The field manual for the autonomous era
For carriers, MGAs, brokers, and capital markets — the practitioner’s guide to the frameworks the industry is adopting.
About the book
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 Facade, 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.
What you will learn
Start reading
The Master Executive Summary of ZERO LEGACY — plus The Executive Briefing in your inbox. Unsubscribe anytime.
Get the book
Paperback and ebook. Bulk and co-branded editions available for teams, events, and client gifting.
FAQ
It’s the field manual for AI-native insurance — codifying an operating system for the autonomous era across five movements: the Strangler Facade, the Probabilistic/Deterministic split, Risk-Tiered Autonomy, the Immutable Decision Dossier, and the API Multiple.
The book’s central idea: AI capability is compounding exponentially while organizations absorb it only linearly. A vanguard converts AI into structural advantage while the majority stays trapped in efficiency theater — insurance has split in two.
Carriers, MGAs, brokers, and capital markets — the practitioners and leaders who intend to be on the right side of the divide.
Harpreet Singh — the author of ZERO LEGACY, an AI educator and keynote speaker for the people who own and run insurance capital. He leads AI and digital build inside a Canadian insurance business, and teaches carriers, MGAs and brokerages how to move AI from pilot to production. Former RIBO broker. Published by Zero Legacy Press.
From page to practice
The book is the doctrine; our bootcamps make it operational. See how your workforce can learn it — and how the training may be funded.
Tell me where you sit. I will meet you there.
Start Here