Run insurance claims, underwriting and servicing with governed AI agents
Build and deploy agents for evidence gathering, policy checks and exception handling across claims, underwriting and servicing. The AI Control Plane governs how they operate.
Deploy claims-triage-agent
Agents for specific insurance workflows
Moring engineers work with the team that owns the workflow, connect the required systems, define what the agents complete and establish where review is required. They test and deploy the agents with your team.
How it works
When a claim file arrives incomplete, the agent gathers the approved evidence, checks it against the policy schedule, flags what is missing and prepares a cited evidence pack. It cannot accept or deny coverage, issue payment or set a reserve. An authorized claims professional decides.
What to measure
- Time to a complete file
- Repeat document requests
- Files reaching the adjuster incomplete
How it works
When a broker submission arrives, the agent structures the risk, checks it against underwriting guidelines and appetite rules, identifies missing exposure data and cites the applicable rule. It cannot quote, bind or decline the risk. An underwriter decides.
What to measure
- Submission turnaround
- Manual data entry per submission
- Consistency of appetite checks
How it works
When a customer requests a policy change, the agent validates it against the policy and servicing rules, prepares the endorsement and sets out the impact. It routes anything outside the rule set to a named reviewer. An authorized employee approves customer-impacting changes.
What to measure
- Servicing turnaround
- Rework on endorsements
- Errors reaching the customer
How it works
When a broker question arrives, the agent identifies the request, retrieves the account and policy records and drafts a response with every source attached. It cannot give coverage advice, negotiate terms or commit the carrier. An authorized employee handles advice, commitments and exceptions.
What to measure
- Broker response time
- Escalations to underwriting
- Consistency of answers
How it works
When a claim trips an indicator, the agent assembles the approved case file, links related claims and parties, constructs the timeline and highlights unresolved questions with every source cited. It cannot deny a claim, determine fraud or file a referral. An SIU investigator decides.
What to measure
- Time per investigation
- Referral backlog
- Repeated data pulls
Know what every insurance agent did
See which agent acted, what it used, which rules applied and who reviewed the result.
One agent's record
Each agent is linked to a use case, an owner and a risk level. Policy determines whether each action is allowed.
Illustrative record.
One control layer for every insurance agent
Claims, underwriting and servicing agents use different systems and handoffs. The AI Control Plane controls their access, actions and approvals, and records what happened.
The control plane governs how agents use your existing systems. It does not replace your identity, your data, your cloud or your applications.
Your cloud or infrastructure
Deploy on AWS with Amazon Bedrock, or on Azure, Google Cloud, OCI, OpenShift or Kubernetes where those platforms are standard.
Policy administration, claims and document systems stay where they are. The platform uses the identity, encryption and audit controls already in place.
Run insurance agents across real workflows
Book an insurance workflow workshopWhat the NAIC bulletin and model risk reviewers expect from insurance AI
The NAIC Model Bulletin does not add new rules — it expects AI-supported decisions to follow existing insurance law, documented under the governance framework you already operate. Model risk review asks the same practical questions for a claims triage AI as for any other system in the inventory.
- Inventory: every AI system touching claims, underwriting, pricing or fraud is registered with an owner and a risk tier.
- Decision record: for each claim or case, which system version touched it, what data it used, what it produced and the named person who owned the decision.
- Human sign-off where the workflow requires it: adverse determinations, coverage decisions and anything the compliance officer owns stay with licensed people.
- Adverse-impact checks: outcomes are reviewable for unfair discrimination, with the evidence retained for examiners rather than reconstructed afterwards.
Guides for insurance AI agents, NAIC compliance and claims evidence
How carriers govern claims triage, prior authorization and revenue cycle agents without giving up the licensed decision.
AI Agents in Insurance: 5 Workflows to Evaluate Before You Deploy
Claims intake, triage, servicing, underwriting evidence and complaints — what each workflow needs before an agent touches it.
Read the workflow map →NAIC AI Model Bulletin Compliance for Insurers
What the bulletin actually requires of an AI-supported claim or underwriting decision, and what examiners will ask for.
Read the compliance guide →Prior Authorization Routing With Governed Agents
How prior-auth routing agents assemble clinical evidence and route exceptions while the clinical reviewer decides.
Read routing guide →Revenue Cycle AI Agents: Prepare and Track, Let Your Team Decide
Prior auth status, denial evidence assembly and claim follow-up — under HIPAA minimum necessary and human appeal decisions.
Read the RCM guide →Policy Servicing Agents
Endorsements, policy changes and servicing requests where the agent prepares and a licensed person commits the change.
Read servicing guide →Enterprise AI Agent Governance Framework
Identity scoping, runtime policy, human approval gates and run records for regulated workflows.
Explore AI Governance Hub →What insurance teams need to know
How the agents work, where they run and what the AI Control Plane governs.
What insurance workflows can AI agents handle?
Insurance agents can support claims intake and evidence, underwriting submissions, policy servicing, broker requests and fraud investigation support. Each agent is designed for a defined workflow, owner and operating boundary.
Can insurance agents run in our environment?
Yes. Moring can deploy them in your approved cloud or infrastructure and connect them to the policy, claims, document and case-management systems required for the workflow.
Which actions can an insurance agent complete automatically?
The agent can complete actions allowed by its permissions and policy. Other actions pause until an authorized person approves them.
When does an agent require human review?
Review can be required for exceptions, consequential actions or decisions outside the agent's authority. Routine work can continue when it remains inside the approved boundary.
What does the AI Control Plane record?
It records which agent acted, which information and tools it used, which policy applied, what action it took and who approved the result.
Who builds and deploys the insurance agents?
Moring engineers work with the claims, underwriting or servicing team that owns the workflow. They define the work, connect the required systems, test the agents and deploy them with the controls required for production.
How do you audit an AI agent in insurance?
Every run writes a record: which agent acted, the documents and tools it used, the policy that was applied, the checks it passed, the action it took and the person who approved the result. That is the AI audit trail a broker, carrier or regulator asks for, and it is reconstructable without asking the model what it did.
Can an AI agent help with claims triage?
Claims triage is the most common starting workflow. The agent reads the first notice of loss and the supporting documents, checks the claim against policy and coverage rules, proposes a severity and routing, and escalates the exceptions to a claims handler. The handler still decides; the agent prepares the file and the evidence.
Does Moring support the NAIC AI Model Bulletin?
Yes. The NAIC AI Model Bulletin expects an insurer to document an AI system and the controls around it at the level of the decision it supports. Moring registers each insurance agent to a use case, an owner and a risk level, applies policy checks before actions, and records human review where the workflow requires it — across claims, underwriting and servicing.
What does agent governance mean for an insurance carrier?
Agent governance is the set of controls that decide what an insurance agent may access, decide and change: its identity and permissions, the runtime policy it cannot override, the approval gates for consequential decisions, and the record of everything it did. For a carrier, governance is what lets a claims, underwriting or servicing team adopt an agent without moving the accountability off the human who owns the decision.