Insurance becomes predictive and personal.
The European insurtech market is growing to €12 billion by 2026. Insurers deploying AI for claims automation, fraud detection and underwriting achieve 45% faster claims processing and 60% better fraud detection. The shift from reactive to predictive insurance management is the biggest transformation in the sector since digitalization.
Expected European market size 2026 (Munich Re)
Claims processing with AI automation vs. manual
AI-driven fraud analysis vs. rule-based systems
Insurers with AI underwriting vs. traditional
The Insurance AI Suite
Five AI components for intelligent insurance operations — from underwriting to claims.
Claims Automation
AI-driven claims processing that automates intake, assessment and payout for standard claims.
Fraud Detection Engine
Machine learning that identifies fraudulent claims based on patterns, networks and anomalies.
Underwriting AI
Predictive risk assessment that accelerates acceptance and prices more accurately based on 300+ data points.
Customer Intelligence
360-degree customer insight for personalization of products, communication and retention strategies.
Insurance Analytics
Real-time insight into combined ratio, loss ratio, customer lifetime value and portfolio performance.
From weeks-long claims to minutes
How AI automates claims and detects fraud with unprecedented accuracy.
Straight-Through Processing
AI assesses standard claims automatically: from photo analysis of damage to policy verification and payout. 70% of simple claims are processed within minutes, without human intervention.
Fraud Network Analysis
Graph-based AI that identifies fraud networks by connecting claimants, garages, medical providers and patterns. Detects 3.5x more fraud than rule-based systems.
Predictive Loss Modelling
AI predicts expected loss per segment, region and season. Sets reserves more accurately and identifies emerging risks before they materialize.
Intelligent underwriting and client growth
How AI refines risk assessment and maximizes client value.
Dynamic Risk Assessment
AI underwriting that assesses risk in real time based on IoT data, behavioral patterns and external data sources. From static risk profiles to dynamic, personalized premiums. 35% better risk selection.
Product Recommendation Engine
AI that advises the optimal coverage per client based on risk profile, life stage and client value. Increases cross-sell conversion by 28% and improves customer satisfaction.
Retention Intelligence
Predictive models that forecast cancellation risk 90 days ahead. Automatic retention interventions — from personalized offers to proactive outreach — reduce churn by 40%.
From manual processes to autonomous insurance AI
Traditional insurance processes are labor-intensive. Agentic Insurance Systems automate routine decisions. W69 designs architectures where AI agents autonomously assess claims, detect fraud and personalize policies — 24/7.
Claims Intake Analysis
AI agents automatically analyze incoming claims: document verification, policy checks and initial risk assessment.
Fraud Screening
Real-time fraud screening of every claim against known patterns, networks and anomalies — before the claim enters processing.
Underwriting Decisioning
Automated acceptance decisions for standard risks within pre-defined parameters. Complex risks are escalated.
Portfolio Learning
Every claim outcome and risk decision refines the models. Your insurance operation becomes continuously more accurate.
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