AI Agents

Context

Built for insurance within the Insurance Distribution stack and used by Distribution and Finance teams, this agent focuses on a classic friction point: making sure incentives and commissions paid to agents, brokers, and partners actually follow the agreed rules. It is triggered when new schemes are set up or changed, and when commission runs are processed, so the insurer can be confident that payouts are correct and policy-compliant.

What it does

The agent reads the relevant commission and incentive setup—tables, tiers, bonus rules, clawback conditions—and the underlying production data: written premium, product mix, lapse and cancellation behaviour, channel, and distributor type. It then checks that each calculated commission and incentive amount aligns with those rules, re-running calculations where needed and validating caps, floors, and special conditions. Where it detects mismatches, out-of-policy payments, or potential errors, it flags the specific transactions and rules involved so Distribution and Finance see exactly what needs correction rather than hunting through spreadsheets.

Core AI functions

The core capability is rules plus calculation checks. The agent turns your commission and incentive schemes into a machine-readable rule set, applies that logic systematically to actual production data, and compares expected payouts to what has been computed or paid. It focuses on identifying discrepancies and edge cases with clear reason codes, rather than trying to redesign incentive structures itself.

Problem solved

Without this agent, commission errors and disputes are common: schemes are implemented inconsistently across systems, overrides and exceptions accumulate, and Finance spends cycles reconciling what should have been paid versus what was paid. Distributors challenge statements, internal teams argue over interpretations, and correcting mistakes is slow and painful. The Incentive & Commission Rule Validator tackles this directly by checking calculations against rules in a consistent, automated way before issues blow up.

Business impact

The main impact is fewer commission errors and disputes, and a cleaner, more trusted compensation process. Distributors receive statements that match the rules they signed up to, Finance spends less time resolving discrepancies, and Compliance has stronger assurance that incentives are being applied as designed rather than drifting in practice. Over time, this supports healthier distributor relationships and reduces conduct risk linked to misaligned or incorrectly applied incentive structures.

Integration and adjacent use cases

Integration complexity is medium: the agent needs access to commission and incentive rule setups, production and performance data, and payout records, and writes its validation results back into the same distribution and finance workflows.

Common combinations in this stack:

• Agent Licensing & Appointment Verifier to ensure incentives are only paid to correctly licensed and appointed agents;

• Distributor Contract Validator to align actual commission schemes with what contracts permit;

• Channel-Specific Suitability Checker to ensure higher commission structures do not encourage selling complex products through unsuitable channels; and

• Sales Script & Disclosure Consistency Agent to keep what is promised in the field aligned with both product characteristics and the way incentives are structured.