AI Agents

Context

Built for insurance within the Reinsurance Coordination stack and owned by Reinsurance teams, this agent takes over once a claim is confirmed as shareable and the right treaties are known. Its role is simple but critical: prepare and send complete, consistent documentation packets to reinsurers so recoveries can be processed quickly, without endless back-and-forth or missing pieces in the file. It is designed for Tier 1–2 insurers where reinsurance programs are complex and delays in reinsurer communication translate directly into slower settlements and messy audit trails.

What it does

The agent reads the reinsurance claim record—linked policy, treaty references, loss details, sharing percentages, and current status—and assembles the documentation packet required by each reinsurer or treaty: loss notices, bordereaux entries, claim forms, supporting documents, and any prescribed summaries. It pulls data and files from policy, claim, and treaty systems, fills in standard templates with the correct figures and references, and organises everything into a clear package per counterparty. Once assembled, it routes the packet through your existing communication channels or reinsurance platforms, tracks when it was sent, and records acknowledgments or responses against the claim so that anyone can see “what we sent, when, and to whom” in one place.

Core AI functions

At its core, the agent does document assembly and communication: it maps structured claim and treaty data into the correct reinsurer templates, selects and attaches the relevant documents, and ensures that outgoing packets follow your standard structure and wording. It focuses on making this repeatable and traceable—so the content, order, and level of detail in packets are consistent across handlers and lines of business, rather than being rebuilt from scratch for each claim.

Problem solved

Without this agent, reinsurer communication is often manual and inconsistent: teams copy old emails, adjust spreadsheets, hunt for attachments in shared drives, and send slightly different versions of “the same” packet to different reinsurers. That introduces gaps (missing documents, wrong figures, unclear references), slows down settlement, and makes it hard to reconstruct the communication trail when Finance, Audit, or a reinsurer asks what was sent and when. The agent replaces this fragmented process with a standardised, system-driven way of building and sending documentation from the source data.

Business impact

The immediate impact is faster settlement and a cleaner audit trail. Reinsurers receive complete, well-structured packets the first time, which reduces clarification loops and shortens the time from notification to payment. Internally, reinsurance teams spend less time chasing documents and re-sending corrected versions, and Finance gains a clear line of sight over what has been submitted and what is outstanding. Over time, this improves trust with reinsurers, stabilises cash flow from recoveries, and reduces operational risk around one of the most sensitive parts of the balance sheet.

Integration and adjacent use cases

Integration complexity is low–medium: the agent needs access to reinsurance claim data, underlying policy and claim records, treaty references, and the bank’s or insurer’s communication layer (email, CCM, market platforms) to send and log packets.

Common combinations in this stack:

• Cession Eligibility Checker to define upfront which risks and claims are actually reinsurance-eligible;

• Retention Limit Validator to ensure retained shares and cessions align with treaty and internal rules before any notification goes out;

• Reinsurance Treaty Cross-Referencer to surface the exact treaties and clauses that must be quoted and supported in the documentation;

• Claim Sharing Agreement Trigger Agent to decide when a claim sharing event exists and what portion should be presented to reinsurers; and

• Reinsurer Notification & Documentation Assistant to turn that structured view into complete, standardised packets sent to each counterparty with a full communication log attached.

Together, these agents create an end-to-end reinsurance coordination flow where eligibility, retention, treaty mapping, sharing triggers, and reinsurer communication are consistent, auditable, and tightly linked.