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Automate underwriting and claims without unfair quotes, rogue promises, or privacy leaks.
Carriers use AI to triage claims, draft policies, and staff 24/7 chat. A single hallucinated coverage promise, biased score, or leaked claim file invites DOI scrutiny and costly remediation.
Typical deployments
NBC News reporting shows Black drivers still pay higher premiums even when risk factors match, and NAIC keeps warning carriers about AI recreating modern redlining.
Colorado’s DOI is extending its AI governance rule to auto and health insurers, signaling that explainability, fairness tests, and audit trails will be scrutinized.
Brave’s research into Perplexity’s Comet browser showed how hidden instructions in documents can make an AI execute malicious commands—exactly the kind of exploit fraud rings could use against claims or policy bots.
Bind assistants to filed rating engines and coverage scripts, detect outlier quotes, and log every decision with reasons regulators can audit.
Map models to NAIC, state DOI, GDPR/GLBA, and HIPAA requirements, auto-generate adverse action notices, and keep regulator-ready audit packages.
Attack claims bots with fraud-like payloads, prompt injections, and policy wording traps to ensure malicious users cannot game payouts or expose customer data.
Control
State Department of Insurance filing requirements that demand bots stick to approved language, rating factors, and disclosures.
Control
GLBA, GDPR, and HIPAA (for life/disability) controls over financial, medical, and claims data handled by AI.
Control
NAIC AI principles and "AI Bill of Rights" style guidance requiring fairness testing plus adverse action transparency.
Control
Record retention, audit, and complaint-handling rules so transcripts, overrides, and human interventions can be produced on demand.