AI underwriting without governance is just automated risk.
Insurers use AI agents for claims processing, underwriting, fraud detection, and customer service. TapPass ensures policyholder data stays protected and every AI decision is auditable.
Why insurance AI needs governance now
Policyholder PII in LLM calls
Claims processing agents send medical records, income statements, and policy details to external LLMs. GDPR requires the highest protection.
Unexplainable AI decisions
EU AI Act Art. 14 requires human oversight for AI in insurance. When your underwriting agent rejects an applicant, you need a full audit trail.
Claims fraud injection
A fraudster submits a claim with hidden instructions that manipulate your AI's damage assessment. Fraudulent claim approved.
Model drift in risk scoring
Your scoring agent gradually shifts classification after a model update. Loss ratios spike three quarters later.
Cross-policy data leakage
An AI agent processing both life and health insurance uses health data to influence pricing. Discrimination and regulatory risk.
Unbounded AI processing costs
Claims agents making hundreds of LLM calls per case. Processing costs eat into margins with no visibility.
Runtime governance for insurance AI
Policyholder data protection
Detect and redact policyholder PII, medical records, financial data, and claim details before reaching the LLM.
Decision audit trail
Every underwriting decision, claims assessment, and risk score is logged in a hash-chained audit trail.
Human approval gates
Require human sign-off for claim approvals above threshold, cancellations, and underwriting decisions.
Drift detection
Statistical signals detect when your risk-scoring agent changes behaviour. Catch regressions before they hit loss ratios.
Claims fraud defence
Scan incoming documents for injection attacks before your AI processes them.
EU data sovereignty
Force all policyholder data to EU-hosted LLM providers. Self-hosted deployment for maximum control.
Underwrite AI risk the same way you underwrite everything else.
Least privilege per tool, a human on the calls that deserve one, and a tamper-evident record of every allow, hold and block. Nothing on this page is a different product from the rest of TapPass — it is the same layer, with the thresholds your regulator already set.