Reimagining the Insurance Experience

Overview:

Gain insight into Agentic AI and the intelligent ecosystem through the eyes of Arvind Kaushal, CEO and Co-founder of Cogitate. Learn how Cogitate is striving to elevate user experience and enhance operational efficiency for carriers, MGAs, and their distribution partners. Arvind Kaushal’s vision for the future of insurance, advancements in Cogitate’s DigitalEdge insurance platform, and what he values most about the DNA of Cogitate’s innovative culture are shared with contagious enthusiasm in this lively discussion.

We recommend this to:

Insurance professionals seeking future-proof insurance solutions to enable digital transformation of their operations and fuel significant growth.

Video Transcript Summary:

Michael: Arvind, thanks for sitting down with me today. Let’s dive right in. What excites you the most about the future of insurance technology, and how is Cogitate preparing for it?

Arvind: What excites me most is how insurtech is moving from experiments into real scaling, and how the industry has shifted from simple digitization to reimagining the insurance experience.

For Cogitate, we see the future unfolding in three key ways:

Agentic AI at the Core. We are enabling our platform with AI agents in underwriting workflows, claims management, and distribution. We’re also creating intelligent copilots that reduce friction, automate submissions, and enable low-touch, high-speed transactions.

DigitalEdge Expansion. We’re elevating the omni-channel user experience with instant quoting and straight-through processing. This helps our partners meet customers’ expectations for simplicity, speed, and transparency without sacrificing underwriting quality.

The Connected Ecosystem. We believe standalone systems are not the future. Instead, we are positioning Cogitate as the connective tissue of the insurance ecosystem by partnering with carriers, MGAs, data providers, and service providers. The goal is to create a unified and simplified user experience across the board.

Michael: What do you think customers benefit most from when working with Cogitate?

Arvind: Our biggest differentiator is our DNA. Cogitate is truly insurance technology by insurance people. Both Jacque and I have operated at carriers and MGAs, so we understand the challenges, opportunities, and pain points firsthand.

When customers work with us, they don’t just get a vendor- they get a partner. We sit at the table with them, brainstorm together, and co-create solutions. It’s that combination of deep industry empathy and a modern technology platform that makes the difference.

Michael: Let’s get more technical. How does Cogitate use technology to create real impact in the insurance industry?

Arvind: At Cogitate, we don’t see technology as just a tool, but rather as a business enabler that transforms and elevates the user experience.

We focus on two outcomes:

Elevating the user experience. Anyone who interacts with Cogitate should have a unified, simplified experience, whether it’s a policyholder, retail agent, underwriter, or claims manager.

Improving operational efficiency. We help carriers and MGAs scale faster and smarter by increasing efficiency throughout their operations.

Michael: It sounds like Cogitate’s mission goes beyond just growing the company or even its customers. Would you say it’s about driving change across the whole industry?

Arvind: Absolutely. We have a deep love for this industry, and we want to work with other solution providers who are elevating it. Insurance has historically been considered a laggard, but that’s changing.

Innovations like AI, OCR, and cloud technologies are opening new possibilities. But the real goal isn’t the tools themselves. Our focus is on the outcome: delivering a simplified, unified user experience across the insurance lifecycle.

Michael: I want to close with a curveball. You’ve been with Cogitate since the beginning. What do you think are the most essential traits for a Cogitate employee?

Arvind: That’s something we talk about often. For us, two traits stand out:

Continuous Improvement. We believe in being better today than we were yesterday. With 170 team members, if each person gets even a little better every day, then Cogitate as a whole grows stronger.

Customer-First Mindset. We’re in this for the long haul, and our priority is always to align with our customers’ vision. In any project, there may be challenges along the way, but if our customers achieve their goals, then Cogitate has succeeded.

Michael: That’s a perfect note to end on. Arvind, thank you so much for your time.

Arvind: Always a pleasure, Michael.