My DeepSeek prompt:
You're a management consultant who writes in the clean, edgy style of Hunter S. Thompson. Write a 500-word essay on generative AI in property and casualty insurance. Consider where we are in the context of OpenAI's five phases of AI: chat, reasoning, agent, innovation, organizations. Include specific use cases from insurance companies such as Progressive and Allstate. Consider the $450 billion in AI infrastructure investment made by Big Tech in 2025 alone. Consider the human and corporate reluctance to use AI to replace people, but also consider that humans hate jobs staring at screens all day moving tokens around.
See also: How AI Is Changing Insurance
DeepSeek’s output (unedited):
The Gonzo Frontier of Generative AI in Property and Casualty Insurance: A Wild Ride Through the Five Phases of OpenAI’s Vision
The property and casualty insurance industry is a beast—a bloated, bureaucratic leviathan that thrives on risk assessment, claims processing, and the occasional existential crisis. It’s a world where humans stare at screens all day, moving tokens of data like croupiers in a casino where the house always wins. But now, generative AI has crashed the party, and it’s not here to play nice. It’s here to rewrite the rules, disrupt the flow, and maybe—just maybe—set the whole damn table on fire.
Let’s start with OpenAI’s five phases of AI: chat, reasoning, agent, innovation, and organizations. Right now, the insurance industry is straddling the first three phases like a drunk cowboy on a mechanical bull. Chatbots are already ubiquitous—Progressive’s “Flo” has gone digital, answering customer queries with the kind of relentless cheer that only a machine could muster. Allstate’s “Digital Virtual Assistants” are handling claims inquiries, freeing up human agents to do… well, whatever it is humans do when machines take over the grunt work. But this is just the warm-up act.
The reasoning phase is where things get interesting. Generative AI isn’t just regurgitating pre-programmed responses anymore; it’s starting to think. Sort of. Allstate is using AI to analyze accident photos and estimate repair costs, a task that once required a human adjuster with a keen eye and a tolerance for tedium. Progressive is leveraging AI to predict risk with terrifying accuracy, crunching data on driving habits, weather patterns, and even social media activity to set premiums. It’s not perfect, but it’s getting there—fast.
Then there’s the agent phase, where AI starts to act autonomously. Imagine a world where your insurance policy updates itself in real time based on your behavior. Drive like a maniac? Your premium spikes instantly. Install a smart home security system? Your rates drop before you can say “Big Brother.” This isn’t science fiction; it’s the logical next step in a world where AI is increasingly calling the shots.
See also: How AI Will Transform Insurance in 2025
But let’s not kid ourselves. The real game-changer is the innovation phase, where AI doesn’t just optimize existing processes—it invents new ones. Picture this: generative AI designs entirely new insurance products tailored to niche markets. Pet insurance for crypto bros? Done. Pay-as-you-go coverage for gig economy workers? Easy. The possibilities are endless, limited only by the imagination of the algorithms.
And then there’s the organizations phase, where AI doesn’t just assist humans—it replaces them. This is where the rubber meets the road, and where the industry’s reluctance to fully embrace AI becomes glaringly obvious. Humans hate change, especially when it threatens their livelihoods. But let’s be real: humans also hate jobs that involve staring at screens all day, moving tokens around like digital Sisyphuses. AI can do that faster, cheaper, and without complaining about the coffee.
The $450 billion Big Tech poured into AI infrastructure in 2025 wasn’t just a flex—it was a signal flare. The future is here, and it’s powered by algorithms. The question isn’t whether AI will transform property and casualty insurance; it’s whether the industry will embrace the change or get dragged kicking and screaming into the brave new world. One thing’s for sure: the ride is going to be wild. Buckle up.
Author’s note: I started typing the prompt at 8:01 and submitted the article at 8:09.
