AI agents for claims, underwriting and renewals
Agents that take first notice of loss, triage claims, prepare underwriting files and chase renewals. Adjusters and underwriters approve every decision.
Where insurance teams lose time
Claims intake is manual
Notices arrive by phone, email and WhatsApp with missing details, so adjusters chase basics before they can assess anything.
Adjusters buried in documents
Surveys, invoices, medical bills and photos need reading and cross-checking, leaving little time for complex claims.
Underwriting submissions arrive messy
Broker submissions come in mixed formats, and underwriters rekey data before they can price the risk.
Renewals slip through
Reminders depend on manual lists, so policies lapse and customers move to competitors without a conversation.
Agents built for insurance
Each agent does one job well, connects to the systems you already run, and stops for a person at the decisions that matter.
FNOL Intake Agent
Takes first notice of loss on WhatsApp, web or email, collects the required details and documents, and opens a complete claim record.
Claims Triage Agent
Scores each new claim for complexity and fraud indicators and routes it to the right adjuster or fast-track queue.
Claim Document Review Agent
Extracts data from surveys, invoices and bills, checks it against policy terms and drafts the assessment summary.
Underwriting Prep Agent
Reads broker submissions, extracts risk data into a standard format and highlights gaps and unusual exposures.
Renewal Agent
Tracks expiring policies, sends reminders, prepares renewal quotes and logs every customer response.
Broker Query Agent
Answers broker and policyholder questions on policy status, documents and claim progress from live records.
From first call to agents in production
Select one line of business and share recent claims or submissions.
We configure intake, rules and approval gates on XDQ AgentOS.
Adjusters or underwriters review every output during the pilot.
Measure against agreed KPIs and agree the rollout scope and price.
- Claims handled per adjuster per day
- Time from FNOL to first contact
- Claims settled on the fast track
- Submission to quote turnaround
- Renewal retention rate
Agents are built to work within IRDAI requirements in India, state insurance rules in the US, FCA and GDPR in the UK and the rules of Gulf insurance authorities. Coverage and settlement decisions always stay with licensed staff.
AI agents for insurance: common questions
Can AI agents settle insurance claims?
Agents prepare settlements but do not approve them. A claims document review agent reads surveys, invoices and bills, checks them against the policy wording and drafts the assessment with the proposed amount. The adjuster reviews and approves it. For simple claims you can define a fast-track path, but a person still signs off according to your authority limits. Every step is recorded on XDQ AgentOS.
Which claims systems can you integrate with?
We integrate with Guidewire, Duck Creek and in-house claims and policy admin systems through APIs, database views or scheduled exports. Email inboxes, WhatsApp and broker portals are common intake points. Where a system has no API, the agent works from structured exports and posts results back as tasks or notes. Integration scope is confirmed during the pilot brief.
How do you control fraud and error risk?
Triage agents flag fraud indicators and inconsistencies but never reject a claim on their own. Each flag carries the evidence and the source document, so the investigator can verify it quickly. Approval gates, guardrails and role-based access on XDQ AgentOS ensure the agent works only within the authority you set, and the audit log shows exactly what it saw and recommended.
How long does an insurance agent pilot take?
Most insurance pilots run 2 to 6 weeks on one line of business, such as motor claims intake or SME underwriting submissions. A focused pilot typically sits in the USD 5,000 to 20,000 band, while connected claims and underwriting builds fall between USD 20,000 and 50,000. Larger multi-line programmes can reach USD 50,000 to 200,000. We quote a fixed price after reviewing sample files.
From USD 49 or INR 2,999 a month. A person approves every step.