diff --git a/Shared/Views/InsightsView/InsightsView.swift b/Shared/Views/InsightsView/InsightsView.swift
index 45a844d..dea7c7f 100644
--- a/Shared/Views/InsightsView/InsightsView.swift
+++ b/Shared/Views/InsightsView/InsightsView.swift
@@ -293,7 +293,7 @@ struct InsightsView: View {
 
     private var isGeneratingInsights: Bool {
         let states = [viewModel.monthLoadingState, viewModel.yearLoadingState, viewModel.allTimeLoadingState]
-        return states.contains(where: { $0 == .loading || $0 == .idle })
+        return states.contains(where: { $0 == .loading })
     }
 
     private var generatingOverlay: some View {
diff --git a/Shared/Views/InsightsView/InsightsViewModel.swift b/Shared/Views/InsightsView/InsightsViewModel.swift
index 500f024..c6e441b 100644
--- a/Shared/Views/InsightsView/InsightsViewModel.swift
+++ b/Shared/Views/InsightsView/InsightsViewModel.swift
@@ -132,6 +132,12 @@ class InsightsViewModel: ObservableObject {
             }
         }
 
+        // Set all states to loading upfront so the overlay dismisses
+        // as soon as all tasks complete (not one-by-one)
+        monthLoadingState = .loading
+        yearLoadingState = .loading
+        allTimeLoadingState = .loading
+
         // Generate insights concurrently for all three periods
         await withTaskGroup(of: Void.self) { group in
             group.addTask { @MainActor in