AI-Native Insurance
ZERO
LEGACY
The InsurTech Playbook
for the Autonomous Era
HARPREET SINGH
ZERO LEGACY PRESS

The field manual for the autonomous era

The doctrine reshaping how insurance adopts agentic AI.

For carriers, MGAs, brokers, and capital markets — the practitioner’s guide to the frameworks the industry is already citing.

About the book

Insurance just split in two.

ZERO LEGACY names the divide for what it is — The Great Decoupling: model capability compounding exponentially while organizational absorption crawls forward in a straight line. On one side, a vanguard converts AI into structural advantage. On the other, the majority is trapped in efficiency theater.

Across five movements, it codifies an operating system for the autonomous era: the Strangler Façade, the Probabilistic/Deterministic split, Risk-Tiered Autonomy, the Immutable Decision Dossier, Code-Level Governance, and the API Multiple. It is the field manual for the leaders who intend to be on the right side of the line.

Start reading

First chapter — coming soon.

The opening chapter will be available here shortly.

First chapter — coming soon

The opening chapter will be available here shortly.

Get the book

Available now.

Paperback and ebook. Bulk and co-branded editions available for teams, events, and client gifting.

From page to practice

Bring the book to your team.

The book is the doctrine; our bootcamps make it operational. See how your workforce can learn it — and how the training may be funded.