First notice of loss intake
Agents capture FNOL across phone, web, email, and messaging at any hour, collect the details and documents needed to open a claim, and create the file in your core system — so nothing waits for business hours.
Insurance
AI agents for insurance
Aluxion deploys governed, autonomous agents that run insurance workflows end to end — from first notice of loss to payout — integrated with your core systems, with oversight, escalation, and a full audit trail. A person approves what matters.
- 24/7
- FNOL & policyholder support
- FNOL→payout
- claims handled end to end
- 100%
- actions logged & auditable
The outcomes that matter
In insurance, a slow first notice of loss, a missed fraud signal, or a backlog at renewal turns directly into leakage, churn, and regulatory exposure — and demand spikes hardest exactly when a catastrophe hits. Agents take the repetitive, high-volume work end to end so your people focus on the judgment calls.
01
Faster claims cycle
FNOL, triage, and routine claims run continuously, so cases move from first notice toward resolution instead of waiting in a queue.
02
Less leakage and fraud
Every claim and policy change is screened against your rules and patterns, catching duplicate, inflated, or anomalous activity before money moves.
03
Lower cost to serve
High-volume intake, support, and processing run without adding headcount, so your team handles only the cases that truly need a person.
04
Audit-ready compliance
Every action carries a timestamped, reversible record tied to the rule it passed, so a regulator or auditor request becomes a query, not a fire drill.
What our agents handle
Real tasks our agents run end to end — with oversight at every step.
Claims triage and routing
Agents classify each incoming claim by severity, line, and complexity, gather the supporting evidence, and route it to the right queue or adjuster — fast-tracking straightforward cases and escalating the rest with full context.
Fraud and anomaly detection
Every claim is screened against your patterns and limits — duplicate submissions, inflated estimates, inconsistent details, suspicious networks — and held for an SIU reviewer before any payment moves.
Subrogation identification
Agents read claim files to spot recovery opportunities, gather the liability evidence, and assemble the subrogation demand package — flagging viable cases for your recovery team instead of letting potential recoveries lapse.
Underwriting assistance
Agents collect application data, pull third-party and loss-history sources, and assess each risk against your guidelines, drafting a recommendation — so an underwriter decides from a complete file instead of chasing inputs.
Policy issuance and endorsements
Agents issue policies and process endorsements from approved applications, generating documents, updating coverage across your systems, and routing any change outside policy for review before it binds.
Renewals and remarketing
Agents prepare renewal quotes ahead of expiry, flag accounts that need re-rating or remarketing, and reach out to policyholders on their preferred channel — keeping retention up without manual chasing.
Policyholder support
Agents answer coverage, billing, and claim-status questions instantly in the policyholder’s language across every channel, resolving routine requests and escalating anything that needs a person with full context.
Quote generation
Agents intake prospect details, rate the risk against your product rules, and return an accurate quote in conversation — capturing what is missing and routing complex or out-of-appetite risks to an underwriter.
Premium billing and collections
Agents issue invoices, reconcile payments, and follow up on lapsed or overdue premiums with tailored reminders and payment plans — escalating to a person only when an account needs a real conversation.
Agent and broker support
Agents answer producer questions on appetite, coverage, and submission status, pre-fill applications, and chase missing documents — so brokers get fast answers and your underwriters receive complete submissions.
Catastrophe surge handling
When a catastrophe drives a spike in claims, agents absorb the volume of FNOL and status requests, prioritize by severity, and keep policyholders updated — so your team is not overwhelmed when it matters most.
These are examples, not a catalog
If a workflow is repetitive and rule-based, we can build an agent for it — the use cases are open-ended. Tell us the one slowing your team down and we’ll scope it.
How we work
From first workflow to full rollout
A short path from your highest-friction process to agents running in production — with your team in control at every step.
- 1
Map the workflow
We start with the process where work piles up and define exactly what a good result looks like.
- 2
Build & govern
We configure the agents to your systems, rules, and tone — with oversight and audit trails built in.
- 3
Pilot on real work
Agents go live on a real process under your supervision, so you see results before scaling.
- 4
Scale with confidence
Once proven, we extend to more workflows and teams, measuring adoption as you grow.
Built for the policy that has to pay out right.
Every agent action is logged, reversible, and governed against your rules — so your team keeps full control and a complete audit trail while the work runs itself.
Frequently asked questions
Straight answers on how our agents work, keep your data secure, and leave your team in control.
How do AI agents handle insurance claims securely?
Every agent action is encrypted, logged, and reversible, and runs against your underwriting and claims rules before anything moves. Sensitive policyholder data is redacted by default, so your team keeps a full audit trail on every claim and policy change.
Will agents approve claims or payouts without human review?
No. You decide which actions agents take on their own and which require sign-off. Payouts, high-value claims, and anything outside your rules wait for the approvals you define, with every decision recorded — a person always approves what matters.
Can agents work with our core policy and claims systems?
Yes. Aluxion agents connect to the platforms you already use — policy admin, claims, billing, and rating engines — and operate inside them instead of replacing them. Nothing is re-keyed by hand.
How do agents detect fraud?
Agents screen every claim against your patterns and limits — duplicate submissions, inflated estimates, inconsistent details, and suspicious networks — and hold flagged cases for an SIU reviewer before any payment moves. The point is to surface risk early, not to decide on its own.
Can agents handle a catastrophe surge?
Yes. When a catastrophe drives a spike in claims, agents absorb FNOL and status volume around the clock, prioritize by severity, and keep policyholders updated — so your team is not overwhelmed when demand peaks. Capacity scales with the event, not with headcount.
How do agents support compliance and regulatory filings?
Every action is timestamped, reversible, and tied to the source data and the rule it passed, and agents can assemble the documentation for regulatory and compliance filings. When a regulator or auditor asks for evidence, it is already there as a query.
How long does it take to put an insurance agent into production?
We start with one workflow — often FNOL intake or claims triage — and take it live before expanding. You see a working agent on a real process first, then scale from there.
Put your insurance agents into production
Tell us which workflow to automate first and we’ll show you how Aluxion takes it live — with oversight intact.