> ## Content Index > Fetch the complete content index at: https://www.bullished.co/llms.txt > Use this file to discover other available public pages before exploring further. # Allstate Plans Its Own AI Shopping Agent For Early 2027 — One That Will Quote Rivals Too - URL: https://www.bullished.co/allstate-plans-its-own-ai-shopping-agent-for-early-2027-one-that-will-quote-rivals-too-c0c6b8d7/ - Published: 2026-11-05T19:10:57.000Z - Updated: 2026-11-05T19:10:57.000Z - Description: CEO Tom Wilson says the insurer's protection-focused assistant will serve rival AI bots like Muse, which he frames as an opportunity. - Author: Matteo Parrino - Tags: Earnings, ALL, Industry: Financials [Allstate](https://www.bullished.co/tag/all/), the insurer behind the Allstate, National General and Direct Auto brands, will launch its own AI personal agentic assistant in early 2027, Chair and CEO Tom Wilson said on the company's [third-quarter earnings call](https://finance.yahoo.com/markets/stocks/articles/allstate-tops-q3-earnings-revenue-215003679.html?.tsrc=rss&ref=bullished.co) Thursday. Wilson said it will serve consumers and rival assistants such as Muse alike, and he cast the rise of AI shopping agents as an opening for Allstate, not a threat. ## An assistant that quotes competitors Wilson said the company has spent over a year building the platform. The foundational technology is in place, the assistant is in development and its algorithms are being tested. He called the protection focus a way for Allstate "to be offensive" in using its capabilities, with more accurate pricing and straight-through processing as the selling points. The assistant will quote other insurers, Wilson said, as Answer Financial already does. That direct independent agency represents over 30 companies and writes over $500 million of premium annually, and he said not much of it is Allstate's. "It will be indifferent as to who the business goes to," he said, adding that it is not meant to steer business to Allstate. He argued the tool could cut compute costs for general-purpose assistants, which today often visit many websites for quotes. Elizabeth Brady, Allstate's Chief Marketing, Customer and Communications Officer, said the company is still choosing a name. ## Muse, agents and the cost question A Wolfe Research analyst asked whether Muse would disintermediate the captive agent channel. Wilson said he assumes some customers will still want a local agent, and compared it with the internet, which did not make retailers disappear. Jess Merten, President of Property-Liability, said Allstate has about 5% fewer exclusive agents than last year, and that agents will choose among three new operating models effective January 1, 2028. On spending, Wilson said he and Chief Financial Officer Chris Lown are weighing whether to break out the assistant's cost separately or in a footnote, so it might not show up in the existing expense ratio. Lown said the investment will let Allstate decommission a number of systems over the next few years. Wilson also said it is unclear how quickly this market will develop. ## AI already inside the business Wilson said AI-assisted coding produced over 12 million lines of code in the third quarter, 3.6 times the first quarter's level. The Ask Allstate service launched in July and has handled 15% of chat volume for the affordable, simple, connected auto products, and 97% of employees are certified as AI enabled. The call also covered quarterly results: adjusted net income of $2.5 billion, or [$9.76 per share](https://seekingalpha.com/news/4665483-allstate-q3-earnings-match-consensus-and-revenue-misses-as-it-ramps-up-its-llm?ref=bullished.co), on revenue of $17.3 billion. Allstate's market value was $68.0 billion in Thursday trading. Wilson told analysts the shift is coming regardless: "This is going to happen," he said, which is why Allstate decided to get in on it. Learn - [How To Read An Earnings Call Transcript: Start With Guidance, Then Find What's Missing →](https://www.bullished.co/learn/how-to-read-an-earnings-call/) How to read an earnings call transcript: check guidance first, look for dropped metrics, compare growth with last quarter, and watch hedged wording. ### Sources - [Allstate (ALL) Tops Q3 Earnings and Revenue Estimates](https://finance.yahoo.com/markets/stocks/articles/allstate-tops-q3-earnings-revenue-215003679.html?.tsrc=rss&ref=bullished.co) — Yahoo Finance - [Allstate Q3 earnings match consensus and revenue misses as it ramps up its LLM (ALL:NYSE) | Seeking Alpha](https://seekingalpha.com/news/4665483-allstate-q3-earnings-match-consensus-and-revenue-misses-as-it-ramps-up-its-llm?ref=bullished.co) — seekingalpha.com - [Allstate Q3 Net Income Drops About 45% on Higher Catastrophe Losses](https://www.insurancejournal.com/news/national/2026/11/05/891598.htm?ref=bullished.co) — insurancejournal.com - [Compared to Estimates, Allstate (ALL) Q3 Earnings: A Look at Key Metrics](https://finance.yahoo.com/markets/stocks/articles/compared-estimates-allstate-q3-earnings-013001926.html?ref=bullished.co) — Yahoo Finance - [How Investors May Respond To Allstate (ALL) Third Quarter Earnings Report](https://sg.finance.yahoo.com/news/investors-may-respond-allstate-third-081612855.html?ref=bullished.co) — Yahoo Finance ### More on Allstate - [Allstate Third-Quarter Profit Falls To $2.1 Billion As Storm Losses Nearly Triple](https://www.bullished.co/allstate-third-quarter-profit-falls-to-2-1-billion-as-storm-losses-nearly-triple-6fdac718/) - [Allstate Adds $216 Million To Old Asbestos And Mass-Tort Reserves While Releasing $802 Million On Auto Injury Claims](https://www.bullished.co/allstate-adds-216-million-to-old-asbestos-and-mass-tort-reserves-while-releasing-802-81fa1dcb/) - [Allstate Reports $1.65 Billion In Third-Quarter Catastrophe Losses, $220 Million Of It In September](https://www.bullished.co/allstate-reports-1-65-billion-in-third-quarter-catastrophe-losses-220-million-of-it-in-f538b2e6/) [All Allstate (ALL) coverage →](https://www.bullished.co/tag/all/)