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Quoting & Illustrations

Comparing products, running compliant illustrations, and carrying the selected case forward instead of starting over at application.

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November 19, 2025

How AI is Lowering the Barrier for Annuity Sales

In a feature for InsuranceNewsNet, Zinnia CEO George Esposito shares his vision for how AI is transforming annuity distribution, turning wealth advisors into informed retirement experts while building consumer trust through transparency.

Navigating The Distribution Evolution

A Blueprint for Modernization in Insurance Let’s face it: the traditional insurance distribution model is undergoing seismic changes. Independent channels..

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S1E18 · 38:53

"Break Some Dishes" — A Sitting Commissioner on Where to Move Fast on AI, and Where to Stop Cold

Josh Hershman — Connecticut's Insurance Commissioner, and formerly a private attorney, deputy commissioner, open-source data-standards executive (openIDL), and life insurance company CEO — gives a regulator's candid map of AI in insurance. He borrows the EU's consumer-impact tiers to argue carriers should 'break some dishes' on internal use cases while moving carefully on anything that approves or denies a claim, calls annuity illustrations the single most tailor-made AI use case in the industry, and explains why McCarran-Ferguson, the NAIC's slow model-act machinery, and the ambiguous word 'testing' leave carriers frozen.

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