The report, titled The Connective Thread, draws on qualitative research with 16 agents and brokers across 13 states. Findings reveal that while professionals are already experimenting with AI to gain efficiencies, their usage remains shallow due to a lack of organizational guidance. Josh Levine, founder and CEO of Cake & Arrow, notes that agents are resourceful but often left to navigate the technology landscape in isolation. To bridge this divide, the agency proposes a concept called Adjacent—an AI sidebar designed to act as a connective layer across existing platforms like CRMs, email, and carrier portals.

Rather than forcing users to switch between disconnected applications, this design approach prioritizes workflows that keep human expertise at the center. The report establishes five core principles for developers, emphasizing that effective AI must prioritize integration over automation and support knowledge transfer rather than just raw speed. By positioning agents as architects of these systems rather than passive users, the firm argues that the insurance sector can finally move beyond fragmented innovation toward tools that genuinely strengthen client relationships.