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保险业务用AI,提效还是失业?保险业务用AI，提效还是失业？
我的判断：AI替代的不是顾问，而是不会用AI的顾问。为什么？
保险本质是「概率+信任」。AI能处理前者——计算风险、生成方案、比对产品，这些早就比人强了。但信任这事儿，得靠活人。客户分类、方案生成、条款对比、素材整理……这些占据了保险人60%的时间，却是最低价值的部分。AI全包了。结果是：人的时间被释放出来，只做AI做不了的事——倾听、信任、长期关系。还在用Excel手动整理客户资料的：「AI抢工作了」用AI处理完所有案头工作，把时间全拿去陪客户喝茶的：「AI是我最好的实习生」哪个对？萧秋水，自媒体，作家，十年互联网保险经历、保险Agent深度研究者。
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夜雨聆风
