[{"data":1,"prerenderedAt":160},["ShallowReactive",2],{"uc-reg-eu-idd":3},{"regulation":4,"includeUnpublished":11,"indexable":12,"useCases":13},{"id":5,"label":6,"issuer":7,"region":8,"url":9,"description":10},"eu-idd","Insurance Distribution Directive","European Union","europe","https://eur-lex.europa.eu/eli/dir/2016/97/oj","Directive (EU) 2016/97: conduct rules for selling insurance, including demands and needs testing and advice.",false,true,[14,56,80,109,135,150],{"slug":15,"title":16,"shortTitle":17,"definition":18,"status":19,"industries":20,"functions":22,"patterns":25,"audience":30,"autonomy":31,"adoptionStage":32,"segment":33,"evidenceCount":34,"publicEvidenceCount":34,"organizations":35,"bestGrade":42,"headline":43,"lastVerified":53,"indexable":12,"euAiActTier":54,"euAiActBasis":55},"insurance-policy-servicing-agent","AI agent for insurance policy servicing","Policy servicing agent","An AI agent that answers policyholders' coverage questions from their own policy documents and completes routine policy changes and document requests (address and vehicle changes, adding a named driver or item, payment method updates, certificates and proof of cover) across chat, messaging and phone, and hands anything complex or sensitive to a human with the context.","published",[21],"insurance",[23,24],"customer-service","operations",[26,27,28,29],"conversational-agent","voice-agent","rag-knowledge-assistant","agentic-workflow","customer-facing","supervised-agent","early-adopters","policy-administration",6,[36,37,38,39,40,41],"LAQO","Lemonade","Nsure.com","Sun Life","Waterdrop","Zurich Insurance (Hong Kong)","B",{"kpi":44,"label":45,"unit":46,"n":47,"nUpTo":48,"kind":49,"value":50,"qualifier":51,"claimant":52,"organization":37,"vendorReported":11},"containment-rate","Containment rate","percent",2,0,"reported",50,"at-least","organization","2026-09-27","limited","A customer facing assistant must be designed so that people know they are interacting with AI (Article 50(1), applicable from 2 August 2026). It is not high risk as long as it does not carry out risk assessment and pricing in relation to natural persons in life and health insurance (Annex III point 5(c)).",{"slug":57,"title":58,"shortTitle":59,"definition":60,"status":19,"industries":61,"functions":62,"patterns":65,"audience":69,"autonomy":70,"adoptionStage":32,"segment":71,"evidenceCount":72,"publicEvidenceCount":72,"organizations":73,"bestGrade":42,"headline":77,"lastVerified":53,"indexable":12,"euAiActTier":78,"euAiActBasis":79},"insurance-broker-and-agent-assistant","AI assistant for insurance brokers and agents","Broker and agent assistant","An AI assistant for tied agents, independent brokers, advisors and the insurer's own distribution staff that answers product, underwriting and process questions from approved sources, prepares personalized customer engagement and follow ups, validates and prioritizes leads, and drafts meeting notes and emails, so producers spend more time with customers.",[21],[63,64],"sales","knowledge-management",[28,66,67,68],"recommendation-and-personalization","content-generation","summarization","employee-facing","assist","distribution",5,[74,75,39,40,76],"Manulife","Prudential plc","Zurich Insurance Group",null,"context-dependent","An employee facing assistant for knowledge answers and drafting is not listed in Annex III and is minimal risk. A lead qualification agent that talks to customers must tell them they are dealing with AI (Article 50). Using performance insights to monitor and evaluate individual agents, or to allocate leads based on their behaviour or traits, is high risk under Annex III point 4(b), and any component that does risk assessment or pricing of life or health insurance for individuals is high risk under Annex III point 5(c).",{"slug":81,"title":82,"shortTitle":83,"definition":84,"status":19,"industries":85,"functions":86,"patterns":90,"audience":69,"autonomy":93,"adoptionStage":32,"segment":94,"evidenceCount":72,"publicEvidenceCount":72,"organizations":95,"bestGrade":42,"headline":101,"lastVerified":107,"indexable":12,"euAiActTier":78,"euAiActBasis":108},"insurance-pricing-and-actuarial-copilot","AI copilot for insurance pricing and actuarial analysis","Pricing and actuarial copilot","AI that speeds up the work of pricing and actuarial teams, from automated, transparent risk and demand model building to natural language analysis of rate filings, experience data and reserving diagnostics, while actuaries select the models, sign off the rates and own the professional judgment.",[21],[87,88,89],"product-and-pricing","risk-management","analytics-and-reporting",[91,92,29,68],"prediction-and-scoring","code-generation","copilot","pricing",[96,97,98,99,100],"Accelerant Holdings","Europ Assistance","Generali France","Kinsale Capital Group","MAIF",{"kpi":102,"label":103,"unit":104,"n":105,"nUpTo":48,"kind":49,"value":72,"qualifier":106,"claimant":52,"organization":98,"vendorReported":11},"productivity-gain","Productivity gain","multiplier",1,"exact","2026-09-26","Pricing and risk assessment of natural persons for life and health insurance is high risk under Annex III point 5(c). Pricing for property and casualty products, and actuarial analysis that does not price individuals, are not listed, although supervisors still expect sound model governance.",{"slug":110,"title":111,"shortTitle":112,"definition":113,"status":19,"industries":114,"functions":120,"patterns":124,"audience":69,"autonomy":93,"adoptionStage":32,"evidenceCount":72,"publicEvidenceCount":127,"organizations":128,"bestGrade":42,"headline":132,"lastVerified":53,"indexable":12,"euAiActTier":54,"euAiActBasis":134},"marketing-content-compliance-copilot","AI copilot for marketing content with compliance pre review","Marketing content and compliance","A copilot that drafts campaign copy, product explainers and social posts on brand and in the customer's language from approved product facts, then runs a first pass compliance check against advertising rules and required disclosures, flagging unsupported claims and missing warnings before a human in marketing compliance approves publication.",[115,116,21,117,118,119],"cross-industry","banking","payments","wealth-and-asset-management","pharma-and-life-sciences",[121,122,123],"marketing","regulatory-compliance","legal",[67,28,125,126],"classification-and-routing","translation",3,[129,130,131],"Ally Financial","JPMorgan Chase","Klarna",{"kpi":102,"label":103,"unit":46,"n":105,"nUpTo":48,"kind":49,"value":133,"qualifier":106,"claimant":52,"organization":129,"vendorReported":11},34,"An internal drafting and review aid that makes no decisions about people. Article 50 transparency duties apply to generated content: providers must mark synthetic content, and deployers must disclose deep fake images, audio or video. Personalized targeting of individuals is governed mainly by data protection and consumer law rather than the AI Act.",{"slug":136,"title":137,"shortTitle":138,"definition":139,"status":19,"industries":140,"functions":141,"patterns":143,"audience":145,"autonomy":93,"adoptionStage":146,"segment":71,"evidenceCount":127,"publicEvidenceCount":127,"organizations":147,"bestGrade":42,"headline":77,"lastVerified":107,"indexable":12,"euAiActTier":78,"euAiActBasis":149},"insurance-renewal-and-retention","AI for insurance renewal processing and customer retention","Renewal and retention","AI that prepares and runs the renewal cycle: it digitizes renewal submissions and changes in risk for underwriters, flags policies at risk of lapsing or leaving, prepares the renewal conversation and answers customers' renewal questions, while renewal prices stay governed by the insurer's pricing rules and fair value obligations.",[21],[142,23,63],"underwriting",[91,144,26,66],"document-processing","back-office","emerging",[148,38,76],"Hiscox","Renewal intake for commercial lines and outreach are not listed in Annex III. Renewal risk assessment or pricing for life or health insurance of natural persons is high risk under point 5(c), and so is a lapse score that feeds those decisions; a lapse score used only to decide who gets a service call is not listed. Customer facing renewal assistants carry the Article 50(1) duty to tell people they are interacting with an AI system, unless that is obvious from the context.",{"slug":151,"title":152,"shortTitle":153,"definition":154,"status":19,"industries":155,"functions":156,"patterns":157,"audience":30,"autonomy":31,"adoptionStage":32,"segment":71,"evidenceCount":105,"publicEvidenceCount":105,"organizations":158,"bestGrade":42,"headline":77,"lastVerified":53,"indexable":12,"euAiActTier":78,"euAiActBasis":159},"conversational-insurance-quote-and-buy","Conversational AI for insurance quote and buy","Conversational quote and buy","A customer facing AI agent that sells insurance directly in a conversation: it asks the rating questions in plain language, explains cover options, returns a price from the insurer's rating engine, handles objections and takes payment to bind the policy, with a licensed human available for advice and anything outside its limits.",[21],[63,23],[26,29,66,27],[37],"The conversational layer carries the Article 50 transparency duty. If the system assesses risk or sets prices for life or health insurance of natural persons, that part is high risk under Annex III point 5(c); pricing for property and casualty products is not listed.",1790598320042]