Insurers see immense promise in Generative AI, but legacy systems and fragmented data remain major hurdles. To capture real value, carriers need to unify data, simplify processes, and apply AI in ways that directly improve underwriting, claims, and policy servicing. This is where Newgen brings a differentiated approach. With its low-code NewgenONE platform, insurers can modernize without expensive system overhauls while seamlessly connecting data silos. At the core is Marvin, NewgenONE GenAI agent, which accelerates application design, enhances document processing, and enables faster decision making. Building on this, Newgen introduces Agentic Insurance Journeys, where AI agents are embedded across the insurance lifecycle to drive intelligent decisions and personalized policyholder experiences. Together, these innovations help insurers overcome legacy constraints, achieve faster turnaround, and deliver truly connected digital experiences.