From shadow-mode to supervised automation — measurable impact every quarter. AI agents cut cycle times while boosting STP rates towards increased productivity for insurance carriers.
Each quarter of supervised learning compounds performance faster decisions, higher accuracy, and built-in compliance.
Fewer handoffs. Smarter workflows. Measurable intelligence
Perpendo AI delivers a connected ecosystem of domain-specific agents — spanning P&C, Life & Annuities, Specialty, and Reinsurance — each built to optimize distinct business functions while driving measurable KPI improvement.
From submission intake and underwriting triage to claims recovery, compliance explainability, and capital efficiency, every agent operates within an audit-ready, governance-first framework. Together, they orchestrate end-to-end intelligence — uniting data, reasoning, and regulatory assurance.
A → B → V: Agents + Business = Value.
| A — Agents | B — P&C | B — L&A | B — Specialty | B — Reinsurance | V — Value (KPIs) |
|---|---|---|---|---|---|
| Intake & Onboarding Agents Submission, Producer, Slip, eApp |
Submission Intake |
Onboarding |
Broker Intake |
Treaty Intake |
Cycle Time ▲ First-Pass ▲ NIGO ▼ |
| Underwriting & Pricing Agents Triage, Audit, Suitability, CAT Prep |
Quote & Audit |
UW Copilot |
Coverage & CAT |
Cession Alloc |
Hit Ratio ▲ Referral ▼ Rate Adequacy ▲ |
| Policy Servicing Agents Endorsements, Loans, Bordereaux Ops |
Policy Servicing |
Policy Service |
Bordereaux Ops |
Settlement Ops |
SLA >95% ▲ Rework ▼ CX/NPS ▲ |
| Claims & Recovery Agents FNOL Litigation, SIU, Recoveries |
FNOL / SIU |
Intake & Contest |
Litigation & Fraud |
Recoveries |
Cycle ▼ LAE ▼ Fraud Precision ▲ Recovery ▲ |
| Compliance & Audit Agents Sanctions, Explainability, Governance |
Explainability |
Compliance |
Sanctions/Wording |
Governance |
Explainability ▲ Findings ▼ Sanctions Pass ▲ |
| Portfolio & Capital Agents Exposure, Profitability, Capital |
CAT / Reinsurance |
Closed Block |
Portfolio |
Capital Eff. |
PML/TvAR ▲ Profitability ▲ Capital Efficiency ▲ |
Built by domain experts across P&C, Specialty, L&A, and Reinsurance
Aligning with NAIC, NIST, and EU AI Act principles
Every engagement produces traceable artifacts
Combining AI capabilities, deep insurance insights, and operational transformation
Quantified through cycle time, leakage, and STP metrics