There's a huge assumption in your comment -- that you know how insurance works. "Most" probably aren't working in sales and marketing; I'd heavily dispute anything above 50% and I feel like 33% might be pushing it? I don't want to get overconfident here, but this claim feels off-base.
Insurance isn't like a widget. People have actual legal rights that insurers must service. This involves processing clerks, adjusters, examiners, underwriters, etc. Which then requires actual humans, because AI with the pinpoint accuracy needed for these legally binding, high-stakes decisions aren't here yet.
E.g., issuing and continuing disability policies: Sifting through medical records, calling and emailing claimants and external doctors, constant follow-ups about their life and status. Sure, automate parts of it, but what happens when your AI:
a. incorrectly approves someone, then you need to kick them off the policy later?
b. incorrectly denies someone initial or continuing coverage?
Both scenarios almost guarantee legal action—multiple appeals, attorneys getting involved—especially when it's a denial of ongoing benefits.
And that's just scratching the surface. I get that many companies are bloated, and nobody loves insurance companies. No doubt, smarter regulations could probably trim headcount. But the idea that you could insure a billion people with just 100, or even 1000 (10x!), employees is just silly.