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Insurance
Agentic Claims & Underwriting
Agents extract and normalize submissions, retrieve comparable cases and policy language, and draft decisions with cited basis—professionals approve.
The industry issue
- Submissions arrive as unstructured documents; keying and classifying them consumes the people hired for judgment.
- Similar claims get dissimilar outcomes because precedent lives in individual memory, not shared retrieval.
- Slow cycle times are the loudest customer-experience complaint in the industry—and a competitive opening.
What the agents run
- Extract, normalize, and validate intake documents—ACORD forms, loss runs, medical records, estimates—into structured case data.
- Retrieve the applicable policy language, endorsements, and comparable prior cases for every file.
- Draft coverage positions, reserve recommendations, or quote terms with the supporting basis cited for professional review.
Guardrails & the human loop
- Licensed adjusters and underwriters make every determination; agents assemble and draft, humans decide.
- Every recommendation cites policy language and precedent—defensible in dispute and in regulation.
- Fraud signals route to SIU teams with evidence packages, never auto-denials.