AI Agents

Context

Built for insurance within the Insurance Distribution stack and used by Distribution and Legal teams, this agent focuses on a very specific task: checking that distributor and intermediary agreements are compliant and correctly set up before they are signed or renewed. It’s aimed at insurers that work with multiple brokers, agents, MGAs, or bancassurance partners and need a consistent way to verify contracts against internal and regulatory expectations.

What it does

The agent reads distributor contracts and annexes and checks them for compliance and correct configuration. It identifies who the distributor is allowed to sell to, which products and channels are in scope, how remuneration is structured, and what obligations and service standards are written in. It then compares that structure against your current distribution policies and templates, flags clauses that are missing, outdated, or outside approved patterns, and highlights where the contract no longer reflects how the relationship actually works in practice. The result is a simple view of “contract OK” or “contract needs adjustment”, with specific issues called out for Legal and Distribution to fix before approval.

Core AI functions

The core capability is contract analysis. The agent classifies key clauses and data points in each agreement—scope, roles, responsibilities, remuneration, territory, reporting, conduct and regulatory wording—and tests them against a rule set derived from your standard contracts and compliance guidelines. Instead of manual line-by-line reading, it turns each contract into a structured checklist of what is present, what is missing, and what is inconsistent with today’s rules.

Problem solved

Without this agent, non-compliant or outdated distributor contracts linger in the estate because reviews are manual and uneven. Different lawyers and distribution managers focus on different sections; some older agreements never get fully re-checked when regulation or internal policy changes. That creates regulatory and conduct risk and increases the chance of disputes with partners about what was agreed. The agent standardises this review so every contract is checked the same way, and known issues are surfaced early.

Business impact

The direct impact is fewer disputes and cleaner audits. Contracts are more likely to contain the right clauses and limits from day one, and when regulators or internal audit review the distribution estate, there is a clearer demonstration that agreements have been tested against policy rather than left to individual interpretation. For insurers with large intermediary networks, this reduces the cost and stress of remediation exercises when new rules arrive.

Integration and adjacent use cases

Integration complexity is low to medium: the agent needs access to your distributor contract repository or CLM system and to your current distribution policies and templates, and it writes its validation results back into the same onboarding or renewal workflow.

Common combinations in this stack:

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

• Channel-Specific Suitability Checker to ensure the products granted to a distributor are appropriate for their channel and customer base;

• 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.