AI is quietly becoming a growth enabler for insurers by:

• Automating claim approvals and fraud detection

• Enabling faster, more accurate risk pricing

• Powering 24×7 customer service through digital assistants

• Driving real-time insights in compliance, reporting, and reinsurance

These aren’t just experiments. They’re delivering measurable improvements in speed, accuracy, and cost efficiency.

Distributed models bring multiple advantages together:

• Operational savings: Reallocate real estate and admin spend to tech

• Specialized talent: Access top-tier skills in AI, actuarial science, UX, cybersecurity

• Speed and agility: Launch products faster, expand into new markets

• DEI and retention: Support diverse hiring, flexible work models, and improved well-being

The tech driving this shift: Insurers that adopt distributed technologies such as cloud, edge computing, AI, blockchain, will become more agile, efficient, and competitive, unlocking benefits such as

• Hyper-personalized products using real-time IoT and behavioral data

• Automated 24/7 operations powered by global AI/ML pipelines

• Shared ecosystems involving partners and reinsurers via blockchain ledgers

• Security, scalability, and innovation are best achieved through continuous investment in distributed infrastructure

Market adoption

• 12% of insurance full-time employees are fully remote; 29% operate under hybrid arrangements; the remainder remain onsite

• A recent survey found 41% of respondents in finance and insurance worked remotely five days a week, and 68% spent more than three days remote each week

• Overall, 69% of finance and insurance workers are in hybrid or fully remote setups

Insurers who have adopted this shift in full or hybrid models:

• Lemonade, Root, Metromile: Digital-first and remote-native

• MetLife, Allstate, Aflac: Hybrid and  remote setups for claims, underwriting, and support teams

• Chubb, USAA: Virtual workflows for risk modeling, compliance, and customer service

These companies are showing that distributed operations not only work, but outperform.

Why India?

Leading insurers are building India-based teams to support cloud migrations, embedded insurance products, AI underwriting models, and low-code policy platforms.  

• Compliance is emerging as a strategic differentiator. As global privacy regulations evolve (GDPR, DPDPA India, etc.), in-country legal and payroll expertise ensures  operations remain compliant - across taxation, IP protection, labor laws, and employee classification

• Remote insurance teams are reducing time-to-market by 30 - 40%. Companies have accelerating  go-to-market cycles by building agile claims, data, and support teams in India- often within 3 to 5 weeks- fully integrated with HQ operations

• Zero setup cost, instant scale: Scale  up or down quickly with no overheads or long-term commitments

From adaptation to advantage with PR GLOlinks

Hybrid is the new standard in global insurance. According to a recent Mercer study, 72% of insurance firms globally have adopted hybrid models, yet most still struggle to align local legal compliance with global HR policies.  

PR GLOlinks bridges that gap. As an EOR, we help insurance firms to set up and manage distributed teams in India, without setting up a local entity.  

With our platform, you gain:

• Fast, compliant expansion into India

• Pre-vetted professionals across underwriting, data science, compliance, and more

• Full operational control without HR, legal, or payroll complexity

• We handle the backend so you can stay focused on growth and innovation

Let’s explore what’s possible for your business.

Book a strategy call or reply to this email, and we’ll show you how companies like yours are using global teams to accelerate performance.