In Nippon Life Insurance Company of America v. OpenAI Foundation and OpenAI Group PBC, No. 1:26-cv-02448 (N.D. Ill.), a life and disability carrier is suing the maker of ChatGPT because — Nippon alleges — the chatbot talked a claimant into blowing up a settlement she had already signed, then drafted the flood of filings she used to do it. It may be the first major civil case to accuse a consumer AI product of practicing law without a license. For the insurance bar, it is something more immediate: a live demonstration of what happens when the person on the other side of your closed claim has a tireless, confident, always-available “lawyer” who never went to law school and never passed a character-and-fitness review. This is Edition 2 of our AI and Insurance Insights series