Artificial intelligence (AI) is extraordinarily popular if you are judging by today’s insurance headlines. And if you are like me, your inbox is full of email with subject lines that include the words machine learning, AI, and natural language. The reality is that the headlines and the email have outpaced the practical insurance reality. Relatively few insurers have begun production or even full-blown research at this stage. Even though there has been a lack of progress to date, it doesn’t mean insurers can afford to ignore AI.