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Artificially intelligent chatbots — like this one developed in Germany and named Musio — can serve as virtual insurance agents. Such technology can reduce customer frustration and wait times. (AP Photo/Michael Sohn)

In the Sixties, there was a quirky show called “Lost in Space,” where one of the main characters was a robot. The robot was the surrogate guardian of one of the young space family members, Will. When the robot sensed a threat, it would mechanically say: “Danger, Will Robinson!” The robot looked like a refrigerator with dryer vent arms, but it could sound that alarm.

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