Most insurers can point to AI pilots that work. Few have the operating model to scale one. This session explores the decisions that determine whether AI becomes a durable capability: what a central AI or intelligent automation team owns, what stays with product and application teams, and how governance keeps pace without creating gridlock. It examines why reusable patterns, platforms, and workforce enablement matter more than counting use cases, and how Agentic SDLC and measurable value fit into that model. AI transformations stall when ownership is unclear, workflows go untouched, and no practical scaling model exists and this session will lay those out.