How Pramerica Life Insurance is rebuilding insurance around AI and intelligent automation

As digital adoption deepens across India’s Tier-II and Tier-III markets, customer expectations are increasingly being shaped not by insurance companies, but by e-commerce, fintech, and on-demand digital platforms. Consumers now expect the same speed, convenience, and personalisation from insurers that they experience across the broader digital economy.

For life insurers, this shift is becoming transformational. Vineet Kumar Chauhan, CTO, Pramerica Life Insurance, is driving this transformation through a strong focus on digital platforms, AI-led decision-making, and customer-centric innovation. The company is steadily embedding intelligence across the insurance lifecycle—from onboarding and underwriting to servicing and policy issuance—while building conversational, mobile-first, and real-time engagement models designed for a digitally connected customer base.

Historically, customers often viewed insurance through the lens of traditional savings products. Today’s consumers are more digitally aware, more informed, and far more willing to compare experiences across providers.

But the bigger disruption ...