Industries · Insurance, MGAs & Brokers
AI for Insurance
Aaga builds AI and software for insurers, MGAs, brokers, TPAs and insurtechs. We take first notice of loss by phone and WhatsApp, read claim and underwriting documents, answer policy questions and flag risk for your adjusters, all connected to your policy admin and claims systems, with people making the decisions.
- Take FNOL 24/7 by phone, WhatsApp or web and open a clean claim file
- Extract data from claim forms, invoices, medical bills, survey reports and submissions
- Answer policy, payment and document questions without a queue
- Surface fraud and leakage signals for your claims and SIU teams to review
- Claims intake and policy questions answered
- 24/7
- One line of business or claim type first
- Pilot
- Clients across the US, Canada, UK, Netherlands, UAE and India
- 100+
Insurance Challenges We Help Solve
Insurance is a promise kept through paperwork. Most delays come from intake, documents and handoffs, not from the decisions themselves.
Claim spikes and long queues
After a storm, flood or major incident, FNOL calls arrive all at once and policyholders wait on hold at the worst moment of their year.
Document-heavy claims
Claim forms, photos, repair estimates, hospital bills, police reports and survey reports arrive in every format and are re-keyed by hand.
Slow underwriting intake
Underwriters spend hours pulling data out of broker submissions, ACORD forms, schedules and loss runs before they can assess the risk.
Repetitive servicing requests
Policy copies, endorsements, payment status and claim status questions tie up contact center and broker teams.
Leakage and fraud
Duplicate invoices, inflated estimates and suspicious patterns are hard to spot when every file is handled in isolation.
Where AI Works in Insurance Today
Each use case speeds up the work around a decision. Adjusters, underwriters and investigators keep the decision itself.
Claims intake and FNOL voice agents
A voice or WhatsApp agent verifies the policyholder, records what happened, collects photos and documents, and opens the claim in your system.
Document AI for claims
Extract and check data from claim forms, invoices, estimates, medical bills and discharge summaries against policy terms, then build a clean file for the adjuster.
Underwriting submission intake
Read broker emails, ACORD forms, schedules of values and loss runs into structured data, and flag missing information before the underwriter starts.
Policy servicing bots
Answer coverage, payment, document and claim-status questions on chat, WhatsApp or phone from your own policy data, with handoff to staff.
Fraud signals as decision support
Score claims for anomalies, duplicates and known patterns, and explain why a file was flagged so your SIU or claims team can decide what to do.
Renewal reminders
Timely renewal notices and reminder calls on approved templates, with payment links and a route to an agent for changes.
Insurance AI and Software We Build
Each solution links to the service behind it. Most insurers start with intake or documents.
FNOL and servicing voice agents
Inbound claim reporting and policy service calls, plus outbound renewal reminders, in English and regional languages.
Claims and underwriting document AI
Extraction, validation and routing workflows for claim files and underwriting submissions.
AI agents for claims operations
Agents that chase missing documents, update claim status and prepare files for adjusters.
Fraud and risk models
Anomaly detection and scoring models with explanations your investigators can check.
Policyholder chat and WhatsApp
Self-service for policy documents, payments and claim status on the WhatsApp Business API and web chat.
Portals and core integrations
Broker and customer portals, claims dashboards and integrations with your policy admin and claims systems.
From Claims Review to a Live Insurance Pilot
Workflow and data review
We map the claim or underwriting flow, the core systems involved and the personal and health data each step touches.
Controls and compliance design
With your compliance team we agree on disclosures, consent, access roles, retention, hosting region and every point where a person must decide.
Scoped pilot
We build one workflow end to end, such as motor FNOL or health claim document checks, for one line of business.
Parallel run
The system runs alongside your current process so adjusters can compare extracted data, flags and summaries before relying on them.
Go live and extend
We switch over on a share of volume, monitor accuracy and complaints, then extend to more claim types or lines.
Aaga vs a Typical Large IT Services Model for Insurance AI
Large IT services firms are often the right fit for multi-year core system replacements. Focused AI projects usually need a different shape.
| Aaga | Typical large IT services model | |
|---|---|---|
| Starting point | One claim type or workflow as a scoped pilot | Multi-phase program with a long discovery stage |
| Team | Senior engineers you work with directly | Larger blended teams with account management layers |
| Core systems | Integrates with your existing policy admin and claims systems | Often tied to a wider core transformation |
| Best fit | Targeted AI on intake, documents and servicing | Global, multi-thousand-person outsourcing programs |
Comparison describes typical delivery models, not any specific company.
What Is AI for Insurance?
AI for insurance is the use of voice agents, document AI, language models and machine learning to speed up claims intake, underwriting, policy servicing and fraud review. It does the gathering, reading and checking that sits around every insurance decision, so adjusters and underwriters spend their time on judgment instead of data entry.
Aaga is an AI-native engineering company. We build the AI together with the integrations it needs, so it reads from and writes to your policy admin, claims and CRM systems instead of becoming one more tool to check. We work with insurers, MGAs, brokers and TPAs, and serve clients across the USA, Canada, the UK, the Netherlands, Dubai (UAE) and India.
Which Insurance Workflows Should You Automate First?
Start where volume is high, the steps are well defined and a person can easily check the output.
| Workflow | What AI does | Who stays in control |
|---|---|---|
| FNOL and claim reporting | Takes the report, collects photos and documents, opens the claim | Adjuster reviews and assigns |
| Claim document checks | Extracts invoices, bills and reports, checks against policy terms | Adjuster decides coverage and settlement |
| Underwriting intake | Reads submissions, ACORD forms and loss runs into structured data | Underwriter assesses and prices the risk |
| Policy servicing | Answers status, payment and document questions | Staff handle changes and complaints |
| Fraud signals | Scores claims and explains the flags | SIU or claims team investigates |
| Renewals | Sends reminders and payment links | Agents handle coverage changes |
Claims intake and FNOL voice agents
A FNOL voice agent is an AI system that answers claim calls in natural speech, verifies the policy and records the loss in a structured way: date, location, cause, parties, injuries and damage. It sends a secure link for photos and documents, opens the claim in your system and gives the caller a reference number. When a storm or flood drives a spike in calls, it scales without extra staff. It says it is an AI assistant, and it hands over to a person whenever there is an injury, distress or anything it can't handle. See how we build voice AI agents.
Document AI for claims and underwriting
Insurance runs on documents. Our document AI reads claim forms, repair estimates, medical bills, discharge summaries, police and survey reports, broker submissions, schedules of values and loss runs. Each field is validated against your rules and policy data, and low-confidence fields go to a reviewer. The result is a clean, summarized file for the adjuster or underwriter. For policy wordings and guidelines, we use retrieval-augmented generation so answers quote the source clause.
Policy servicing bots and renewals
Most service requests are simple: a policy copy, a premium due date, a claim status, a document upload. A servicing assistant on chat, WhatsApp or phone answers them from your live data and routes endorsements, cancellations and complaints to staff. Renewal reminders go out on approved templates with a payment link, and only to opted-in contacts.
Fraud signals as decision support
Fraud models compare each claim against known patterns, such as duplicate invoices, claims soon after inception, linked parties or estimates far above the norm. They produce a score and the reasons behind it. A flag is a prompt to look, never an automatic denial. We test models for bias and keep them explainable, because a policyholder may need to be told why a claim was delayed.
How Does Aaga Handle Compliance and Customer Data?
We design every insurance system to support compliance with the rules that apply to you. In India that includes IRDAI regulations and the DPDP Act. In the UK and Europe it includes GDPR and UK GDPR. In the US it includes state insurance and privacy rules, and HIPAA for health plans and their business associates. In the EU, the AI Act treats AI used for risk assessment and pricing in life and health insurance as high-risk. This is general information, not legal advice. In practice:
- Disclosures and consent captured in calls and chats, including for call recording
- Role-based access and encryption in transit and at rest
- Audit logs of every AI output and every human decision
- Hosting choice in your region, or self-hosted models where data must stay in your environment
We don't claim certifications on your behalf. We document how the system handles data and work with your compliance and legal teams.
Why Insurers Choose Aaga
- Senior engineers, directly. You work with the people building your system.
- Pilot first. One claim type or line of business before a wider rollout.
- Own platform. Workflows, permissions and integrations come from Aaga's platform, so they aren't rebuilt from scratch.
- Affordable. Lower cost than large IT services firms for comparable scope.
Explore AI for financial services for banking and lending use cases, or see all industries we serve.
Frequently Asked Questions
Insurers use AI to take first notice of loss, read claim and underwriting documents, answer policy servicing questions, flag possible fraud and send renewal reminders. Aaga builds these as workflows connected to your policy admin and claims systems, with adjusters and underwriters making the decisions.
Yes. A FNOL voice agent verifies the caller, asks the questions your claims team needs, collects photos and documents by SMS or WhatsApp link and opens the claim in your system. It tells callers they are speaking with an AI assistant and transfers to a person for injuries, distress or complex losses.
No. We build AI that collects, extracts, checks and summarizes. Coverage, liability and settlement decisions stay with your adjusters, and every AI output is logged so you can see what the system did and why.
A model compares each claim against patterns such as duplicate invoices, unusual timing, linked parties and inflated estimates, and gives a score with the reasons behind it. It is decision support: your SIU or claims team reviews flagged files and decides what happens next.
We design systems to support compliance with the rules that apply to you, such as IRDAI regulations in India, GDPR and UK GDPR in Europe, and state insurance and privacy rules in the US. That covers consent, disclosures, access control, audit logs and data residency. Compliance also depends on your own policies, so we work with your compliance team and don't claim certifications on your behalf. This is general information, not legal advice.
We integrate with policy administration, claims and billing systems, including platforms such as Guidewire or Duck Creek and in-house cores, where APIs or other reliable routes exist. We also connect CRMs, document management, telephony, email inboxes and the WhatsApp Business API.
It depends on the workflow, the integrations and the document volume. After a free consultation we give you a scoped pilot plan and budget range for one line of business or claim type.
Faster Claims, Fewer Calls, Clearer Files
Tell us the claim type or servicing request that eats the most time. We'll show you how AI can take it on in a scoped pilot.
Discuss My Use Case