While VCs obsessed over AI mega-rounds in Q4, insurance quietly deployed 103.5 billion dollars across 78 deals, a 73 percent deal acceleration that made it the most aggressive capital deployment of the quarter. Insurance deals averaged 1.33 billion each, fifteen times larger than traditional tech deals, which actually contracted 22 percent to just 18 billion total. The twist: insurance became one of AI's biggest enterprise adopters with predictive underwriting and automated claims processing generating immediate ROI, meaning VCs chasing AI infrastructure completely missed the sector actually deploying it at scale.