AI Agents

Context

Designed for insurance within the Underwriting assessment stack, this agent is used on property and motor lines when applications include descriptions, photos, or documents about the insured asset and how it is used. It runs before pricing and decisioning so underwriters see a clear, evidenced picture of asset attributes and real-world usage patterns.

What it does

The agent reads the submitted pack—applications, inspections, photos, invoices, registrations, and telematics/logs where provided—and extracts asset attributes (make/model, year, specifications, modifications, location characteristics) and usage patterns (mileage or hours, duty cycle, garaging/storage, driver/operator profile, declared purpose). It reconciles terminology across sources, checks that values are complete and in-date, and flags contradictions (for example, “private use” alongside commercial mileage). Output is a structured asset and usage profile with concise rationales and links to the exact page, photo region, or log entry used.

Core AI functions.

Document and image parsing tuned to property/vehicle artefacts; OCR and entity extraction for identifiers, specs, and dates; photo cue detection for condition or modifications; ingestion and summarization of telematics or usage logs; normalization of units and taxonomies; cross-document consistency checks against the application; freshness/validity checks for inspections and registrations; and reason-code generation with field-level lineage to the evidence.

Problem solved

Asset descriptions and usage declarations are often unverified or inconsistent, forcing manual follow-ups and late corrections. Missing details or ambiguous usage lead to mis-tiered risk and downstream rework.

Business impact

Underwriting is faster and more precise: assets and usage are evidenced early, risk tiers and premiums align to reality, rework drops, and decisions are more consistent and defensible with an audit trail that links each conclusion to source.

Integration and adjacent use cases.

Integration complexity: medium. The agent ingests PDFs, images, and optional telemetry from portal/agent capture, email, DMS, or approved device feeds, and writes structured findings, flags, and evidence links into the underwriting workbench or policy admin; core systems remain unchanged.

Common combinations in this stack include:

• Health history & diagnostic validator (for health-related lines in mixed portfolios),

• Income & occupation verifier (life) where financial suitability is also required,

• Risk tier assignment agent to translate verified attributes and usage into a tier recommendation,

• Medical questionnaire analyzer when medical disclosures are part of the case, and

• Manual exception escalation wrapper to route complex files with a complete evidence pack.