Modern Customer Identity and Access Management (CIAM) systems are crucial for the insurance industry as they address challenges related to authentication, authorization, and user experience amidst rapid digital transformation. These systems enhance security and user experience by implementing adaptive multi-factor authentication (MFA), passwordless login methods, and federated authentication to streamline access across multiple platforms. CIAM frameworks also help meet regulatory requirements like MFA for privileged access and support complex B2B2C ecosystems by managing diverse user types with role-based, attribute-based, and relationship-based access controls. With the rise of AI-driven tools, CIAM systems must adapt to treat AI agents as integral actors within identity management, ensuring secure access protocols and comprehensive auditing. Effective CIAM implementation balances security with usability, supports scalability and compliance, and leverages no-code tools for efficient management, as demonstrated by platforms like Descope, which offer tailored solutions for the insurance sector.