Solving the Adjuster Shortage with Agentic AI and Digital Coworkers

The insurance industry is bracing for a seismic workforce shift as a significant number of experienced claims adjusters near retirement, a phenomenon widely referred to as the "Silver Tsunami." With 62% of adjusters aged 40 or older and nearly 400,000 insurance professionals projected to retire by 2026, carriers risk facing talent shortages, increased operational costs, and the erosion of critical institutional knowledge. Traditional stopgaps like outsourcing or overworking existing staff offer only short-term relief and can create further issues in quality and staff retention.

Agentic AI offers a timely and transformative solution. These intelligent digital coworkers can automate high-volume, repetitive tasks such as First Notice of Loss (FNOL), document review, fraud detection, and claims file summarization. This not only boosts productivity but also preserves expert workflows by embedding decision logic into the AI’s operational framework. Deployed correctly, Agentic AI helps carriers ensure service continuity and regulatory compliance while easing onboarding pressures for new adjusters.

In real-world use cases, companies like Agentech have implemented over 200 AI agents across various claims lines, seeing dramatic reductions in claims processing time and manual labor costs. Benefits compound over time, from faster claim cycle times and reduced errors to greater scalability and enhanced job satisfaction among adjusters. Importantly, these AI systems complement rather than replace human adjusters, allowing professionals to focus on complex tasks requiring empathy and judgment.

For carriers considering whether to build or buy, purchasing pre-built Agentic AI platforms offers quicker deployment, access to specialized expertise, and better integration with existing claims systems. Investing now—while experienced staff are still available to guide knowledge transfer—is crucial. The strategic adoption of Agentic AI today can help insurers weather the adjuster retirement wave while positioning themselves for a more agile and resilient future.