Insurance
Automate underwriting and claims without unfair-discrimination risk.
Insurers are moving AI into underwriting, pricing, and claims while regulators sharpen their focus on unfair discrimination and governance. DataStrict turns the factors a model may and may not use into enforced policy, and records every automated decision for the next market-conduct exam.
The pressure
The risk isn't the model. It's what reaches it.
Generative AI raises the stakes on data that was already regulated. These are the pressures DataStrict was built to hold for you.
- 01
Proxy discrimination and prohibited factors creeping into pricing and underwriting models.
- 02
Claims automation that needs oversight, consistency, and a defensible record.
- 03
A patchwork of state bulletins and an AI governance program regulators now expect to see.
- 04
Policyholder data spreading into prompts and third-party models.
What we enforce
Controls that run, evidence that holds.
Permitted factors, enforced as code
Express which inputs a model may and may not consider as versioned policy, applied to every underwriting and pricing call.
Oversight on sensitive decisions
Adverse or ambiguous outcomes escalate for human review, with the reasoning captured rather than reconstructed.
Evidence for market-conduct exams
The Ledger gives a department of insurance a queryable, tamper-evident record of how automated decisions were made.
Obligations
Mapped to the rules you answer to.
NAIC Model Bulletin
↗The NAIC's bulletin on the use of AI by insurers - governance, risk management, and testing expectations.
Colorado SB21-169
↗Restricts insurers' use of external data and algorithms that result in unfair discrimination.
EU AI Act
↗Risk pricing and underwriting in life and health insurance are treated as high-risk use cases.
GDPR
↗Automated decisions about individuals carry transparency, fairness, and data-minimisation duties.
External links are provided for reference and are not affiliated with DataStrict. See how obligations become enforced controls on the compliance page, and where the software runs on deployment.
Govern AI like infrastructure.
Talk to our team about deploying DataStrict across your enterprise stack.