AI Agents

Context

Built for insurance within the Policy onboarding stack, this agent is used when a proposed product must be checked against the customer’s objectives and risk profile before issuance. Typical scenarios include new business in life and personal lines, mid-process remediation where suitability evidence is incomplete, and endorsement changes that may alter product fit.

What it does

The agent reviews the application, stated goals, and risk profile, then evaluates whether the selected product and options match those needs under your suitability rules. It verifies eligibility criteria, checks limits, riders, and exclusions against disclosed risk, and confirms that required disclosures and acknowledgments for the chosen product are present and in-date. If something is missing or mismatched, it produces targeted prompts (what to change or add) and suggests compliant alternatives from the approved catalogue where applicable. Findings include field-level links back to the evidence used, so reviewers can confirm decisions quickly.

Core AI functions

Document and record parsing for applications and product selections; entity extraction for objectives, constraints, and declared risk attributes; normalization of terminology and dates; rule evaluation against suitability/eligibility criteria and product matrices; contradiction and omission checks (e.g., option chosen without required disclosure); and explanation layers that generate clear reason codes (“rider X requires disclosure Y”; “sum insured exceeds limit for profile Z”). Confidence scoring routes only low-certainty or conflicting items to manual review with precise, context-aware prompts.

Problem solved

Suitability reviews are often slowed by scattered evidence and manual cross-checks between customer objectives, risk disclosures, and product specifics. Omissions or mismatches lead to rework, late changes, or complaints after issuance.

Business impact

Issuance becomes faster and cleaner: product fit is evidenced upfront, exceptions drop, customer outcomes align with stated goals, and complaint risk is reduced. Review time decreases because the rationale is explicit and traceable, improving audit readiness.

Integration and adjacent use cases

Integration is light–moderate: ingest application data and product selections from your portal or policy admin and write pass/flag outcomes, reason codes, and prompts into the onboarding workflow; no core changes required.

Common combinations in this stack include:

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

• Beneficiary & nominee validator (to align designations with product rules),

• Risk profile & disclosure analyzer (to ensure disclosures are complete and accurate),

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

• Jurisdictional compliance agent (policy) (to confirm local wording and disclosure requirements for the chosen product).