AI Agents

Context

Built for insurance within the Insurance distribution stack, this agent is used whenever producers must be verified for the right licenses and appointments before quoting, binding, or servicing. Typical scenarios include onboarding new agents or agencies, periodic validation of active producers across states/territories, and pre-bind checks in captive, independent, or bancassurance channels.

What it does

The agent reviews a producer’s profile and supporting documents, then validates licensing status, lines of authority, appointments, and renewal/CE dates against your rules and reference sources. It confirms carrier-specific appointment requirements, flags expiries or gaps (e.g., missing state appointment for the product line), and compiles a structured, auditable record with links to the evidence it used. Where issues are detected, it produces a focused remediation checklist so distribution can resolve blockers quickly.

Core AI functions

Document and record classification (licenses, appointments, CE/renewal proofs); OCR and field extraction for license numbers, jurisdictions, LOA, effective/expiry dates; cross-record normalization to align differing state formats; rule evaluation against carrier and jurisdiction requirements; and exception generation with clear reason codes (e.g., “appointment expired—jurisdiction X, LOA Y”). Confidence scoring and lineage ensure reviewers can click from any field to its source.

Problem solved

Manual license/appointment checks are slow and inconsistent, vary by jurisdiction and carrier, and often occur late in the sales process—creating avoidable rework or non-compliant binds.

Business impact

Distribution runs faster and cleaner: quoting and binding proceed without last-minute stops, regulatory exposure drops, audit findings and remediation work decrease, and partner trust improves as eligibility checks are consistent and timely.

Integration and adjacent use cases

Integration is light–moderate: read producer data from your distribution/partner system and documents from DMS or intake; write validation results and exceptions into your sales or compliance workflow—no core changes required.

Common combinations in this stack:

• Distributor contract validator (to confirm obligations and terms are current),

• Channel-specific suitability checker (to ensure product and channel rules are met),

• Sales script & disclosure consistency agent (to align communications with approved wording), and

• Incentive & commission rule validator (to verify payout calculations match policy once licensing is confirmed).