These days, everyone is talking about AI. The stock market is going wild — Nvidia is up another 45% year-to-date — and every company claims to be “AI-first.”

But let’s pause for a moment. Where and how will AI truly transform industries like insurance?

In my view, the strategic value of AI cannot be underestimated — but its operational impact will take time. The insurance industry is complex, regulated, and deeply human at its core. The transformation won’t happen overnight.

At 360F, we focus on the distribution of financial products, and we believe the real change in the sales value chain will come gradually. AI will not replace distribution forces — instead, it will become the small, hidden helper in the background: making people smarter, enabling more sophisticated decisions, and improving processes step by step.

This journey will take 3 to 7 years, not 3 to 7 months. Startups will come and go with “AI-only” models — just like robo-advisors once did. Meanwhile, incumbent banks and insurance companies will adapt at their own pace and continue to leverage their market power.

It’s a marathon, not a sprint.

At 360F, we’re proud to support this transformation — helping clients in 17 countries navigate it with innovation, strategy, and trust. AI may not “matter” in the short term, but in the long run, it will quietly reshape how we all create value.

See post on LinkedIn