Home · Industries · Insurance
Industries · Insurance

Defensible AI for underwriting and claims.

When AI prices a policy or decides a claim, the outcome affects someone's livelihood and invites scrutiny from regulators, ombudsmen, and courts. AskLedger seals each decision into verifiable evidence, so you can show exactly what your model did and why.

The stakes

Fairness and accuracy have to be provable, not just intended.

Insurance conduct regulators increasingly expect insurers to demonstrate that automated decisions are fair, explainable, and consistent. But when a declined claim or a surprising premium is challenged months later, most insurers can't reconstruct the exact inputs and model behind it.

The same receipt AskLedger signs to prove your AI savings records each underwriting and claims decision as a signed, tamper-evident receipt, provable long after the model has moved on.

Use cases

See it end to end.

ClaimsAn AI-assisted claim denial is challenged
Workflow
1
Model recommends denialclaim assessed against policy & data
2
Receipt seals the assessmentinputs, output & model version recorded
3
Policyholder appealsescalates to the regulator/ombudsman
4
Decision substantiatedverified independently, appeal resolved
  • The moment it matters

    An ombudsman asks the insurer to justify the denial with evidence, not narrative.

  • Without proof

    The assessment can't be reconstructed; the insurer settles to avoid the fight.

  • What the receipt proves

    Exactly what the model assessed and produced, a defensible basis for the decision.

UnderwritingA pricing model is audited for fairness
Workflow
1
Model prices a policypremium set from applicant features
2
Receipt seals the basisoutput, model version & a hash of the inputs
3
Fairness audit beginsregulator reviews a sample of decisions
4
Consistency demonstratedevidence produced across the sample
  • The moment it matters

    A conduct regulator samples pricing decisions and asks for the basis of each.

  • Without proof

    Only aggregate metrics exist; individual decisions can't be substantiated.

  • What the receipt proves

    A per-decision, tamper-evident record, turning a fairness audit into a document request.

Regulatory pressure

Aligned to insurance conduct and AI rules.

See full regulatory coverage →

Turn a fairness audit into a document request.

Talk to us about evidencing your underwriting and claims models.