Financial Services · 02
Insurance
Underwriting, claims, pricing—
rebuilt around the AI-native carrier
Life, P&C and reinsurance carriers moving from analytics-supported underwriting to AI-native pricing, claims and distribution. Lifted directly from the work with Frende Forsikring and others.
WHERE THE VALUE LIVES
AI is the new actuarial leverage.
The carriers that win the next decade are not the ones with the most pilots—they are the ones whose pricing, underwriting and claims engines run as AI-native operations from day one. We work alongside the actuaries, not around them.
–30%
claims handling cycle time
+ bps
of underwriting margin recovered
1Q
from kick-off to first measured loss-ratio impact
How we work
Where the value lives in Underwriting, claims, pricing
01
Pricing & underwriting
AI-native pricing engines that augment actuarial judgement. Backed by SR 11-7-grade model governance.
- ✓Personalised pricing
- ✓Portfolio-level risk selection
- ✓Reinsurance optimisation
02
Claims at velocity
Triage, fraud, settlement and customer experience—AI inside, conduct intact. The work pioneered with Frende Forsikring.
03
Distribution & advice
Broker, direct and embedded—AI agents that respect the suitability and conduct frame, not the brochure version of it.
SIGNALS
What is moving in Underwriting, claims, pricing, this quarter
updated continuously by the Institute
EIOPA & AI in insurance pricing
The fairness and explainability bar for personalised premium.
READ NOTE →
Embedded insurance, agent-distributed
What happens when AI agents purchase cover on a customer's behalf.
READ NOTE →
Claims triage that survives audit
Designs that won't get unwound by the conduct supervisor.
READ NOTE →
Combined ratio in the AI era
Where the next 200bps of margin actually comes from.
READ NOTE →
BEGIN HERE
A 90-day Acceleration, shaped to this sector
From kick-off to scaled, measured AI delivery in one quarter.