Industries · Insurance

Who authorized that agent? An insurer will have to prove it.

AI agents may soon act in an insurer’s claims settlement, underwriting and complaint handling. Today, Unica records every act of an agent under the authorization of an identified person, in a signed record, in the insurer’s own cloud account.

Talk to us about a pilotHow it worksWhat Unica is
A person in glasses reads papers on a clipboard, seated at a laptop.

The problem

An insurer already answers for every claim and every policy. Soon it will answer for its agents’ acts too.

An insurer already decides which risks it accepts and on what terms, settles claims and sells insurance directly, through brokers and through banks. Its board oversees risk management and internal control.

When an agent builds a claim file, proposes an indemnity or reviews a life insurance application, the policyholder, the auditor or the supervisor will ask the same question a loss adjuster or an underwriter is asked today: who authorized it, under which policy, and how it is proven. If the answer depends on the model provider’s logs, it is not enough.

Two cars, one red and one black, with their fronts crashed together; the red car’s hood is crumpled and raised.

How it works

Four steps, all with a signed record.

  1. Authorization

    An identified person authorizes the agent for one function. That authorization is revoked with immediate effect.

    Today

  2. Agent act

    The agent acts under that authorization, and each act stays tied to the person who gave it. Refusal of acts outside that authority comes in 2027.

    Today2027

  3. Signed record

    Who acted, under whose authorization, and when. Every record is signed: a later alteration breaks the signature.

    Today

  4. Verification

    Today, the signed record stays in the insurer’s own cloud. Verification on one’s own machine, without access to Unica, comes with the verifiable evidence package: as a service in 2027 and as a product in 2028.

    Today2027 service · 2028 product

Dates are projections of the current development plan, not commitments.

Unica’s capabilities, with what is available today and what comes later with its year, are on the Unica page.

How it connects

Representative architecture, illustrative example: it does not describe any customer’s installation.

Dates are projections of the current development plan, not commitments.

Where we are today

What is available today, and what comes next with its year.

  1. Available today

    • Authorization per person
    • Signed traceability
    • Immediate revocation
    • Installation in the customer’s own cloud

  2. 2027

    • Refusal of acts outside authority
    • Proven erasure
    • Model neutrality
    • Installation by a local consultant
    • First client with real data: 2027

  3. 2027 service · 2028 product

    • Verifiable evidence package
    • Contractual data residency
    • Neutral witness of third-party agents

  4. From 2028

    • Reconstruction and explanations for affected people
    • Partner operation in two jurisdictions

Dates are projections of the current development plan, not commitments.

Two limits today

  • Model residency

    Strict model residency in Chile is not available today: the latest models are served from São Paulo. The data does stay in the customer’s cloud account.

  • Team size

    Teipsum is a team of four people. Delivery is through local partners.

  • Use cases

    The five advantages for an insurer, each with its illustrative example.

  • Regulation

    The dated rules that bear on insurance, with a link to each rule’s page in the Regulation section.

  • Pilot

    The first step we propose to an insurer, and what we ask in return.