Do I need to be able to write code?

No. The course teaches the design, control, and operational decisions that determine whether an automation is safe, and those are the same whether the build is done in a no-code platform, a vendor workflow tool, or custom software. You will read API documentation and data mappings, but you will not be asked to write a program.

How is Level 5 different from Level 3 automation?

Level 3 automates a task inside a workflow you control end to end. Level 5 connects AI to the systems of record, gives it tools that write, and takes responsibility for what happens when it acts wrongly at scale. The subject matter is agents, integrations, access control, security, monitoring, and incident response.

Is Level 5 required to hold the master credential?

No. The master credential is Level 4. Level 5 is a specialist track for people who build and run automations, and Level 6 is the instructor track. You may take them in either order once Level 4 is complete.

What is the capstone?

A complete automation implementation package for a fictional organisation: an automation charter, an integration and data map, an approval and access design, a security and monitoring plan, an incident runbook, a return-on-investment model with a baseline, and a pilot-to-production plan with stop criteria. A reviewer scores it against a published rubric.

What does the certificate mean?

It is an independent educational certificate issued by AI Coalition Network with a public verification page. It records that you completed the automation specialist track. It is not an insurance licence, a carrier appointment, a security certification, or a regulatory approval, and it does not replace professional judgment or legal obligations.

Master AI Insurance Agent Certification · Level 5 · Automation Specialist

AI Insurance Agency Automation Specialist

Level 5 of the Master AI Insurance Agent Certification

Build, secure, and operate AI automations across an insurance agency: agents and orchestration, integrations with the agency management system and CRM, human-in-the-loop approvals, least-privilege access, prompt-injection defences, logging, incident response, and honest return-on-investment measurement.

Enroll in Level 5 Full curriculum Level 4 first

Level: 5 of 6
Difficulty: Expert
Estimated time: 16 hours
Modules: 5
Curriculum: Version 2026.3

About this level

Level 4 made you accountable for how an insurance organisation uses AI. Level 5 makes you the person who builds the machinery and can be trusted to switch it on. It is a hands-on engineering-and-controls course for agencies, brokerages, MGAs, program administrators, and carrier-facing operations teams that have moved past single-prompt assistance and are now wiring AI into the systems that hold client, policy, and claim records.

The course opens with agents and orchestration. You will learn the practical difference between a prompt, a scripted workflow, and an agent that chooses its own next step, and you will learn to say plainly which one a given piece of agency work needs — which, in an industry where a wrong sentence in a certificate of insurance is a real exposure, is usually the least autonomous option that does the job. You will write an automation charter that fixes the trigger, the allowed tools, the stop conditions, and the blast radius before a single connection is made.

The second module is integration. You will read an API contract for an agency management system the way an underwriter reads a form: what it writes, what it cannot undo, what it rate-limits, and what it will do twice if you retry. You will connect to CRMs, carrier portals, document stores, and email without turning a convenience into an uncontrolled copy of nonpublic personal information, and you will design data mapping, idempotency, and reconciliation so that an automation that fails halfway leaves the systems of record in a state a human can understand.

The third module is control. Approval gates are designed for the licensed reviewer who has forty seconds, not for the engineer who built them. Service accounts get least privilege, scoped credentials, and an owner. Automated client contact never silently displaces the producer of record. The fourth module is security and operations: prompt injection and tool abuse against agentic workflows, logging and tracing an automation fleet, and an incident response and rollback procedure that works when the automation has already sent two hundred emails.

The fifth module measures. You will build a return-on-investment model that counts licensed review time, error remediation, and vendor cost honestly, manage a portfolio of automations through their lifecycle, and run an implementation project from pilot to production with stop criteria written in advance. The capstone is a complete automation implementation for a fictional organisation. This is an independent educational course offered by AI Coalition Network. It does not replace producer licensing, carrier appointments, or the laws and regulations of any state.

What you will be able to do

Distinguish a prompt, a scripted workflow, and an autonomous agent, and choose the least autonomous design that accomplishes a given piece of insurance work.
Write an automation charter that fixes the trigger, inputs, allowed tools, stop conditions, blast radius, owner, and rollback before any system is connected.
Read an agency management system or CRM API contract for write scope, irreversibility, rate limits, and retry behaviour, and design mapping, idempotency, and reconciliation around it.
Design human-in-the-loop approval gates that a licensed reviewer can genuinely use, with the evidence, the diff, and the refusal path on one screen.
Apply least privilege to service accounts, scoped credentials, and role-based access across the agency management system, CRM, document store, and email.
Defend agentic workflows against prompt injection, tool abuse, and untrusted content from client email and carrier documents, using published threat frameworks.
Log, trace, and monitor an automation fleet, and run an automation incident through containment, notification analysis, rollback, correction, and root cause.
Measure automation return on investment honestly against a baseline, including licensed review time and remediation cost, and run an implementation project with stop criteria written in advance.

Modules and lessons

Module 01

Agents and Orchestration in Agency Operations

Tell a prompt, a scripted workflow, and an autonomous agent apart, choose the least autonomous design that does the job, orchestrate multi-step agency work with explicit state and stop conditions, and write the automation charter that fixes scope and blast radius before anything is connected.

What an AI Agent Is, and When an Agency Needs One 50 min
Orchestrating a Multi-Step Agency Workflow 55 min
The Automation Charter and Blast Radius 50 min

Module 02

APIs, Integrations, and the Agency Systems of Record

Read an API contract for write scope, irreversibility, rate limits, and retry behaviour; connect to agency management systems, CRMs, carrier portals, document stores, and mail without creating uncontrolled copies of nonpublic personal information; and design mapping, idempotency, and reconciliation.

Reading an API Contract for the Agency Management System 55 min
Integrating with CRMs, Carrier Portals, and Document Stores 55 min
Data Mapping, Idempotency, and Reconciliation 50 min

Module 03

Human-in-the-Loop Approvals and Access Control

Design approval gates a licensed reviewer can genuinely use rather than rubber-stamp, apply least privilege to service accounts and machine identities across agency systems, and keep the producer of record in the loop whenever an automation contacts a client.

Designing Approval Gates a Licensed Reviewer Can Use 55 min
Service Accounts, Scoped Credentials, and Least Privilege 50 min
Automated Client Contact and the Producer of Record 45 min

Module 04

Securing Automations, Monitoring, and Incident Response

Defend agentic workflows against prompt injection and tool abuse from client email and carrier documents, log and monitor an automation fleet so a wrong run is visible in minutes, and run an automation incident through containment, notification analysis, rollback, correction, and root cause.

Prompt Injection and Tool Abuse in Agentic Workflows 60 min
Logging, Tracing, and Monitoring an Automation Fleet 50 min
Automation Incident Response and Rollback 55 min

Module 05

Return on Investment and the Implementation Programme

Measure automation value honestly against a baseline that includes licensed review time and remediation cost, manage a portfolio of automations through their lifecycle with retirement as a normal outcome, and run an implementation from pilot to production with stop criteria written in advance.

Measuring Automation Return on Investment Honestly 50 min
The Automation Portfolio and Lifecycle Management 45 min
Running the Implementation Project from Pilot to Production 50 min

Assessment

Level 5 Final Examination: AI Insurance Agency Automation Specialist

Questions: 19
Time limit: 90 minutes
Passing score: 80%
Attempts: 3

Questions are drawn at random from a reviewed bank. Every module also has a knowledge check.

Capstone project

Capstone: Agency Automation Implementation Package

Complete automation charter with operation-level permission scope, counted blast radius, derived stop conditions, and an honest rollback and correction section.
Integration and data design: four-section API reading, ten-field data map with authority, idempotency keys, reconciliation design, and an inventory of every new storage location.
Approval and access design: reviewer screen, button set and reason codes, role matrix with enforcement, gate health measures, and full service account specification including retirement.
Security plan with threat model, channel separation wording, tool argument validation and allow-lists, caps, and a red-team set of at least eight fictional injection documents with expected outcomes.
Monitoring and incident package: trace specification, fleet metrics with charter-derived thresholds, security signals, log retention and access, incident runbook with tested kill switch and state notification templates, and one worked tabletop incident.
Measurement package: dated baseline method and results, full cost model including licensed review time, measured benefit, a claim classification table, and a residual risk paragraph.
Implementation plan: five stages with exit conditions, fictional-data test set with failure injections, pilot design, six or more stop criteria with the named decider, staged rollout, written handover contents, and the plain-language staff message.

Reviewed by a person against a published rubric. Passing score 80%.

Completion and certificate

Complete every published lesson in all five modules.
Pass each module knowledge check with a score of 80 percent or higher.
Submit the capstone automation implementation package and receive a passing rubric score from a reviewer.
Pass the Level 5 final examination with a score of 80 percent or higher within the allowed attempts.
Acknowledge the academic-integrity statement before each examination attempt.

On completion you receive the certificate AI Insurance Agency Automation Specialist (Level 5 of 6) with a unique number, a QR code, and a public verification page.

Frequently asked questions

Do I need to be able to write code?: No. The course teaches the design, control, and operational decisions that determine whether an automation is safe, and those are the same whether the build is done in a no-code platform, a vendor workflow tool, or custom software. You will read API documentation and data mappings, but you will not be asked to write a program.
How is Level 5 different from Level 3 automation?: Level 3 automates a task inside a workflow you control end to end. Level 5 connects AI to the systems of record, gives it tools that write, and takes responsibility for what happens when it acts wrongly at scale. The subject matter is agents, integrations, access control, security, monitoring, and incident response.
Is Level 5 required to hold the master credential?: No. The master credential is Level 4. Level 5 is a specialist track for people who build and run automations, and Level 6 is the instructor track. You may take them in either order once Level 4 is complete.
What is the capstone?: A complete automation implementation package for a fictional organisation: an automation charter, an integration and data map, an approval and access design, a security and monitoring plan, an incident runbook, a return-on-investment model with a baseline, and a pilot-to-production plan with stop criteria. A reviewer scores it against a published rubric.
What does the certificate mean?: It is an independent educational certificate issued by AI Coalition Network with a public verification page. It records that you completed the automation specialist track. It is not an insurance licence, a carrier appointment, a security certification, or a regulatory approval, and it does not replace professional judgment or legal obligations.

Sources consulted

Primary sources that shaped this level. Each is labelled by what kind of authority it is; consult the original for the current text.

ACORD (Association for Cooperative Operations Research and Development) — ACORD Data Standards Recommended practice · accessed Sep 3, 2026
AI Coalition Network — Certification Educational Standard: Human Review of AI-Assisted Professional Work AI Coalition Network educational standard · accessed Sep 14, 2026
Cybersecurity and Infrastructure Security Agency, National Security Agency, Federal Bureau of Investigation, and international partners — AI Data Security: Best Practices for Securing Data Used to Train and Operate AI Systems Industry guidance · published May 22, 2025 · accessed Sep 3, 2026
Federal Trade Commission — FTC Safeguards Rule: What Your Business Needs to Know (16 CFR Part 314) Industry guidance · accessed Sep 3, 2026
Federal Trade Commission — Gramm-Leach-Bliley Act: Privacy of Consumer Financial Information Legal requirement · accessed Sep 3, 2026
MITRE Corporation — MITRE ATLAS: Adversarial Threat Landscape for Artificial-Intelligence Systems Standard or framework · accessed Sep 14, 2026
National Association of Insurance Commissioners (NAIC) — Principles on Artificial Intelligence Industry guidance · published Aug 14, 2020 · accessed Sep 3, 2026
National Association of Insurance Commissioners (NAIC) — Model Bulletin: Use of Artificial Intelligence Systems by Insurers Industry guidance · published Dec 4, 2023 · accessed Sep 3, 2026
National Association of Insurance Commissioners (NAIC) — Unfair Trade Practices Act (Model #880) Professional rule · accessed Sep 3, 2026
National Association of Insurance Commissioners (NAIC) — Insurance Data Security Model Law (Model #668) Professional rule · published Oct 24, 2017 · accessed Sep 3, 2026
National Association of Insurance Commissioners (NAIC) — Artificial Intelligence (Center for Insurance Policy and Research topic page) Industry guidance · accessed Sep 3, 2026
National Institute of Standards and Technology — Artificial Intelligence Risk Management Framework (AI RMF 1.0), NIST AI 100-1 Standard or framework · published Jan 26, 2023 · accessed Sep 14, 2026
National Institute of Standards and Technology — Artificial Intelligence Risk Management Framework: Generative Artificial Intelligence Profile, NIST AI 600-1 Standard or framework · published Jul 26, 2024 · accessed Sep 14, 2026
National Institute of Standards and Technology — NIST Special Publication 800-207: Zero Trust Architecture Standard or framework · published Aug 11, 2020 · accessed Sep 3, 2026
National Institute of Standards and Technology — Incident Response Recommendations and Considerations for Cybersecurity Risk Management: A CSF 2.0 Community Profile, NIST SP 800-61 Rev. 3 Standard or framework · accessed Sep 3, 2026
National Security Agency AI Security Center, Cybersecurity and Infrastructure Security Agency, Federal Bureau of Investigation, and international partners — Joint Guidance: Deploying AI Systems Securely Industry guidance · published Apr 15, 2024 · accessed Sep 3, 2026
New York State Department of Financial Services — 23 NYCRR Part 500: Cybersecurity Requirements for Financial Services Companies (Second Amendment) Regulation · published Nov 1, 2023 · accessed Sep 3, 2026
New York State Department of Financial Services — Industry Letter: Cybersecurity Risks Arising from Artificial Intelligence and Strategies to Combat Related Risks Industry guidance · published Oct 16, 2024 · accessed Sep 3, 2026
OWASP Foundation — OWASP Top 10 for LLM Applications 2025 Standard or framework · published Nov 18, 2024 · accessed Sep 14, 2026
OWASP GenAI Security Project (OWASP Agentic Security Initiative) — Agentic AI – Threats and Mitigations Standard or framework · published Feb 17, 2025 · accessed Sep 3, 2026

Who it is for

Agency operations leaders, automation and systems administrators, agency management system owners, MGA and program administrator operations staff, brokerage technology managers, and consultants who will design, build, secure, or approve AI automations inside insurance organisations. Learners must have completed Level 4 or hold equivalent governance and workflow experience.

Prerequisites

Level 4, Master AI Insurance Agent Certification, must be completed first. Level 5 assumes you can tier a use, write an SOP, run a vendor assessment, and read a bulletin without instruction. No programming background is required, but you must be willing to read an API document carefully. An administrator may record a documented waiver for a learner with equivalent prior training.

Program roadmap

L1 · AI Foundations for Insurance Professionals Available
L2 · Certified AI Insurance Professional Available
L3 · Advanced AI Insurance Operations Available
L4 · Master AI Insurance Agent Certification (MAIAC) Available
L5 · AI Insurance Agency Automation Specialist Available
L6 · Certified AI Insurance Instructor Available

Review cycle

Curriculum version 2026.3. Last reviewed Sep 3, 2026. Next review scheduled Sep 3, 2027.

Independent professional education

MAIAC is an independent professional education program. It is not an insurance license, does not replace state licensing requirements, and is not endorsed by any carrier, insurance department, or regulator. No regulatory education hours or approvals are claimed.