The augmented broker: what AI is concretely changing in your practice in 2026
Email sorting, document classification, content generation: AI is settling into Belgian brokerages. Here is what works, what is coming, and the framework to respect.
The theme of the 2026 Feprabel congress left no doubt about the direction of the sector: "The augmented human bond". Behind this phrase lies a concrete reality. Artificial intelligence is entering Belgian brokerages, and it is here to stay. The question is no longer whether you will use it, but how.
What already works
Several AI tools are operational in Belgian brokerage in 2026.
Paperbox, a solution negotiated by Feprabel for its members, analyses incoming emails and attached documents (production, claims, client requests). The tool automatically creates tasks and activities in Portima Brio, identifies the relevant client, contract or claim, and classifies attachments. Manual email sorting, which could take one to two hours per day in an active office, is largely automated.
Business software increasingly integrates automations: pre-filled forms, anomaly detection in declarations, contract renewal date alerts. These features reduce encoding time and limit human errors.
AI-assisted writing tools enable the production of client communications, seasonal newsletters or blog articles in a fraction of the usual time. Regular content production, which was a barrier for many brokers, becomes accessible.
What is coming: scoring and recommendations
The next wave concerns scoring, profiling, and product recommendation tools. Fintechs and insurtechs are developing systems capable of analysing a client profile and suggesting the most suitable coverage. EIOPA has addressed a letter to European institutions to clarify the application of the AI Act to the insurance sector.
These tools promise considerable efficiency gains. But they come with strict obligations.
The regulatory framework to respect
The European AI Act imposes transparency obligations that come into effect on 2 August 2026. For a broker, this means three concrete things.
AI-generated content. If your website contains texts written by artificial intelligence, you must disclose it, unless a responsible editor assumes genuine editorial control (Article 50(4)).
Chatbots and conversational AI. If you use a chatbot or automated responder, the client must know they are interacting with an AI before the exchange begins (Article 50(1)).
Automated decisions. AI systems used for creditworthiness assessment or pricing in life and health insurance are classified as high-risk (Annex III). If you use a tool that scores or recommends products, you must inform the client, explain the logic used, and guarantee a right to human intervention.
In Belgium, the BIPT has been designated as the main AI Act regulator, with the FPS Economy coordinating overall implementation. The FSMA oversees the use of AI in financial services and insurance through its FinTech Contact Point.
The DORA regulation, applicable to insurance intermediaries, adds digital operational resilience requirements. The AI tools you use must meet standards for reliability, traceability, and continuity.
AI does not replace the broker
This is the essential point, and it is the meaning of the Feprabel congress theme. AI does not replace the human relationship. It augments it. It handles low-value-added tasks (sorting, encoding, administrative follow-up) so the broker can focus on what makes them irreplaceable: listening, personalised advice, field presence.
A broker who automates email sorting, generates seasonal communications in minutes, and automatically measures client satisfaction is a broker who spends more time with clients. The "augmented human bond" is not an abstract concept. It is an operational reality.
Choosing the right tools
The challenge for a broker in 2026 is not to adopt every available technology. It is to choose a coherent ecosystem, compliant with the regulatory framework, that fits into daily practice.
The NextMove ecosystem was designed with this logic. A professional website whose pages are generated by an AI assistant in compliance with transparency obligations. An email marketing tool to maintain the bond with your portfolio. A satisfaction measurement system to detect weak signals. All integrated, compliant, and designed so the broker retains control over their communications.
