Life After January

By Sudhama Gopalan  

Founder & CEO, Averisana

January 2026

“It was the best of times, it was the worst of times,” wrote Charles Dickens in A Tale of Two Cities—a line that mirrors today’s life insurance distribution landscape.

Each year begins with a brief surge in consumer intent as families act on resolutions to protect loved ones, only for momentum to fade amid a cumbersome, outdated purchasing process.

Even after years of progress—simplified-issue products, accelerated underwriting, and digital enhancements—conversion remains stubbornly low.

The deeper issue is not awareness or access, but orchestration: how carriers, distributors, agents, and technology align to turn interest into coverage.

Life insurance will always rely on relationships, yet the return on time and effort for both agents and customers is diminishing.

For industry leaders, the opportunity lies in reimagining distribution for efficacy and efficiency—transforming it from fragmented transactions to an intelligent, responsive system.

Averisana AI makes that possible. By unifying data, personalizing engagement, and streamlining underwriting readiness, we help insurers and distributors convert intent into outcomes—driving trust, speed, and sustainable growth across the value chain.

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