From competitive intelligence to claims review to assisted underwriting. Here is what a Fogoarai AI agent can do inside a carrier, running on your own systems where policyholder data never leaves the network.
Start with one workflow that pays for itself, then expand on the same private, governed platform. No new vendor cycle each time.
Read competitor disclosures and filings, build side-by-side comparisons across coverage, pricing and terms, and flag gaps in your own portfolio for the analysts.
Read the claim file (first notice, medical reports, quotes), extract the key data, check it against the policy, and flag inconsistencies or possible fraud for the adjuster.
Ingest the application, broker data, history and internal rules; prepare the underwriting recommendation with an audited justification; escalate anything non-standard to a human.
The competitive-intelligence workflow above runs in production today inside a Chilean life-insurance carrier. The other two are illustrative of the same capability. The exact scope is defined with your team.
In insurance, most of the value is locked in documents: policies, filings, claims files. That is why reading and synthesizing them is where an agent starts.
Agents read your internal archive (documents, manuals, regulations, prior cases) and answer with citations to the source. Private embeddings, served locally inside your network.
Ask your databases in plain language. A fine-tuned local model turns the question into validated SQL. No BI ticket, and no data leaves the network.
Small specialized models handle the repetitive work (classify, extract, validate, summarize) at a fraction of frontier cost, escalating to frontier models only when the task needs it.
Every action is tied to a real user, gated by policy, approved where it matters, and recorded in an immutable audit trail your security and compliance teams can review.
Built around the controls a carrier’s risk, security and compliance teams expect. The traceability the CMF will ask for on every AI-assisted decision.
Pick one workflow: competitive intelligence, claims, or underwriting. We scope it with your team, connect the systems, add the approvals and audit, and measure the result in the first 90 days.