AI Agents

Context

Built for insurance within the Policy onboarding stack, this agent is used when a policy must meet local regulatory requirements at issuance or endorsement. Typical scenarios include new business across multiple jurisdictions, products with local disclosure variations, and end-of-process checks to ensure required forms, statements, and acknowledgments are present and in-date before the policy goes live.

What it does

The agent evaluates the policy pack against the jurisdiction’s rules and your internal standards. It confirms that mandatory disclosures and notices are included and correctly worded, checks that required forms, signatures, and consents are present (e.g., privacy/marketing consents, cooling-off acknowledgments), validates document freshness and retention requirements, and verifies tax/residency statements or language variants where applicable. It returns a clear pass/flag outcome per rule with links to the exact clause, page, or field that triggered the finding, and generates targeted prompts when items are missing or non-conformant.

Core AI functions

Document classification and section parsing for proposals, T&Cs, schedules, riders, and customer-facing notices; clause extraction with normalization of wording; rule evaluation against a jurisdictional obligation catalogue (required statements, forms, time windows, language variants, signature/consent needs); contradiction and omission checks across the pack; confidence scoring to prioritize material gaps; and version awareness to apply the correct rule set as regulations change.

Problem solved

Local requirements are easy to miss when documents differ by product and market. Manual reviews are slow and inconsistent, leading to late rework, findings in audits, or delayed issuance.

Business impact

Policies go out right the first time: compliance risk at issuance is reduced, review cycles shorten, audit trails are stronger with clause-level evidence, and downstream corrections and complaints decline.

Integration and adjacent use cases

Integration is light–moderate: ingest documents from your authoring tools/DMS or policy admin; write rule outcomes, evidence links, and prompts into your onboarding or document workflow—no core changes required.

Common combinations in this stack include:

• Identity & document extractor (policy) (baseline identity and file completeness),

• Beneficiary & nominee validator (designation accuracy),

• Risk profile & disclosure analyzer (complete risk inputs),

• Product suitability & match validator (fit against objectives and rules), and

• Policy terms cross-check agent (alignment of riders/limits/exclusions with the final pack).