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Arahi AI Logo

Insurance Automation AI for Claims, Underwriting & Customer Service

Accelerate claims, modernize underwriting, and deliver 24/7 policyholder experiences with AI agents built for regulated insurance operations. Cut cycle times in half without compromising on compliance or audit trails.

Use Cases

AI-powered solutions for modern insurance

Automated Claims Processing

Agents review claim documents, validate coverage, run fraud scoring, and route approvals — cutting first-notice-of-loss to payout from weeks to days.

Intelligent Underwriting

Agents pull third-party data (MVR, property, medical), score risk against your guidelines, and produce underwriting recommendations with full rationale.

Policy Issuance & Renewals

Quote, bind, and issue policies automatically for standard risks. Agents track expirations, generate personalized renewal offers, and handle endorsements without manual intervention.

Fraud Detection & SIU Triage

Pattern-matching agents flag suspicious claims in real time and assemble SIU-ready packets — reducing leakage while preserving legitimate claims experience.

Policyholder Service & Self-Service

AI agents answer coverage questions, process simple policy changes, and route complex requests to licensed staff with full context — 24/7 across every channel.

Agent & Broker Support

Give independent agents instant quote turnaround, submission status, and appetite guidance via chat — without waiting on underwriter queues.

Results

What carriers and MGAs measure

70%

faster claims processing

Straight-through handling for standard claims; adjusters focus on complex cases.

50%

underwriting turnaround reduction

Automated data gathering and risk scoring gets submissions bound faster.

3x

policyholder self-service rate

Most common service requests resolved without calling in.

100%

audit & compliance coverage

Every decision logged with full reasoning and data lineage.

Built for

Roles that gain the most leverage

Chief Claims Officer

Today

Cycle times are creeping up, leakage is rising, and adjuster burnout is feeding attrition.

With Arahi

Straight-through claims handling and faster triage — adjusters spend their day on complex cases, not data entry.

Head of Underwriting

Today

Submissions queue for days while underwriters chase documents, producing inconsistent decisions.

With Arahi

Agents gather data, score risk, and draft recommendations so underwriters decide faster and more consistently.

VP of Customer Experience

Today

Policyholders expect instant digital service, and your contact center can't deliver it at reasonable cost.

With Arahi

24/7 AI service across every channel with human hand-off for complex needs — NPS up, cost down.

Simple steps to automate your Insurance Operations

How it Works?

Step 1: Connect Policy, Claims & Data Systems

Connect Policy, Claims & Data Systems

Integrate your policy admin system, claims platform, CRM, and third-party data providers (MVR, CLUE, medical, property).

Step 2: Encode Your Rules & Guidelines

Encode Your Rules & Guidelines

Bring your underwriting guidelines, claims-handling procedures, and compliance requirements into the agent — in plain language.

Step 3: Pilot With Human In The Loop

Pilot With Human In The Loop

Run agents in advisory mode first — they draft, your team reviews. Graduate to autonomous for well-bounded, low-risk decisions.

04

Scale With Governance

Expand across LOBs and channels with audit trails, QA sampling, and compliance monitoring running continuously.

Smart Features

Smart Features

Specialized insurance agents

Dedicated agents for claims intake, underwriting, policy service, fraud triage, and producer support — trained on your LOBs.

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Fraud detection & risk scoring

Cross-claim and cross-application pattern matching with real-time alerts and SIU-ready evidence packets.

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Policy admin & claims integrations

Works with Guidewire, Duck Creek, Majesco, Socotra, Insurity, Applied, Vertafore, and your internal systems.

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Regulatory & state-filing aware

Agents respect state-specific regulations, NAIC model rules, and internal compliance controls — with complete audit trails.

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Policyholder self-service portal

AI-powered portal lets insureds file claims, check status, update policies, and pay premiums 24/7.

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Audit trail & explainability

Every agent decision includes the data it saw, the rule it applied, and the reasoning — defensible to auditors and regulators.

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Workflows

End-to-end insurance workflows in production

Auto claim FNOL → settlement recommendation

Trigger

A policyholder files a first notice of loss via app, web, or call center.

What the agent does
  1. 1

    Agent conducts guided intake, capturing facts, photos, and documents.

  2. 2

    Pulls policy coverage and exclusions, runs MVR and historical claims checks.

  3. 3

    Runs fraud indicators; escalates to SIU with evidence packet if triggered.

  4. 4

    Drafts a settlement recommendation for adjuster review, or authorizes straight-through payment if within limits.

Outcome

Standard claims settle in days instead of weeks, leakage drops, and adjusters spend time on complex cases only.

Commercial submission → bind decision

Trigger

A broker submits a commercial application through your portal or email.

What the agent does
  1. 1

    Agent extracts the application, pulls property/financial data, orders required reports.

  2. 2

    Scores risk against your underwriting guidelines and appetite.

  3. 3

    Drafts a quote with rationale and flagged risk factors for underwriter review.

  4. 4

    Issues the policy or routes to underwriter with pre-packaged context.

Outcome

Submission-to-bind time drops dramatically; brokers route more business your way because your turnaround wins.

CTA Background

Modernize your insurance operations today!

Process claims faster, underwrite smarter, and deliver superior policyholder experiences — with audit-grade controls.

Arahi AI connects to 1,500+ apps including CRMs, marketing tools, support platforms, and more — so your insurance solutions workflows plug into the tools your team already uses.

FAQ

Frequently asked questions