AI Agents

Context

Designed for insurance within the Policy onboarding stack, this agent is used when new policies are issued or existing policies are updated and beneficiary/nominee details must be complete, consistent, and compliant. Typical scenarios include first-time setup in life and personal lines, mid-process remediation where beneficiary data is unclear, and endorsement changes that alter relationships or percentages.

What it does

The agent reads the application and supporting evidence to confirm beneficiary and nominee identities, relationships, and allocation percentages. It validates names, dates of birth, IDs/tax IDs, contact details, and relationship types; checks that the total allocation sums to policy rules; confirms contingent/primary status; and highlights discrepancies across the application, IDs, and any declarations. The output is a structured beneficiary register with field-level links back to the exact page used, so underwriters and operations can approve with confidence.

Core AI functions

Document detection and parsing for application forms and ID proofs; OCR and entity extraction for personal identifiers and relationships; normalization of names, dates, and ID formats; cross-document consistency checks (application ↔ IDs ↔ declaration); allocation validation to ensure totals and contingencies are correct; and confidence scoring that routes only low-certainty or conflicting items for human review with targeted prompts.

Problem solved

Beneficiary and nominee sections are frequently incomplete or inconsistent, causing back-and-forth with customers, late endorsements, or post-issuance corrections. Manual checks miss sum-to-100% errors, mismatched names/IDs, or unclear contingent designations.

Business impact

Policy files are clean at issuance: fewer corrections and endorsements, faster time to bind, and reduced servicing effort. Complaints fall as designations are clear, while audit readiness improves through traceable linkage from each beneficiary field to the supporting document.

Integration and adjacent use cases

Integration complexity is light: ingest applications and ID proofs from portal/agent capture, email, or DMS; write validated beneficiary records and evidence links into the onboarding workflow or policy admin; no changes to cores.

Common combinations in this stack include:

• Identity & document extractor (policy) (to standardize insured/applicant identity),

• Risk profile & disclosure analyzer (for completeness of disclosures),

• Product suitability & match validator (to confirm fit),

• Policy terms cross-check agent (to reconcile riders/limits/exclusions with beneficiary rules), and

• Jurisdictional compliance agent (policy) (to apply local requirements for designations and documentation).