India is no longer a ticket-taker: Zinnia India CEO Josh Everett

Everett is candid that AI adoption at Zinnia is well past the pilot stage — he puts the share of code written with AI assistance at around 65%, validated by engineers before it ships — and that the next big shift for the industry is hyper-personalization, using the vast data insurers already hold to make customer experience feel individual even at scale. What's more interesting is where he thinks the real bottleneck sits: not the technology, but company culture. He describes a split between organizations curious enough to experiment and iterate, and those too cautious to try, with the first group pulling ahead.

On India specifically, he points to a deliberate expansion into Tier II cities to chase talent beyond the metros, and argues the country is also an underrated insurance market in its own right — still under 4% penetration, with a regulatory environment and digital infrastructure he compares to the conditions that made India's digital payments boom possible. Asked whether AI threatens jobs, he frames it as a rebalancing rather than a reduction: the demand for top talent doesn't go away, it just shifts toward higher-value work.