Modern Artificial Intelligence for Insurance Professionals
What the systems sold as "AI" in insurance actually are, and why that changes how you check them. This module separates rules, predictive models and generative AI, explains how language models produce an answer, opens up the retrieval, tools and agents inside agency products, and reads the carrier and agency surveys only as far as their samples allow.
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Rules, Predictive Models and Generative AI in Insurance Work
35 min
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How Large Language Models Produce an Answer About Insurance
40 min
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Retrieval, Tools and Agents Behind Agency AI Products
40 min
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A Field Guide to Agency AI Tools and What the Surveys Say
40 min
What AI Can and Cannot Reliably Do With Policies, Coverage and Numbers
Why fluent AI output about a policy can still be wrong, and how to catch it. This module works through invented forms and coverage language, misread limits, deductibles and premium arithmetic, tools that fill gaps instead of saying a question cannot be answered, and the automation bias that lets experienced people wave errors through.
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Invented Forms, Endorsements and Coverage Language
40 min
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Limits, Deductibles, Premium Arithmetic and Long Policy Documents
45 min
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When AI Fills Gaps Instead of Saying It Cannot Tell
40 min
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Automation Bias and the Discipline of Doubt
35 min
Customer Information, Nonpublic Personal Information and Data Security
What customer information an agency holds, where AI tools can send it, and which laws reach the agency when they do. This module covers nonpublic personal and health information under the NAIC privacy and data security models, how GLBA reaches agents through state insurance authorities, when HIPAA applies, and a method for deciding what may enter a tool.
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What Counts as Nonpublic Customer Information in an Agency File
40 min
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Where AI Tools Put Customer Data
40 min
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How GLBA and State Insurance Privacy and Security Law Reach an Agency
45 min
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HIPAA, Health Information and the Decision to Put Data Into a Tool
40 min
Professional Responsibility and AI for Insurance Producers
An AI tool changes how agency work gets done, not who answers for it. This module covers the licence and line of authority, what unlicensed staff and tools may do, misrepresentation and unfair trade practices, membership codes that bind only members, and why AI guidance from the NAIC is addressed to insurers rather than producers.
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The Licence, the Line of Authority and What a Tool Cannot Hold
40 min
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Unlicensed Staff, Delegation and the Same Reasoning Applied to AI
35 min
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Misrepresentation, Unfair Trade Practices and Membership Codes
40 min
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Rules That Bind Producers Versus AI Guidance Addressed to Insurers
35 min
AI-Assisted Research on Policy Forms, Carrier Guidelines and State Rules
AI can help find and summarise policy forms, carrier guidelines and state rules, but it is an assistant, not an authority. This module sets out a research workflow, verification of every form edition and rule against the primary document, dated checks on whether a model was adopted or a rule still stands, and a provenance record for the account file.
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A Safe Research Workflow From Question to Answer
35 min
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Assistant, Not Authority: Form Editions, Endorsements and Carrier Guidelines
40 min
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Checking State Adoption and Whether a Rule Still Stands
40 min
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Documenting Research Provenance in the Account File
30 min
Prompt Engineering for Insurance Professionals
A good prompt makes an AI draft easier to check; it never makes the draft safe to send unchecked. This module covers a structured prompt for insurance tasks, supplying forms and figures instead of asking the tool to recall them, checking customer information before pasting, iterating with purpose, and patterns for everyday agency drafts.
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The Anatomy of a Structured Insurance Prompt
35 min
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Supplying Forms and Figures Instead of Asking the Tool to Recall Them
35 min
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Checking Customer Information Before You Paste, Then Iterating With Purpose
35 min
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Prompt Patterns for Coverage Summaries, Quotes, Service Replies, Renewals and Loss Notices
45 min
Drafting Proposals, Client Communications and File Documentation With AI
How to use AI for first drafts without first mistakes. This module covers proposals and coverage summaries built only from a verified account file, the written record behind an annuity or New York life recommendation, why a projection or sales piece is not the insurer's illustration, and file notes that show who prepared, who reviewed and what supports each statement.
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Proposals and Coverage Summaries From a Verified Account File
40 min
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Writing the Recommendation Record for Annuity and New York Life Sales
40 min
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Illustrations, Projections and Prepared Sales Materials
35 min
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File Notes That Show Who Prepared, Who Reviewed and What Supports Each Statement
35 min
AI in Quoting, Applications, Recommendations and Suitability
Where AI can help with needs gathering, quote comparison and application pre-fill, and where it must stop. This module covers the annuity best interest standard as states have adopted it, New York's rule for life and annuities, federal rules that never took effect, and the Medicare Advantage and Marketplace enrolment rules that reach agents.
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Where AI Helps and Where It Stops in Quoting and Applications
40 min
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The Annuity Best Interest Standard When AI Helps
45 min
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New York's Life and Annuity Rule and the Interactive-Tool Carve-Out
35 min
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Medicare Advantage and Marketplace Enrolment When AI Assists
40 min
AI in Marketing, Advertising and Customer Outreach
How to use AI for ads, social posts, emails, scripts and calls without breaking the rules that already govern insurance marketing. It covers state unfair trade practices law, life and annuity advertising, a reasonable basis for every claim (including claims about your own AI), the shift in federal enforcement posture, and consent rules for AI voices and automated calls.
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AI-Drafted Ads, Posts and Emails Under State Unfair Trade Practices Law
40 min
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Life and Annuity Advertising Built With AI
35 min
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Substantiating Claims, Including Claims About Your Agency's AI
35 min
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AI Voices, Automated Calls and Consent
45 min
AI for Agency Operations, Service and Claims Support
Service desks are where most agencies first meet AI. This module covers intake, certificate and endorsement requests, document extraction and ACORD licence terms, service chatbots and the licensing line, and claims support that acknowledges a loss without predicting coverage, with operational uses ranked by risk.
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Service Intake, Certificate Requests and Endorsement Requests With AI
40 min
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Document Collection, Data Extraction and ACORD Form Licensing
40 min
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Service Chatbots: Scope, Handoffs and What Texas Law Does and Does Not Require
35 min
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Claims Support That Acknowledges a Loss Without Predicting Coverage
40 min
Building Repeatable Insurance AI Workflows
One good AI answer is luck; a workflow makes good results repeatable. This module turns ad hoc chat into a staged process with data classification, verification, licensed sign-off and a retrievable record, scales controls to risk, designs a review step that resists automation bias, and builds worked workflows for common agency tasks.
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From Chat Window to Controlled Process: The Six-Stage Agency AI Workflow
40 min
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Scaling Workflow Controls to Risk and Human Involvement
35 min
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Designing a Review Step That Actually Catches Errors
40 min
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Procedures Manuals, Worked Workflows and Records You Can Retrieve
45 min
AI Agents and Autonomous Systems in Insurance Agencies
An AI agent does not just answer; it acts, using email, files, browsers and carrier portals. This module explains what agents are, ranks their permissions from read-only to changing coverage, sets human control points, action logs and kill switches, and shows how instructions hidden in emails and attachments can misdirect an agent.
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What an AI Agent Is: Tools, Browsers, Email and Carrier Portals
35 min
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Agent Risk Levels: From Reading a File to Changing Coverage
40 min
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Human Control Points, Action Logs and the Kill Switch
40 min
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Indirect Prompt Injection Through Emails, Attachments and Applications
40 min
Cybersecurity, Data Governance and AI Vendor Evaluation
How an agency protects the customer information its AI tools touch: classifying prompts and outputs, retention and deletion, multi-factor authentication that resists deepfake fraud, due diligence on AI vendors under Model #668 and New York's Part 500, and the regulator, consumer and vendor notice clocks that start when something goes wrong.
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Data Governance for AI: Provenance, Retention, Deletion and Classified Output
40 min
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Identity, Multi-Factor Authentication and Deepfake Social Engineering
40 min
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AI Vendor Due Diligence: Claims, Contracts, Supply Chains, Changed Terms and Exit
45 min
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When an AI Tool Is Breached: Regulator, Consumer and Vendor Notice Clocks
45 min
Agency AI Policy, Governance and Carrier Expectations
Why an agency should put its AI rules in writing and what the policy covers: approved tools, prohibited data, acceptable use, supervision, records and review. It explains what insurers are expected to do under the NAIC Model Bulletin, its state adoptions and Colorado's regulation, how that reaches agencies only indirectly, and where NIST and ISO frameworks fit.
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Why an Agency Needs a Written AI Policy and What It Should Cover
40 min
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Writing the Core Rules: Approved Tools, Prohibited Data and Acceptable Use
45 min
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What Carriers Are Expected to Do: AIS Programs, State Adoptions and Colorado's Framework
45 min
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Running the Policy: Frameworks, Supervision, Records, Incidents and Review
45 min
Practical Insurance AI Lab
Four hands-on labs on fictional clients: find the planted errors in an AI-drafted homeowners coverage summary and quote comparison, expose a fabricated endorsement and state rule and rebuild the weak prompt behind them, review an AI application extraction that obeyed text hidden in an attachment, and grade an AI vendor before writing an agency AI use policy.
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Lab: Find the Errors in an AI-Drafted Coverage Summary and Quote Comparison
45 min
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Lab: Find the Fabricated Endorsement and State Rule, Then Fix the Weak Prompt
45 min
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Lab: Review an AI Application Extraction and Design a Secure Workflow
45 min
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Lab: Evaluate an AI Vendor and Build an Agency AI Use Policy
45 min
Capstone: The Agency AI Implementation Plan
Write a sixteen-section AI implementation plan for one agency task: choose a low-risk first use with a measured baseline, name the licensed owner and review points, file the vendor and data decisions, keep the client relationship human, then run a bounded pilot with metrics that watch for harm, stop signals and a review that anticipates carriers' questions.
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Choosing the Problem and Scoping the Agency AI Plan
45 min
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Controls, Vendor Evidence and Documentation in the Plan
45 min
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Keeping the Client Relationship Human and Getting the Agency Behind the Plan
40 min
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Pilot, Metrics That Watch for Harm, Stop Signals and Carrier Alignment
45 min