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For example, Progressive paid over $6 billion to independent agents last year, while Travelers and Hartford paid roughly $3.35 billion and $1.25 billion, respectively, in segments dominated by personal lines and small commercial business. BofA notes that these types of policies, such as standard home and auto insurance, represent low-sophistication transactions where human agents add little value, making direct-to-consumer digital channels a considerable cost-saver for the buyer.

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后来,融合了互联网通用语料的VLA(视觉-语言-动作)大模型成为主流,赋予了机器人出色的语义理解与任务拆解能力,从谷歌的RT-2到Physical Intelligence的π系列,再到GEN-0、GR00T等,VLA模型极大地降低了人机交互的门槛。

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