The insurance industry, historically known for its reliance on paper-heavy processes and manual data entry, is currently undergoing a massive structural shift. At the heart of this transformation is the rise of agentic artificial intelligence—systems designed not just to process text, but to execute complex workflows autonomously. Leading the charge in the Asian market is Zhibao Technology Inc. (NASDAQ: ZBAO), which recently announced a major milestone in its growth strategy: the deployment of ten specialized AI agents designed to overhaul the digital insurance lifecycle.
Based in Shanghai, Zhibao has positioned itself as a pioneer in the 2B2C (Business-to-Business-to-Consumer) digital insurance brokerage space. This model integrates insurance solutions directly into the platforms of non-insurance businesses, allowing them to offer coverage to their customers seamlessly. With the launch of these ten new AI agents, the company is moving beyond simple automation into a realm where software actively manages product design, software development, and risk assessment.
The Shift Toward Agentic AI in InsurTech
While the first wave of AI in insurance focused on chatbots for basic customer FAQs, the current landscape is far more sophisticated. “Agentic” AI refers to models that have the agency to perform multi-step tasks. In the context of InsurTech, this means agents that can cross-reference policy terms, verify claims against photographic evidence, and even write the code necessary to integrate new products into a partner’s website.
For a company like Zhibao, which operates in a high-volume market, efficiency is the ultimate competitive advantage. By automating the “boring” parts of the business—such as data reconciliation and standard underwriting—human employees are freed up to handle complex claims and high-level strategic partnerships. This trend mirrors broader movements in the tech industry, where companies are increasingly looking to speed up AI agent development to maintain a competitive edge in rapidly evolving markets.
A Deep Dive into Zhibao’s Ten New AI Agents
The recent launch by Zhibao Technology is not a singular tool but a suite of ten distinct agents, each tailored to a specific vertical within the insurance operation. While the company has kept some proprietary details under wraps, the focus areas for these agents include:
- Automated Product Design: Agents that analyze market trends and consumer data to suggest new, customized insurance products in real-time.
- Autonomous Coding: Perhaps the most impressive statistic shared by Zhibao is that one of its AI agents is now responsible for generating over 50% of the company’s daily code, significantly reducing the time required for system integrations.
- Underwriting and Risk Evaluation: Agents capable of processing vast amounts of historical data to determine risk profiles more accurately than traditional actuarial models.
- Claims Processing: Intelligent systems that can review submitted documents and images to validate claims, potentially reducing the settlement time from days to minutes.
- Customer Service and Engagement: Advanced conversational agents that provide personalized advice to consumers within the 2B2C matrix.
By deploying ten different agents simultaneously, Zhibao is creating an interconnected ecosystem where information flows seamlessly from sales to service. This holistic approach ensures that digital transformation isn’t just a buzzword, but a measurable increase in operational speed.
The 2B2C Model: Scaling Through Partnership
Zhibao’s success is largely tied to its unique 2B2C business model. Instead of competing directly with massive consumer-facing brands for traffic, Zhibao provides the backend technology for these brands. When a consumer buys a travel ticket or a home appliance online, Zhibao’s technology allows the retailer to offer embedded insurance at the point of sale.
The introduction of AI agents supercharges this model. When a new partner—say, an e-commerce platform—wants to offer a specialized warranty product, Zhibao’s coding agents can build the necessary API connections in a fraction of the time it would take a traditional engineering team. This allows for rapid scaling and the ability to capture niche markets that were previously too expensive to serve.
According to official filings on NASDAQ, Zhibao has consistently focused on leveraging technology to lower customer acquisition costs. These AI agents represent the next logical step in that mission, effectively acting as a “force multiplier” for their existing workforce.
Data Privacy and Ethical AI in Insurance
As with any deployment of AI in financial services, the question of data security is paramount. Insurance involves sensitive personal and financial information. Zhibao has emphasized that its digital transformation is built on a foundation of strict compliance with local and international data protection standards. In the insurance sector, maintaining public trust is just as important as maintaining technical superiority.
The company utilizes large language models (LLMs) that are specifically trained on insurance-related datasets. This “domain-specific” training reduces the likelihood of hallucinations—a common problem with general-purpose AI—and ensures that the advice provided by the agents is accurate and compliant with the latest regulations. Investors and observers can track the company’s formal disclosures through the SEC to see how these technological shifts impact their long-term financial stability.
The Road Ahead for Zhibao and Global InsurTech
The launch of these ten AI agents is a clear signal that the insurance industry is moving toward a future where “human-in-the-loop” systems become the standard. Humans will still be necessary for empathy-heavy interactions and high-stakes decision-making, but the day-to-day heavy lifting will be handled by autonomous systems.
For Zhibao Technology, the goal is clear: to become the go-to infrastructure provider for the digital insurance era. By demonstrating that AI can handle everything from code generation to underwriting, they are setting a benchmark that other firms in the InsurTech space will likely follow. As AI continues to evolve, the distinction between a “technology company” and an “insurance company” will continue to blur until they are essentially one and the same.
Key Takeaways for the Industry:
- Efficiency is King: Reducing the development lifecycle through AI-generated code is a game-changer for speed-to-market.
- Embedded Insurance: The 2B2C model is the most effective way to reach the modern digital consumer.
- Agentic Workflows: Moving from chatbots to autonomous agents is the next major hurdle for digital transformation.
As we look toward the rest of 2026 and beyond, the success of Zhibao’s experiment will likely influence how global giants approach their own AI strategies. If a specialized InsurTech firm can automate half of its development and a significant portion of its underwriting, the traditional insurance model may soon find itself obsolete.
