AI-powered insurance intelligence
From lead to claim.Every decision, explained.
AI-assisted underwriting for life and takaful insurers. Analyze medical, financial, and fraud risk, apply deterministic rules, and maintain a complete audit trail from quote to payout.
AI insights
Medical, financial and fraud risk, scored in parallel
Rule-based decisions
Deterministic, configurable, identical every time
Auditable outcomes
Every step recorded and replayable
How a case moves
Watch one decision being made.
01
Every journey starts with a lead
A new application arrives from the agent app, the portal or the copilot and enters one shared workflow, with its customer, case and policy records linked from the first minute.
02
Turn complex risk signals into clear insights
Language models read the medical, financial and fraud evidence in parallel. What they produce is advice: scored, explained, and kept separate from any decision.
03
Your rules remain in control
A versioned, configurable rule chain turns that advice into an outcome. Models never approve or decline anyone; the rules do, the same way every time.
04
Every decision has a story you can replay
The verdict, the evidence behind it and every step taken are written to an audit trail, so a decision can be explained to an auditor, a regulator or a customer.
Why Insurance AI
Intelligent analysis. Controlled decisions. Complete traceability.
Most AI in insurance is a black box that nobody can explain. Here the model never decides: it informs a rule chain you control, and every step is recorded.
- AI advises
01
Intelligent analysis
Language models read medical reports, financial documents and fraud signals, and turn them into scored, explained evidence.
Medical risk 38 / 100
- Rules decide
02
Controlled decisions
A deterministic, versioned rule chain makes the call. It is configurable by your team and behaves identically every time.
Fraud below 15%: pass
- Audit proves
03
Complete traceability
Each input, rule and outcome is written to an immutable trail that can be replayed to explain any decision.
Decision v12, replayable
Seven possible outcomes, each one reachable only through the rules
- Auto Approve
- Approve with Loading
- Human Review
- Request Additional Evidence
- Fraud Investigation
- Postpone
- Decline
Built for every customer
One workflow for individuals, families and employers.
Conventional and takaful plans share the same lifecycle, with the differences modelled where they matter: nominees for families, census and benefit classes for employers.
Term Life · Ahmed Khan, 34 · demo data
- 01
Lead
Agent adds the customer
From the phone, the portal or the copilot
- CustomerAhmed Khan
- Profile34 · Non-smoker
SourceAgent app - 02
Quote
Every eligible plan, priced instantly
Deterministic maths, no waiting
- Cover amountPKR 5,000,000
- Term20 years
MonthlyPKR 3,450 - 03
Application
E-application and pre-UW gates
Every gate is checked before underwriting
- Agent reportComplete
- First premiumReceived
Gates6 / 6 - 04
Underwriting
AI scores the risk, rules decide
Medical, financial and fraud in parallel
- Medical risk38 / 100
- Financial risk22 / 100
VerdictAuto Approve - 05
Issued
Policy issued and in force
Documents and free-look start automatically
- Policy no.POL-2026-0148
- Free-look15 days
StatusIn force
Copilot
- Name
- Ahmed Khan
- Occupation
- Software Engineer
- Income
- PKR 1,200,000
AI copilot
A teammate that asks before it acts
The copilot can onboard a lead, open a case and run the underwriting pipeline from a chat message. Anything that changes data pauses for a yes or no, enforced in code rather than left to the prompt.
Agent app
Field agents get the whole workflow on their phone
Lead board, tokenised e-application links, the confidential agent report and commissions. Leads created in the portal show up without a refresh.
Good morning
Your leads
Ahmed Khan
QuotedIndividual · Term Life 20
Sana Iqbal
ProposedFamily · Head + spouse + 2 nominees
Bilal Traders (Pvt) Ltd
CensusCorporate · 48 employees
Zain Raza
NewIndividual · Awaiting e-application
The policy journey
One platform for every stage of a policy
Seven connected stages share the same customer, case and policy records, so nothing is re-entered and nothing is lost between teams.
- 01
Lead
Agent, portal or copilot adds the customer, family or employer.
- 02
Quote
Every eligible plan is priced instantly with deterministic math.
- 03
Case & gates
E-application, agent report, compliance, first premium, history, medical.
- 04
Underwriting
Parallel medical, financial and fraud scoring, then a rule-based verdict.
- 05
Issuance
Counter-offer, reinsurance, beneficiaries and documents gate issue.
- 06
In force
Free-look, premiums, endorsements and renewals on one state machine.
- 07
Claims
Triage, fraud checks, adjudication, payout and recovery.
Products
Individual, family and corporate cover
Conventional and takaful plans share one lifecycle, with the differences modelled where they matter.
Built to be trusted
AI you can put in front of an auditor.
Insurance AI is a prototype built around the questions a regulated insurer asks first.
Decision traceability
Every status change runs through one state machine and leaves an event behind, so any outcome can be traced back.
Human oversight
Borderline cases go to a person. Human Review and Request Additional Evidence are first-class outcomes.
Explainability
Scores come with reasons, and the rule that produced a verdict is recorded next to it.
Configurable rules
Business rules are versioned data your team can change, not behaviour buried inside a prompt.
Enterprise workflow integration
Multi-tenant and role-aware, with the portal, agent app and copilot working on one set of records.
Questions
What teams usually ask first
Want to see it on your own cases?
We will walk through a lead becoming a policy and a claim on demo data, and answer anything this page does not.
Does the AI approve or decline applications on its own?
Models score evidence, but the verdict is picked by a deterministic decision engine. Borderline cases go to a human underwriter, and the copilot never mutates data without confirmation.
Which LLM providers are supported?
Google Gemini, OpenAI and Anthropic. A super admin sets the primary and fallback provider at runtime and credentials are encrypted at rest.
Can we sell both conventional and takaful products?
Yes. Plans carry a product category, and group and family takaful follow the same lifecycle with their own fund concepts.
Is this a live product?
Insurance AI is currently a prototype. The workflows shown here are built and running, while rates, plans and figures on this site are demo data.
Ready to make insurance decisions clearer?
We will walk you through a lead becoming a policy and a claim on demo data, with the AI advising and your rules deciding.