A day in the life of a broker in 2030
Don’t worry, this isn’t yet another piece about AI. Think of it more as a small leap into the future.
Wake up
6:30 a.m.
My virtual assistant woke me up ten minutes earlier than usual: the storm that hit the Atlantic coast last night has already generated 127 customer notifications on my platform.
Before I even set foot on the floor, I received a briefing: the AI had gone through the requests, cross-referenced them with other data, and flagged the customers in trouble as a priority. The ones who really need me, right now.
In short, welcome to 2030.
It's going to be a long day... which I invite you to experience with me.
The broker
6:45 a.m.
I'm drinking my coffee. (Yes, some things never change.)
8:00 a.m.
I'm ready. I log into my broker/insurer dashboard. Before, I used to waste hours navigating between five different software programmes, ten Excel spreadsheets and (attempting to) piece together inconsistent data.
Now everything is clear and concise: my portfolios, claims alerts, opportunities to seize. Everything is seamless and synchronised.
But the real novelty is that I have accepted that my data now lives in the insurer's ecosystem. This is a minor revolution for a broker. The trade-off is enormous time savings and unprecedented visibility. Today, we all look at the same data at the same time, and that changes everything.
8:15 a.m.
The magic of automation is already at work. While I was asleep, my assistant communicated with several policyholders, sent 38 reminders, prepared a dozen quotes and collected all the necessary supporting documents. This morning, 80% of these low value-added tasks were completed without me.
This is often the first example given when talking about AI in insurance, and it is a real one. But for me, the real value lies elsewhere: I can finally devote this saved time to what matters most, being there for my customers. (BCG, Insurance 2025)
8:30 a.m.
I launch my AI co-pilot: it flags an inconsistency in a professional liability insurance file. Whereas yesterday's algorithms only identified known patterns, AI now cross-references customer data in real time with their claims history, industry benchmarks and even certain weak signals from external data. As a result, my co-pilot detects a risk of fraud involving a fake photo receipt that I would never have been able to spot with the naked eye.
It suggests an adjustment to the contract. It's up to me to decide whether to approve it. Once I do, my co-pilot automatically connects to the insurer's claims AI to initiate the update. In 2030, 85% of brokers will be working this way, supported by artificial intelligence not only to save time, but above all to make contract detection and optimisation more reliable. (Capgemini, Insurance Top Trends 2024)
10:00 a.m.
Throughout the morning, I juggle several clients. All data is automatically reconciled: data from insurers, partners and even my clients' connected devices.
Insurance platforms have taken a giant leap forward. No more spending hours processing forms; I can now submit raw subscription and claims files directly. The insurance technology produces an actuarial analysis in real time and generates clear recommendations right before my eyes. Teams used to spend hours consolidating data, but now I have my analysis segmented in 10 minutes flat.
It's not magic, nor is it necessarily AI. It's mainly a well-designed infrastructure that finally gives me a clear and immediate view of my portfolios. Ten years ago, this level of integration was utopian. Today, it's my daily reality.
12:00 a.m.
I'm going to lunch with a friend who's an insurer. Yes, some things definitely never change.
1:00 p.m.
We are interrupted by a notification: a pricing adjustment has just been published. We pay the bill and head to the client meeting.
The insurer
2:00 p.m.
Here we are in the client's lobby.
I observe my insurance agent friend: his daily life has also shifted to high frequency.
As I finish preparing the presentation, an alert pops up on his risk management tool: actuarial technology informs him that a health portfolio is beginning to show signs of volatility beyond the comfort threshold. In a matter of minutes, he can adjust his exposure by transferring part of the risk and reinsuring another part. Or he can decide to wait a little longer to see if this trend materialises.
What used to take days of calculations and arbitration can now be done much faster and with greater transparency. Some risks that were once difficult to manage have been given a new lease of life thanks to technology.
2:30 p.m.
In the meeting room, the demonstration begins.
The client describes their needs to us. The insurance programme interface is customised before our eyes: every element of the customer journey, every clause, every price is adjusted in real time, based on the prospect's profile and data from previous journeys.
Some platforms already offer this type of customisation today. But in 2030, it will be the norm, and above all, it will be much more granular: each interaction will be tested, measured and optimised, just like in e-commerce. We AB-test the FNOL journeys, measure the effectiveness of each step and make adjustments on the fly.
Generative AI offers alternatives, refines the discourse and makes the offer immediately understandable. Is the customer hesitating over a clause? The tool calculates a new price in seconds, based on individual risk. Actuarial logic no longer takes weeks of calculations, but is deployed in real time, parameter by parameter. (Capgemini, Insurance Top Trends 2024, BCG, How AI is Reshaping Insurance 2024)
4:00 p.m.
I leave the meeting.
The client is interested in the joint offer we have put together with the insurer. Now it's time to roll it out. We have 48 hours to implement the programme.
This is also what the insurer will look like in 2030: hyper-connected, data- and risk-focused, operating in an open, fluid market where every second counts.
The Data
4:05 p.m.
I call my data team...
In 2030, the world is well organised. My team is in direct contact with my insurer's team and our tools are interconnected. Ten years earlier, we would have had to exchange around fifty emails and spend several days communicating.
The insurer also gives us access to a sector-specific meta-database that provides a real-time view of risk performance. With just a few clicks, I can compare the price of our new programme with those on the market and adjust our parameters.
Look, we've already received a V1 pricing version as soon as the meeting ended.
Everything is happening very quickly. But validation will take place tomorrow morning. Even in 2030, some validations still require a underwriting committee... and a good cup of coffee.
4:30 p.m.
All policy data is synchronised in real time with the insurer. We take advantage of this to review current programmes.
The tools now continuously monitor performance deviations. Whereas we used to have to wait months to see a trend emerge, I am now alerted almost immediately as soon as a deviation occurs. There is no need to wait for a steering committee meeting to access the information.
5:00 p.m.
But the real revolution is prevention. Our data analytics tools no longer just explain the past, they anticipate the future.
Forty percent of claims are now anticipated before they even occur: a water leak stopped automatically, a weather alert that secures an industrial site... Insurance is no longer just reactive, it is becoming proactive. (McKinsey, Global Insurance Report 2025)
5:30 p.m.
Before any launch, our Data Controller & Ethicist scrutinises each model. This is our safeguard: no bias, no misuse of sensitive data. Because data is not just technological, it is also human and ethical.
End of the day
If I had to take away one thing from this day, it would be that technology has changed the pace, but not the essence of the profession.
Rest assured, even in 2030, we will still start the day with a cup of coffee... and we will still end it with a customer call.
Insurers will manage risk with unprecedented precision. But at the end of the day, my clients will continue to call their broker when they need to understand, decide, or be reassured.
So yes, everything will be more integrated, faster, more invisible... except the bond of trust. And no machine can replace that.
Original article first published here on Linkedin
