AI Agents

Context

Designed for insurance within the Policy onboarding stack, this agent is used when new applications or endorsements include risk-relevant disclosures that must be captured, checked, and made complete before underwriting proceeds. Typical scenarios span life, health, property, and motor where declared conditions, activities, or usage must be evaluated and any gaps clarified early.

What it does

The agent reads the application and supporting evidence, then analyzes disclosed conditions and activities against policy rules and underwriting guidelines. It highlights missing or risky disclosures, pinpoints ambiguities (e.g., unspecified durations, frequency, or treatment status), and prepares targeted clarification prompts so customers or agents can supply what’s needed without restarting the process. The output is a structured risk profile with a clear summary of disclosures, flagged items, and a checklist of next steps—each linked to the exact page or field that triggered the finding.

Core AI functions

Document detection and parsing for applications and supporting forms; OCR and entity extraction tuned to risk attributes (conditions, treatments, occupations, hobbies, property/vehicle usage, security features); normalization of terminology and dates; rule evaluation against underwriting criteria; contradiction and omission checks across sections; and confidence scoring that routes only low-certainty or conflicting items to human review with precise, context-aware prompts.

Problem solved

Disclosures are often incomplete or vague, driving back-and-forth, late endorsements, and inconsistent underwriting. Manual checks miss missing fields or contradictions across sections and attachments.

Business impact

Underwriting moves faster and more accurately: gaps are resolved early, pricing reflects a complete view of risk, downstream corrections decline, and complaint rates fall because decisions are supported by clear, traceable evidence.

Integration and adjacent use cases

Integration is light–moderate: ingest applications and supporting evidence from portal/agent capture, email, or DMS; write the structured risk profile, flags, and prompts into the underwriting workbench or policy admin; no changes to cores required.

Common combinations in this stack:

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

• Beneficiary & nominee validator (for designation accuracy),

• Product suitability & match validator (to ensure the chosen product fits the disclosed risk and objectives),

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

• Jurisdictional compliance agent (policy) (to apply local disclosure requirements and wording).