Regulated beachhead
Throughput on judgment-heavy work, without abandoning human review.
Claims, underwriting and fraud are high-volume, judgment-intensive workflows with an asymmetric cost of error. Supervised and guided autonomy let agents clear the routine end-to-end and route exceptions to human adjusters with full context. Solvency II and EIOPA frame the compliance layer.
The gap we close
The volume is relentless and the cost of a wrong call is asymmetric, a mishandled claim or a mispriced risk is expensive and, increasingly, a conduct issue. Teams face a false choice between speed and defensibility. Governed autonomy removes the choice: the agent takes the routine, the human keeps the judgment, and every decision is recorded.
What an agent does here
Concrete, document-heavy processes, governed, auditable, and honest about where a human must stay in the loop.
4 mapped processes, each with a defined autonomy boundary.
Claims intake & triage
The agent reads the claim, the policy and the supporting evidence, validates coverage against the wording, and settles or advances the straightforward cases, routing anything judgment-heavy to an adjuster with the file already assembled. Handoff-and-resume means an exception is delegated cleanly, not dropped.
Underwriting support
It gathers the risk documentation, extracts the material facts, applies the underwriting guidelines as executable policy, and prepares a priced recommendation with its reasoning cited. The underwriter decides; the agent removes the manual assembly and makes the rationale auditable.
Fraud detection
Sentinel-class pattern detection flags suspicious claims for a Special Investigations Unit, clears the clean majority, and escalates anomalies with the evidence attached, improving hit rate without treating every claimant as a suspect.
Policyholder communications
The agent drafts accurate, on-policy correspondence, renewals, requirements, decisions, grounded in the actual policy record, with a human on the loop for anything consequential. Consistency and speed, without off-script promises.
The same governance proven in banking applies here by design: graduated autonomy, quarantined document processing, fail-closed evidence trails, mapped onto Solvency II and EIOPA rather than re-invented per line of business.
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