on AI-generated guidance about claims and grievances have hit procedural dead-ends - wrong portals, missed deadlines, wrong forms. The output looked authoritative; the process was wrong.
Insurance Support is built around an IRDAI-certified advisor - not a bot - with 25+ years in the field. See the IRDAI-certified team page for free guidance.