Why Insurance Advice Needs a Human, Not a Bot

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.

The cautionary incidents

Consumers acting on AI-generated guidance about claims and grievances have hit procedural dead-ends - wrong portals, missed deadlines, wrong forms. The output looked authoritative; the process was wrong.

What to look for

A named, licensed advisor who answers the call, advice citing your policy's actual clauses, follow-through on filing and escalation - not a recommendation and goodbye - and full accountability for what you were told.