AI Agents

Context

Built for insurance within the Insurance Distribution stack and used by Distribution / Sales teams, this agent focuses on one thing: validating that the products and variants you allow in each channel actually match your suitability rules. It is designed for Tier 2–3 insurers that sell through a mix of tied agents, brokers, bancassurance, and direct/digital channels and want a consistent control to prevent mis-selling via certain channels.

What it does

The agent checks proposed or existing product–channel combinations against your documented suitability rules. For a given distributor or channel, it looks at which products, covers, options, and target segments are in scope and verifies that what is being set up—or already sold—matches those rules. Where something is outside the allowed pattern (for example, a complex investment-linked or high-risk product exposed in a mass-market or execution-only channel), it flags the issue so Distribution and Sales can adjust the configuration or restrict access before it becomes a conduct problem. The result is a clear yes/no view per product–channel pairing, with a short rationale anchored in your own suitability matrix.

Core AI functions

The core capability is suitability rules evaluation. The agent encodes your product suitability criteria per channel—eligible customer types, risk profiles, advice level, complexity, and required safeguards—and applies them systematically to channel and distributor setups. Instead of relying on spreadsheets and memory, it provides a repeatable check that turns each combination into “aligned with suitability rules” or “out of policy, needs review,” with simple reason codes.

Problem solved

Without this agent, mis-selling risk creeps in through channel configuration: products intended only for advised or specialist distribution end up visible in generalist or digital channels, and restrictions agreed in policy are not consistently enforced in systems. Mis-aligned setups are often discovered only after complaints, remediation exercises, or regulatory reviews. The Channel-Specific Suitability Checker tackles this directly by making “is this product suitable for this channel?” an explicit, system-level control instead of an assumption.

Business impact

The main impact is lower remediation and fewer complaints. By enforcing product–channel suitability rules upfront, the insurer reduces the likelihood of selling complex or higher-risk products through channels that cannot support them properly, which in turn cuts mis-selling exposure and the cost of cleaning up after the fact. Distribution and Sales can still push growth, but within clearly enforced boundaries that support good customer outcomes and regulatory expectations.

Integration and adjacent use cases

Integration complexity is low: the agent needs access to product catalogue and configuration data, channel and distributor definitions, and the central repository of suitability rules, and it writes its pass/flag outcomes back into the same distribution, portal, or configuration workflows.

Common combinations in this stack:

• Distributor Contract Validator to ensure contractual product and territory permissions for each distributor line up with the suitability view;

• Agent Licensing & Appointment Verifier to confirm that agents and intermediaries named in the contract are properly licensed and appointed;

• Sales Script & Disclosure Consistency Agent to check that actual sales scripts and disclosures used by the distributor match the obligations captured in the contract; and

• Incentive & Commission Rule Validator to verify that detailed commission structures and incentive schemes align with both the contract framework and internal remuneration rules.