Perpendo Solutions Designed to augment insurance professionals

Domain-native agents spanning P&C, Global Specialty, Life & Annuities, and Reinsurance.

Policy Servicing Agent — Diagram (HTML)
Channel
Email / ACORD
Endorsement requests, cancellations
Channel
DMS / CRM
Producer & customer updates
Channel
Scans / PDFs / Images
Proof docs, evidence
Channel
Core Events
PolicyCenter / Core triggers
Policy Servicing Agent
Governed, explainable servicing
Endorsements · Cancellations · Reinstatements · Renewals
Intake & Normalization
Parse forms, extract fields, validate schema
Eligibility & Authority
Authority matrix, Maker‑Checker gating
Impact & Rating
Premium deltas, fees, effective dates
Docs & E‑Sign
Endorsement forms, notices, signatures
Billing & Payments
Prorata, refunds, installments
Notify & Log
Broker/insured comms, audit artifacts
Request 1
Processed
Request 2
Processed
Request 3
Queued
Processed
Endorsement Processed
Term change +$142 premium
Processed
Cancellation (Pro‑Rata)
Refund $63.20 — approval captured
Processed
Reinstatement
No lapse; reason documented
Material decisions remain human‑accountable. HITL checkpoints and rollback rehearsals are enforced.
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PerpendoAI Solutions Explorer

Explore top AI copilots & assistants, benchmark metrics, and sub-industry value — across P&C, L&A, Global Specialty, and Reinsurance.
Global Specialty
Life & Annuities (L&A)
Property & Casualty (P&C)
Reinsurance
underwriting
claims
compliance
bordereaux
suitability

Use-Case Tiles

Two-line, compact descriptions with quick tags
Reinsurance
Treaty Assistant
Clause extraction, anomaly detection & term summarization.
clausesummarytermstreaty
Reinsurance
Cession Allocation Copilot
Risk-to-treaty mapping, share validation & attachment logic.
allocationcessiontreatyvalidation
Reinsurance
CAT Narrative Copilot
Event summaries & portfolio impacts with cited sources.
catexposurenarrativeportfolio
Reinsurance
Cedant Normalization
SOV/bordereaux mapping with leakage & reconciliation detection.
bordereauxcedantleakagesov
Reinsurance
Claim Recovery Copilot
Claim-to-treaty linkage, recovery forecasting & arbitration support.
claimsrecoverysubrogationtreaty
Reinsurance
Settlement Copilot
Premium/claim reconciliation, adjustment & variance detection.
adjustmentfinancereconciliationsettlement
Reinsurance
Capital Efficiency Copilot
RBC/Solvency analytics & capital optimization insights.
analyticscapitalefficiencysolvency
Reinsurance
Oversight Evidence Assistant
Committee-ready compliance bundles & governance checks.
auditevidencegovernanceoversight
Global Specialty
Broker Intake Copilot
Slip & email ingestion, entity normalization & broker matching.
intakenormalizationslipspecialty
Global Specialty
Placement Copilot
Market fit scoring, facility routing & renewal matching.
facilityplacementrenewalrouting
Global Specialty
Coverage & Clause Copilot
Clause delta detection, exclusion tracking & redline summary.
auditclausecoveragewording
Global Specialty
Pricing & CAT Prep Copilot
Rate computation, peril parameter extraction & CAT pack creation.
catparameterpricingrate
Global Specialty
Risk Engineering Copilot
Report summarization, recommendation scoring & peril tagging.
analyticsengineeringperilrisk
Global Specialty
Bordereaux Assistant
Premium/claims bordereaux validation & reconciliation.
bdxcompliancereconciliationtreaty
Global Specialty
Portfolio Steering Copilot
Rate-change variance, profitability & exposure mapping.
exposureportfolioprofitabilityrate
Global Specialty
Compliance Copilot
Sanctions, wording compliance & audit-ready explainability.
auditcomplianceexplainabilitysanctions
Life & Annuities (L&A)
Onboarding Copilot
Appointments, AML & licensing validation with NIPR sync.
amldistributiononboardingproducer
Life & Annuities (L&A)
eApp Suitability
Suitability scoring, explainability packs & adverse alerts.
complianceeappexplainabilitysuitability
Life & Annuities (L&A)
Underwriting Copilot
APS summarization, reflexive questioning & class prediction.
apsdecisionmedicaluw
Life & Annuities (L&A)
Servicing Copilot
Loans, withdrawals & 1035 exchanges with controls.
1035loanspolicyservicing
Life & Annuities (L&A)
Beneficiary Claims
Verification, contestability & document validation.
beneficiaryclaimscontestabilityverification
Life & Annuities (L&A)
Closed-Block Migration
Legacy conversion, data mapping & reconciliation accuracy.
accuracyclosedblockconversionmigration
Life & Annuities (L&A)
Actuarial Validation Copilot
Conversion accuracy, reserve validation & reconciliation.
actuarialreconciliationreservevalidation
Life & Annuities (L&A)
Compliance Copilot
FINRA/SEC/AML validation & audit trail creation.
amlauditcomplianceoversight
Property & Casualty (P&C)
Submission Intake
ACORD/email intake → normalized exposure & coverage data.
acordcoverageexposureintakep&c
Property & Casualty (P&C)
Appetite Triage
Route to markets/programs; referral packaging & prioritization.
appetitemarketroutingtriage
Property & Casualty (P&C)
Policy Check
Checklist vs binder/policy; exception flags & rationale.
auditbinderexceptionpolicy
Property & Casualty (P&C)
Quote Comparison
Delta highlight across carriers with explainable rationale.
comparisondeltapricingquote
Property & Casualty (P&C)
Underwriting Audit Copilot
Rule hit explainability, referral reasoning & compliance trace.
auditcomplianceexplainabilityunderwriting
Property & Casualty (P&C)
Policy Servicing Assistant
Endorsements, cancellations, reinstatements & renewal automation.
claimsestimatefnolphoto
Property & Casualty (P&C)
FNOL Copilot
Photo triage, estimate preparation & vendor selection.
claimsestimatefnolphoto
Property & Casualty (P&C)
Claims Recovery Copilot
Subrogation signal surfacing & recovery forecasting.
claimsleakagerecoverysubrogation
Property & Casualty (P&C)
SIU Copilot
Fraud clustering, behavioral anomaly detection & linkage mapping.
fraudinvestigationpatternsiu
Property & Casualty (P&C)
Compliance & Audit Assistant
Explainability reports, referral rationale & governance packs.
auditcomplianceevidencegovernance

Top 3 Solutions by Sub-Industry

Concise value cards with KPI chips

Personal Lines Top 3

Submission Intake Copilot

ACORD/email → normalized exposure, VIN/address match, prior-policy lookup.

  • Cycle Time: ↓ 50%
  • NIGO: ↓ 40%
  • Quote Accuracy: ↑ 20%
Mechanism: Document/email parsing + entity resolution + data enrichment.

FNOL Automation

Photo triage, estimate prep, and vendor routing for auto/home claims.

  • Claim Cycle: ↓ 35%
  • LAE: ↓ 20%
  • CSAT: ↑ +15 pts
Mechanism: Vision AI + NLP to extract cause, severity & liability.

SIU Copilot

Fraud pattern recognition across claims and policies.

  • Fraud Precision: ↑ 40%
  • False Positives: ↓ 25%
Mechanism: Graph embeddings + behavioral anomaly clustering.

Commercial Lines Top 3

Appetite Triage Copilot

Routes submissions to the right program; creates referral packs.

  • Referral Rate: ↓ 30%
  • Hit Ratio: ↑ 12%
  • Quote TAT: ↓ 45%
Mechanism: Vector similarity on NAICS/exposure + appetite rules.

Quote Comparison Copilot

Highlights rate & terms deltas across markets with rationale trace.

  • Review Effort: ↓ 60%
  • Rate Adequacy: ↑ 15%
Mechanism: LLM-based contract differencing + scoring engine.

Policy Servicing Assistant

Automates endorsements, renewals & cancellations.

  • Rework: ↓ 30%
  • SLA: > 95%
Mechanism: Rules + doc generation + workflow orchestration.

Specialty & E&S Top 3

Underwriting Audit Copilot

Rule-hit explainability, referral reasoning & compliance trace.

  • Referral Volume: ↓ 25%
  • UW Leakage: ↓ 15%
  • Audit Pass: 100%
Mechanism: Explainability layer + rule-context alignment.

Loss Run Parsing

Normalize loss runs; extract renewal factors & claim ratios.

  • Data Prep: ↓ 70%
  • Renewal Accuracy: ↑ 25%
Mechanism: OCR + tabular extraction + entity reconciliation.

Compliance & Audit Assistant

Evidence packs and traceable audit trails for AI outputs.

  • Audit Prep: ↓ 60%
  • Compliance Score: ↑ 30%
Mechanism: Agentic explainability + lineage registry.

Individual Life Top 3

Onboarding Copilot

Appointments, AML & licensing validation with NIPR sync.

  • Cycle Time: ↓ 45%
  • NIGO: ↓ 40%
  • First-pass: ↑ 25%
Mechanism: API-based licensing check + workflow orchestration.

Underwriting Copilot

APS summarization, reflexive questioning & risk-class prediction.

  • UW Cycle: ↓ 35%
  • Placement: ↑ 12%
Mechanism: LLM + medical NLP on EHR + rules overlay.

Beneficiary Claims Assistant

Contestability validation, name matching & document QC.

  • Settlement: ↓ 30%
  • Contest: ↓ 25%
Mechanism: Doc classifier + entity resolver + case timeline agent.

Group & Worksite Benefits Top 3

Digital Intake Assistant

Case file ingestion → eligibility validation & benefit normalization.

  • Setup Time: ↓ 50%
  • Accuracy: ↑ 30%
Mechanism: Spreadsheet parser + schema normalizer + rules agent.

Servicing Copilot

Policy maintenance, enrollment changes & billing adjustments.

  • Rework: ↓ 35%
  • SLA: > 95%
Mechanism: Orchestration + doc diff detector.

Claims Triage Copilot

Auto-classification of FNOL (disability, accident) and eligibility checks.

  • Cycle Time: ↓ 40%
  • Auto-adjudication: ↑ 25%
Mechanism: NLP intent + doc tagger + router.

Retirement & Annuities Top 3

Suitability Copilot

Suitability scoring & adverse action language generation.

  • Pass Rate: ↑ 20%
  • Manual Review: ↓ 30%
Mechanism: Policy LLM + regulation knowledge graph.

Policy Service Assistant

Loans, withdrawals, 1035 exchanges with embedded controls.

  • Service Time: ↓ 40%
  • Rework: ↓ 25%
Mechanism: RPA + AI form parser + intent classifier.

Closed-Block Migration Assistant

Legacy conversion, data mapping & reconciliation.

  • Accuracy: ↑ 99.5%
  • Defects: ↓ 60%
Mechanism: Entity alignment + schema mapping + reconciliation agents.

Business Metrics Impact Map

KPI chips with measurement exemplars
Underwriting & Rating
Cycle Time
Hit Ratio
Referral Rate
Compliance Accuracy
↓ Quote TAT 40–60% • ↑ Hit 10–15% • ↓ Referrals 25% • Audit-ready logs
Policy Servicing
Transaction Accuracy
SLA
Rework %
↓ Rework 30% • SLA >95%
Claims & Loss Mgmt
LAE
Fraud Precision
Subrogation Yield
Claim Cycle
↓ LAE 20–25% • ↑ Recovery 15% • ↓ Cycle 35%
Reinsurance & Risk
PML/TVaR Accuracy
Portfolio Volatility
↓ PML variance 10–20% • Real-time exposure alerts
Compliance & Audit
Explainability Coverage
Regulatory Findings
↓ Audit prep 60% • 100% lineage tracking
Legend:
KPI
Tag
Metric

PerpendoAI palette — Violet: cognition, Aqua: compliance/metrics, Charcoal: structure. All improvements are indicative ranges based on implementation maturity.