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1、Global InsurTech ReportThe role of AI in the four largest insurance business linesQ4 Life,Accident and Health InsuranceFEBRUARY 2026This report is a collaboration between Gallagher Re,Gallagher and CB Insights.2 262.The Data CenterThis quarters data highlights4.IntroductionQ4 InsurTech investment da

2、ta highlights and forewordDr.Andrew Johnston Gallagher ReContents I N S I D E T H I S E D I T I O N.InsurTech Team CornerFreddie Scarratt Gallagher Re26.The Role of AI in Life and Health In-Force Management Atidot40.Deals of the Quarter Angle Health District Cover44.Thought LeadershipRyan Jessell He

3、althPlanOne52.30.InsurTech Case Studies Thatch Amplify Peak3 Owl.co56.Closing the Life and Health Protection Gap in Africa With Embedded InsuranceJeremy Leach,Inclusivity Solutions 3 3Q4 InsurTech investment data highlights and forewordIntroduction4 4 AI has transformed the current period into a gol

4、den age of technology.Never before have we observed such rapid investment and delivery of an innovation one that is not only delivering a cutting-edge series of computing tools,but also transformationally improving existing technology as well.It is estimated that in 2025,big tech firms invested over

5、 USD1 trillion in data centers and other infrastructure,with the express focus of supporting AI.There seems to be no lack of optimism in the power of AI.DR.ANDREW JOHNSTONGlobal Head of InsurTech,Gallagher Re,Global InsurTech Report EditorOur industry is no different.We have invested billions into A

6、I through a combination of homegrown endeavors and projects,partnerships with AI companies,and investments into AI companies themselves(some self-identifying as InsurTechs).This revolution provokes both optimism and concern.There is the fear of being left behind(and becoming obsolete),but also excit