Is AI About to Become the New Insurance Broker?
The debate about AI in insurance is everywhere. But most of it is still theoretical. Pilots, proofs of concept, and predictions.
Juan García, Co-founder & Co-CEO of Tuio, skipped the debate.
In February 2026, Tuio became the first insurance provider with an approved application on OpenAI's ChatGPT – enabling real-time quoting, coverage comparison, and guided purchase, entirely within a conversational interface.
The market noticed immediately.
In this exclusive article, Juan makes the case for what AI-native distribution actually looks like in practice. The architecture behind it, the commercial results, and the strategic window that is already closing for insurers who are waiting to act.
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"Those who move first will capture customers at the point of discovery. Those who wait will find themselves being compared, summarised, and occasionally misrepresented by AI systems they don't control." - Juan García, Co-Founder & Co-CEO, Tuio