AI Agents for Insurance

Automate Every Policyholder Touchpoint.
From FNOL to Renewal — Faster Than Ever.

Deploy purpose-built AI agents across your insurance operation — automate FNOL, claims triage, policy queries, renewals, premium quotes, and fraud detection 24/7. No code, no policy admin system overhaul.

Describe your agent — we build it
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No Code Required Enterprise System Sync 24/7 Autonomous Ops Live in Under 1 Hour
72%
of FNOL cases
handled without
a claims handler
40%
faster claims
settlement vs.
manual process
85%
of policy renewal
queries resolved
automatically
24/7
policyholder support
across all channels
and product lines
Agent Library

8 AI Agents Built for Insurance

Each agent handles a specific insurance workflow end-to-end. Connect your PAS, claims system, and broker platforms — live in minutes.

FNOL Claims Agent
Collects first notification of loss details, validates coverage in the policy admin system, creates a claim record, and dispatches an assessor or third-party supplier automatically.
Coverage ValidationAuto ClaimAssessor Dispatch
Claims Triage Agent
Categorises incoming claims by complexity, coverage type, and fraud risk — routing simple claims for fast-track settlement and complex cases to specialist adjusters.
Complexity ScoringFraud RiskFast Track
Renewal Agent
Contacts policyholders 30, 14, and 7 days before expiry with personalised renewal quotes and payment options — reducing lapse rate and improving retention.
30-Day CyclePersonalised QuoteAuto Payment
Premium Quote Agent
Generates accurate premium quotes via live rating engine, compares options, and guides customers to the right product — reducing broker dependency for standard products.
Live RatingProduct CompareQuote to Buy
Fraud Detection Agent
Flags suspicious claim patterns — duplicate submissions, inconsistent timelines, and high-risk indicators — for specialist investigation before settlement.
Anomaly DetectionDuplicate CheckHigh-risk Flag
Policy Query Agent
Answers coverage queries, explains exclusions, retrieves endorsements, and processes mid-term adjustments — reducing call centre volume by 65%.
Coverage FAQsEndorsementsMTA Processing
Claims Status Agent
Provides real-time claim progress updates, explains next steps, and proactively notifies policyholders of assessor visits and settlement offers.
Status UpdatesAssessor NotifySettlement Alert
Broker & Partner Agent
Answers distributor queries, retrieves policy documents, processes new business submissions, and checks commission statements — 24/7 for broker networks.
Broker PortalNew BusinessCommission Check
Problems & Solutions

Real Pain Points.
AI-Powered Fixes.

Organisations lose time and money daily to manual, reactive operations — every one of these is solvable with an AI agent today.

Common Challenges
FNOL calls create delays and handler bottlenecks
Policyholders call during stress — long hold times, manual data entry, and slow assessor dispatch erode trust at the worst possible moment.
Claims take 3–6 weeks to settle
Manual triage, paper-based evidence, sequential processing, and slow supplier coordination leave policyholders frustrated and expose you to FCA complaints.
Renewal lapse rates average 22–28%
Generic renewal notices without personalised pricing result in price-sensitive policyholders shopping the market and not returning.
Policy queries flood contact centre Tier-1
Coverage questions, exclusion explanations, and MTA processing are simple but volume-heavy — consuming 55% of service centre capacity.
Fraud slips through manual review
High volume and time pressure mean suspicious claims are missed. Average fraud per £100 premium in general insurance: £2.80.
What Your AI Agent Does
Handles 72%+ of FNOL without a handler
AI collects incident details, validates coverage, creates claim in PAS, and dispatches assessor — all in one automated conversation.
Fast-tracks simple claims to settlement in <48h
AI triages complexity, routes straightforward claims to automated settlement, and only sends complex cases to adjusters with full context.
Reduces lapse rate by 30–40% with personalised renewal
AI contacts policyholders at the right time with personalised pricing and one-tap renewal — before they shop the market.
Resolves 65%+ of policy queries without a call
AI connects to PAS, explains coverage in plain English, processes mid-term adjustments, and retrieves endorsements instantly.
Flags fraud risk before settlement
AI cross-references claim against historical patterns, duplicate submissions, and risk indicators — escalating suspicious cases before money leaves the business.
How It Works

Build Your AI Agent
in 4 Simple Steps

No system overhaul, no dev team, no months of integration. Go from description to live agent in under an hour.

1
Connect Your Insurance Stack
Link your PAS (Guidewire, Duck Creek, SSP), claims system, rating engine, and document management platform via secure APIs.
2
Configure Claims & Risk Rules
Set FNOL routing rules, fast-track claim thresholds, fraud risk scoring, and renewal pricing parameters per product line.
3
Deploy on Policyholder Channels
Go live on your portal, mobile app, WhatsApp Business, SMS, and email — with full FCA-compliant audit logging.
4
Monitor, Audit & Comply
Real-time claims dashboards, lapse rate tracking, fraud hit rates, and FCA PROD/ICOBS audit trails all built in.
// Agent Execution Flow
Policyholder Contact
App · WhatsApp · Web portal · SMS · Phone (IVR)
↓
Intent Classification
FNOL · Renewal · Quote · Claim status · Policy query · Fraud
↓
PAS / Claims System Data Fetch
Policy · Coverage · Claim history · Premium · Exclusions
↓
Autonomous Action
Create FNOL · Triage claim · Send renewal · Process MTA · Flag fraud
↓
Log & Compliance Audit
FCA ICOBS · Claim audit · Fraud investigation trail
Operational Gaps

6 Revenue Leaks in Your
Operation — Fixed by AI

Every one of these costs you time, money, and customer trust every day — and every one can be fixed with an AI agent.

Leak 1
FNOL Calls Create 20-Min Wait Times
Policyholders call at their most stressed moment and face long hold times. Manual data entry and handler bottlenecks damage first impressions.
AI Fixes This
AI collects full FNOL details in under 5 minutes
Validates coverage in PAS and creates claim record automatically
Dispatches assessor or TP supplier without human involvement
Leak 2
Claims Take 3–6 Weeks to Settle
Manual triage, paper evidence, and sequential processing delay settlement — driving FCA complaints and switching.
AI Fixes This
AI fast-tracks simple claims to automated settlement in 48h
Complex claims routed to adjusters with full evidence pre-compiled
Reduces complaints and improves FCA outcome testing scores
Leak 3
22–28% Renewal Lapse Rate
Generic renewal notices don't compete with comparison site results. Policyholders shop the market and don't return.
AI Fixes This
AI contacts policyholders 30 days before expiry with personalised quote
One-tap renewal via WhatsApp or app
Reduces lapse rate by 30–40% on average
Leak 4
Policy Query Calls Consume 55% of Service Capacity
Coverage questions, exclusion explanations, and MTAs are simple but high-volume — blocking agents from handling complaints and complex cases.
AI Fixes This
AI explains coverage in plain English from PAS data
Processes mid-term adjustments and retrieves endorsements
Frees agents for regulated advice and complaints handling
Leak 5
Fraud Slips Through Under Time Pressure
High claim volumes and processing SLAs mean suspicious patterns go undetected. Each fraudulent settlement averages £3,400.
AI Fixes This
AI cross-references claim against historical patterns
Flags duplicates, timeline inconsistencies, and high-risk combinations
Escalates for investigation before any settlement is triggered
Leak 6
Premium Quote Journeys Have 40% Drop-Off
Complex online quote forms lose policyholders at the point of highest intent. Average completion rate: 58% for standard products.
AI Fixes This
AI guides quote collection via WhatsApp or web chat
Live rating engine integration provides real-time accurate quotes
One-tap bind and payment — from quote to cover in 8 minutes
Multi-Modal AI Platform

Not Just Workflows — Build Voice AI Agents
& Conversational AI Chatbots

Deploy AI agents across every channel. Whether your users prefer natural phone calls, live web chat, WhatsApp Business, or automated backend workflows.

Autonomous Workflow Agents

Execute complex multi-step backend actions, ERP/BSS data syncs, scheduled cron jobs, and auto-credit/refund workflows with human-in-the-loop approvals.

Backend AutomationAPI Actions
Explore Workflow Agents

Voice AI Agents

Human-like inbound and outbound phone calls with ultra-low latency (<300ms). Handles IVR replacement, call triage, appointment booking, and phone support 24/7.

Sub-300ms LatencyIVR & Phone Calls
Explore Voice AI Agents

Conversational AI Chatbots

Interactive multi-channel chatbots for Web, WhatsApp Business, SMS, and Mobile Apps. Delivers instant answers, product recommendations, and guided self-service.

WhatsApp & WebSelf-Service
Explore Conversational Chatbots
Designed for Enterprise

Enterprise Architecture, Security
& Operational Control

RhinoAgents is built for enterprise scale — delivering full observability, explainability, bank-grade security, and 99.9% uptime.

Observable
Define and measure success with enterprise-grade observability, real-time telemetry, and version control.
TelemetryVersion Control
Explainable
Not a black box — built-in AI auditor ensures tasks are completed as intended & proposes continuous improvements.
AI AuditorFull Context
Secure
No data sharing. SOC 2 Type II and GDPR compliant with safe staging environments and robust guardrails.
SOC 2 & GDPRNo Data Sharing
Scalable
Guaranteed 99.9% uptime with smart fallbacks, seamless auto-scaling, and model-agnostic LLM technology.
Model AgnosticSmart Fallbacks
Reusable .md Skills Engine
Standardized Markdown format dynamically loads only required instructions — saving 80% tokens with sub-180ms execution.
Multi-Layer Agent Memory
Session, long-term, and organizational memory with 30d/90d retention controls & full admin purge capabilities.
RBAC & Enterprise SSO
SAML 2.0 / Okta / Azure AD authentication paired with granular role permissions and cryptographic audit logs.
Explore Full Platform Feature Suite →
ROI Estimator

What Could AI Agents Save
Your Organisation This Year?

Adjust the sliders to your operation size and see your potential annual savings from deploying RhinoAgents.

Monthly Policyholder Queries10000
Avg. Handler Cost Per Query (£)£12
AI Deflection Rate (%)72%
Monthly Claims Received800
Avg. Early Settlement Saving (£)£650

* Based on industry benchmarks from RhinoAgents customer deployments.

£0
Annual Query Handling Cost Saved
£0
Annual Claims Fast-Track Value
£0
Total Estimated Annual Value
Book a Demo
Every day without AI agents costs you avoidable operational spend and preventable customer loss.500+ teams deployed their first RhinoAgent in under 60 minutes. Yours can too.
Book a Demo
Integrations

Connects to Your Entire Tech Stack

RhinoAgents plugs into your existing systems with zero legacy disruption.

Guidewire PolicyCenter
PAS & claims
Duck Creek / SSP
Policy admin
Rating Engine APIs
Live premium pricing
LexisNexis / CUE
Fraud & claims data
Document Management
Policy & endorsements
WhatsApp Business
Policyholder messaging
Email / SMS
Renewals & claim updates
FCA-Compliant REST APIs
Any insurance platform
Why Switch

RhinoAgents AI vs.
Your Legacy Manual Process

The numbers don't lie. Manual, reactive operations are expensive, slow, and unscalable — especially during peak events.

MetricTraditional / ManualRhinoAgents AI
FNOL collection time20–35 min call + manual entry✓ Under 5 min automated via WhatsApp/web
Simple claim settlement3–6 weeks manual process✓ Under 48 hours fast-track automation
Renewal lapse rate22–28% industry average✓ 30–40% improvement with personalised AI renewal
Policy query resolutionHold queue, 15–25 min avg.✓ Under 60 seconds, 24/7
Fraud detectionPost-settlement review✓ Pre-settlement AI screening on every claim
Premium quote completion58% online form drop-off✓ 91% guided WhatsApp/chat completion
AvailabilityBusiness hours service centre✓ 24/7 across all channels
Deployment timeline12–24 months PAS integration✓ Live in under 60 minutes via API

"We deployed an FNOL agent and a renewal agent in three weeks. FNOL hold time dropped from 24 minutes to under 5. Our renewal lapse rate fell from 26% to 16% in the first quarter. The AI makes personalised calls — it knows the customer, their policy, and what they paid last year. It feels human."

Chief Operating Officer — Regional General Insurer, 480K Policies

Case Studies

Real Results from Real
Organisations

Not pilot programs. Production AI deployments handling real workloads every day.

General Insurer
Regional General Insurer — 480K Policies
UK · Deployed: FNOL + Claims Triage + Renewal agents

The challenge: FNOL hold times averaging 24 minutes. Claims taking 28 days average. Renewal lapse rate at 26%.

74%
FNOL cases handled without human handler
11 days
Avg. claims settlement (was 28 days)
£1.6M
Annual premium retained through renewal AI
Health Insurer
Private Medical Insurer — 120K Members
EU · Deployed: Policy Query + Premium Quote + Claims Status agents

The challenge: Policy query calls consuming 60% of service centre capacity. Online quote journey completing at 54%.

68%
Policy queries resolved by AI without escalation
88%
Quote completion rate (was 54%)
£740K
Annual service centre cost reduction
Book a Demo
FAQ

Common Questions

Yes. The FNOL agent is configured to meet FCA ICOBS 8 claim handling requirements — including providing accurate coverage information, managing customer expectations on timelines, and maintaining a full audit trail of every interaction for regulatory review.
The fraud detection agent cross-references incoming claims against CUE (Claims and Underwriting Exchange), historical claim patterns, timeline inconsistencies, and 40+ fraud indicator rules. Suspicious claims are flagged with a risk score and escalated to your fraud team before any settlement is authorised.
Yes. The policy query and renewal agents both handle MTAs — including vehicle changes, address updates, additional drivers, and cover level adjustments — by connecting directly to your PAS or rating engine for real-time endorsement processing.
Yes. The policy query agent retrieves the specific policy wording from your document management system and explains exclusions in plain English — referencing the exact clause. It never makes coverage statements beyond what the policy document contains.
RhinoAgents insurance agents operate across web portals, mobile apps, WhatsApp Business, SMS, email, and can be connected to IVR systems. All channels maintain FCA-compliant audit logging.

Ready to Transform Your
Insurance Operations with AI?

Join insurers using RhinoAgents to automate FNOL, accelerate claims, improve renewal retention, and deliver 24/7 policyholder support.

Book a Demo
No credit card required Live in under 60 minutes ERP/system integration included SOC2 compliant & secure