The "Next Generation" Insurance Agency: What AI-Native Means

Feb 3, 2026

Will Johnson, founder and CEO of Gyde, is building an AI-native insurance, wealth, and health brokerage to modernize agency distribution. He explains what AI-native means for agencies. Topics include automating renewals, using AI to multiply broker capacity, a partner-activation acquisition model, rapid Series A momentum, and a moonshot to unify insurance, wealth, and health advisory.

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INSIGHT

AI-Native Means Platform First

'AI-native' means building the business around an AI platform rather than just selling software.
Guide pairs that platform with economic alignment via acquisitions to deliver hands-on support to agency owners.

ANECDOTE

Coral Gables Moment

Will recalls being struck in Coral Gables by how valuable brokers were but how little technology they had.
That moment seeded his fixation on enabling brokers with better infrastructure.

INSIGHT

AI Unlocks Messy Data

AI made it feasible to intake messy broker data (notes, PDFs, spreadsheets) and turn it into usable signals.
That capability unlocked the possibility of automating renewals and client service at scale.

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"If financial services and healthcare are 10 years behind everybody else from a technology adoption standpoint, insurance distribution is usually 10 years behind that." - Will Johnson

My guest this week is Will Johnson, Founder and CEO of Gyde, who is building what he calls the first "AI-native" insurance brokerage. After spending a decade at Oscar Health, Will realized that while brokers are the critical "entry point to care," they are operating without the infrastructure needed to scale in the modern era.

In this episode, we define exactly what "AI-native" means for an agency. It isn't just about buying software; it's a new holding company model that acquires agencies to deploy AI infrastructure - automating renewals and client service to effectively "triple the capacity" of the best brokers.

We dive deep into the difference between the traditional "asset aggregation" model (roll-ups) and Gyde’s "partner activation" model. Will also shares why Gyde raised a Series A just 14 weeks after launching and his moonshot vision to converge health insurance and wealth management into a single advisory role.

If you are an agency owner feeling the ceiling of growth, this episode maps out what the next generation of distribution looks like.

Thank you to our 2026 sponsors!

ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit ParetoHealth.com to learn more.

Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.

Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.

Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.

Chapters:

(00:00:00) What is an "AI-Native" Brokerage?

(00:03:11) Will’s Journey: 10 Years at Oscar Health

(00:07:10) The Infrastructure Gap in Distribution

(00:12:27) Why Acquisition? The Case for Economic Alignment

(00:23:22) The Tech Stack: Automating Renewals & Service

(00:27:32) AI as a "Capacity Amplifier" vs. Replacement

(00:37:22) The Anti-Rollup: "Partner Activation" vs. "Asset Aggregation"

(00:46:12) Branding: Powered by Guide vs. Becoming Guide

(00:49:49) Raising a Series A in 14 Weeks

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