As life insurance and annuity carriers face growing pressure to modernize, the build-versus-buy conversation is resurfacing with new urgency in the age of AI. 

 

But this is not just a technology question. It is a strategic one shaped by legacy infrastructure, regulatory complexity, customer experience expectations, and the realities of scaling beyond a pilot. 

 

How can carriers evaluate where custom development creates a real competitive advantage versus where buying a purpose-built platform is the smarter path?

 

In our next episode of InsurTechTalk with Rob Galbraith, we’ll explore:

• Differentiating where custom development creates real competitive advantage for carriers - and where a purpose-built platform is the smarter, faster path to scale
• Why the era of point solutions is ending in L&A: siloed underwriting, illustration, and policy admin systems can’t unlock AI’s value the way a single, unified platform can
• Establishing a practical decision-making framework for life and annuity executives to align capital allocation, infrastructure modernization, and customer experience goals

Drawing on real conversations across the market, the discussion will highlight where carriers tend to misjudge this decision, why patchwork technology stacks make modernization harder, and how leaders in the L&A space can make more disciplined decisions about transformation, investment, and long-term technology strategy.

 

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