Your AI agent wants your money back — and that could mean trouble for these companies

Personal AI agents are helping consumers claw back cash — and threatening companies that profit from consumer inertia. Cheng Xin/Getty Images Insurance companies have long profited from customers who don't shop around or challenge prices. Personal AI agents could upend that business model by comparing prices and haggling. "It would certainly be disruptive," one insurance analyst told Business Insider. Personal AI agents are coming for one of companies' most profitable customer behaviors: doing nothing. As personal AI agents make their way into people's financial lives, early users are using them to lower internet bills, recover airline credits, find cheaper insurance, chase refunds, and unearth money they had forgotten was theirs.