The full catalog

Every workflow an insurer runs, in the order the company grows: the policy core first, then what feeds it, then what accounts for it, all on one foundation.

1 The policy core

Where a policy is written, kept, and kept lawful. The three products start here.

Underwriting & New Business

Should we take this risk, and on what terms? Value chain, starting with AiNOS Bind.

Workflow	Today	AI-native
Submission intake	Applications, broker submissions and medical records arrive in mixed formats and are read and re-keyed by hand.	Every document is read and structured on arrival, with the missing facts listed before an underwriter opens the case.
Risk assessmentAiNOS Bind starts here	The underwriter assembles evidence from several systems and applies guidelines from memory and manuals.	An evidence-linked case workspace applies the approved guidelines, cites every material fact and surfaces conflicts, so the underwriter spends time on judgment.
Disclosure verification	Declared facts are taken at face value unless something looks wrong.	Declared facts are checked against available records, and discrepancies are shown with their source.
Referral and exception	Cases are referred up or to reinsurers with a note, and the reason is reconstructed later if asked.	Each referral carries the rule that triggered it and the evidence behind it, so the reviewer starts from the decision point.
Issuance QA	Contract wording and endorsements are checked by sampling after issue.	Every contract is checked against the approved terms and the underwriting decision before it is issued.
Guideline management	Rulebooks live in documents, are updated by committee and are applied differently by different underwriters.	Guidelines are versioned, testable logic. A change is tested against past cases before it is approved.

Policy Servicing & In-force

Will the policy stay, and are we serving it right? Value chain, starting with AiNOS Keep.

Workflow	Today	AI-native
Customer inquiries	Contact centre answers depend on which agent picks up and which screen they have open.	Answers are grounded in that customer's policy, its history and the rules that apply, with the source shown to the agent.
Policy transactions and notices	Changes, loans, surrenders and reinstatements are processed against rules the processor has to remember, including legally required notices.	Each transaction is checked against the contract and the notice obligations in force that day, and the notice is produced with the transaction.
Collection and lapse	Arrears are worked from a list, in order, after the grace period has started.	Lapse risk is scored as arrears begin, with the likely reason, so the outreach is specific and early.
Persistency and retentionAiNOS Keep starts here	Persistency is reported by cohort and channel. Deterioration is explained after the fact, and interventions are chosen by rule of thumb.	Deterioration is explained at the level of policy, agent and product, and candidate interventions are prioritized for a retention team to evaluate.
Customer lifetime value	Cross-sell is driven by campaigns rather than by what changed in the customer's life.	Changes in a customer's needs are detected from their own events, and any offer is checked for suitability before it is made.

Risk, Compliance & Governance

Are we doing what the law and our own rules say, and can we show it? Control, starting with AiNOS Guard.

Workflow	Today	AI-native
Regulatory change	Law and regulation changes are tracked in circulars and mapped to internal rules by hand.	Every version of every applicable law is kept, and a change is mapped to the internal rules and workflows it affects.
Internal rules and accountability map	Company rules drift from the law, and executive accountability maps are documents rather than something checked.	Internal rules are compiled against the law they implement, and each executive's duties are tracked against the controls that evidence them.
Sales conduct surveillanceAiNOS Guard starts here	Misconduct is found by sampling, complaints and regulator examinations, usually years after the sale.	Every contract and every agent is reviewed continuously against the rule in force at the time of sale, with each flag citing the clause and the evidence.
Advertising and material pre-review	Sales materials queue for a compliance reviewer and are checked against a checklist.	Materials are checked against the disclosure rules with each issue tied to the rule, and the reviewer decides.
Financial crime	Anti-money-laundering and sanctions alerts are high volume and low precision, and cases are built by hand.	Alerts arrive as cases with the linked evidence, and the analyst disposes of them with a recorded reason.
Complaints and consumer protection	Complaints are resolved one at a time and root causes are analysed quarterly, if at all.	Root causes are found across complaints as they arrive, and linked to the product, agent or process behind them.
Enterprise and model risk	Risk registers and model inventories are maintained in spreadsheets and reviewed on a cycle.	Operational and model risks are monitored from the systems that produce them, and the register updates from evidence.
Examination and reporting	A regulator's request triggers weeks of evidence gathering across departments.	The evidence packet for a request is assembled from the record, with each item traceable to its source and the rule it answers.
Internal audit	Audit tests a sample and extrapolates.	Audit tests the whole population continuously and spends its time on what the tests surface.
Third-party oversight	Outsourcing and agency partners are assessed annually by questionnaire.	Partner risk is assessed from their actual conduct, persistency and complaint record, continuously.

2 What feeds it

The product a policy comes from, the channel that sells it, and the claim that tests it.

Distribution & Sales

Who sells it, and is it sold right the first time? Value chain.

Workflow	Today	AI-native
Channel and partner management	Agency and partner performance is reviewed on volume, with operating risk and commission policy looked at separately or not at all.	Each channel partner has a live operating-risk and commission-policy profile built from its own contracts, persistency and complaint history.
Agent lifecycle	Appointment, licensing, training and termination checks run on paper and are hard to reconstruct later.	Every appointment, licence and termination decision carries its evidence, and gaps are flagged before the agent sells.
Needs analysis and proposal	Suitability depends on the individual agent's judgment and the product they know best.	Customer facts are matched to suitable products, with the reasons shown, so the agent recommends from the whole shelf.
Point-of-sale suitability	Replacement, comparison-notice and disclosure duties are checked after the sale, by sampling.	The duties are checked before the sale closes, against the customer's existing contracts and the rule in force that day.
Agent knowledge and support	Product and rule questions go to a help desk or to whoever the agent trusts.	Agents get answers that cite the product document or rule they came from, and the answer stays current as the documents change.
Incentive and compensation	Commission schemes are modelled once a year and their side effects on persistency and conduct show up later.	Commission and clawback scenarios are simulated against the actual book before a scheme changes.

Product & Pricing

What should we sell, and at what price? Value chain.

Workflow	Today	AI-native
Market and competitor sensing	Planners read competitor disclosures by hand and notice changes late, if at all.	Every competitor disclosure is diffed continuously, and each change is shown with the before and after wording and a view on what it means for our book.
Product design and basis documents	Terms, riders and policy wording are drafted in parallel and checked for consistency at the end, when it is expensive to fix.	Product rules are compiled into one structure, so wording, rider logic and basis documents are checked against each other as they are written.
Pricing and profit testing	Assumptions are set in spreadsheets with the supporting experience study attached somewhere else.	Every pricing assumption links to the experience evidence behind it, and a change in either is visible to the other.
Filing and regulatory approval	Filing packets are assembled by hand and regulator questions are answered from memory of past filings.	The packet is assembled against the current requirement corpus, and each regulator question is answered with the filing history and the rule it relates to.
Launch monitoring	Early sales mix and early experience are reviewed quarterly, after anti-selection has already happened.	Sales mix, early claims and early lapses are compared with the pricing assumptions from the first week, with the deviation explained.

Claims

Is this covered, how much, and is it genuine? Value chain.

Workflow	Today	AI-native
Intake and triage	Claims arrive with missing documents and are routed by queue, not by severity or complexity.	Completeness, severity and complexity are assessed on arrival, and the claim is routed with its missing-document list.
Coverage adjudication	The adjuster reads the policy, the claim file and the medical evidence separately and writes up the decision.	Claim facts are set against the policy terms in a cited decision brief, with the clauses, the evidence and the open questions in one place.
Fraud and investigation	Fraud is detected by rules and referred to investigators who rebuild the pattern by hand.	Patterns across claims, providers and agents are surfaced with the evidence that links them, and the investigator directs the inquiry.
Settlement and reserving	Payment accuracy, delay interest and case reserves are checked by sampling after the fact.	Every payment is checked against the decision and the contract, delay interest is computed from the record, and the case reserve updates with the file.
Disputes and appeals	Appeals, mediation and litigation responses are drafted from scratch each time.	The response is drafted from the claim file, the policy and prior comparable decisions, for a claims lawyer to finish.
Recovery	Subrogation and salvage opportunities are found when an adjuster happens to notice them.	Recovery opportunities are identified from the claim facts and tracked to closure.

3 What accounts for it

Where every policy becomes a number the company has to stand behind.

Actuarial, Finance & Capital

Did the numbers do what we intended, and can we prove it? Balance sheet.

Workflow	Today	AI-native
Experience studies and assumptions	Studies are run periodically and assumption changes are justified in a memo.	Each assumption carries a live trail to the experience behind it, and a change in experience shows which assumptions it touches.
Valuation and reserving	Movement analysis is produced after the close, and the explanation lives in an analyst's head.	Movements are explained step by step with the inputs that drove them, in a form an auditor can follow.
Capital and solvency	Capital scenarios are run on request and the narrative is written separately.	Scenarios and stress narratives are produced together, with the drivers of each capital movement shown.
Asset-liability management and hedging	Hedge effectiveness is reviewed at period end, and attribution is argued over.	Hedge results are attributed daily to the intended drivers, so the question is answered: did the hedge do what we meant it to?
Investments	Credit events and limit breaches are caught by periodic review.	Credit, concentration and limit monitoring runs continuously across the asset side with the evidence for each alert.
Reinsurance	Treaty structures are optimized at renewal and recoverables are reconciled by hand.	Treaty options are tested against the actual book, and recoverables are tracked claim by claim.
Planning and management reporting	KPIs are defined differently across teams, and an executive question takes a week of analyst time.	KPI definitions are compiled once and governed, and an executive question is answered from the governed data with its sources.

AI-ready data foundation

Can the company read its own data, and can an AI act on it safely? Built as AiNOS One, by way of AiNOS Decode. How One works

Workflow	Today	AI-native
Legacy data meaning recovery	Mainframe and legacy fields are understood by a few people, documented nowhere, and migrated by guesswork.	Field meaning is recovered from code, data patterns and expert interviews, with each recovered meaning tied to its evidence and a confidence level.
Insurance ontology	Each system has its own notion of policy, customer, agent, coverage and event, and reconciliation happens in spreadsheets.	One compiled model of the business: policies, parties, coverages, rules, events and decisions, with every instance resolved across systems and traced to its source row.
Versioned rules and law	Laws, regulations, internal rules and guidelines are documents in folders, and the version in force on a given date is reconstructed by hand.	Every source is captured from its original, compiled into controlling states and frozen per version, so any rule can be resolved as of any date.
Evidence linking	A number in a report cannot be traced to the row and the document that produced it without an analyst's week.	Every fact, flag and recommendation carries a link to the data row, the document page or the clause it came from.
Migration validation	Old and new systems are reconciled on totals, and the exceptions are negotiated at go-live.	Old and new are reconciled record by record, with each difference explained and classified before anyone signs off.
Institutional knowledge capture	Manuals, contracts and the judgment of experienced staff are scattered, outdated or about to walk out the door.	Manuals and contracts are compiled into queryable knowledge, and expert judgment is captured as rules and worked cases that can be tested.
AI governance	AI pilots run without a shared standard for what the model may see, do and claim, and nobody can audit a decision later.	Every AI workflow runs under the same controls: eligible evidence, applicable rules, allowed tools, validated outputs and human authorization, with a trace of each run.

How the catalog stays clean

Each workflow has exactly one home. These rules decide it.

The first line does the work. The second line watches it.: Selling a policy belongs to Distribution. Reviewing how it was sold belongs to Risk, Compliance & Governance.
Fraud lives in four places on purpose.: Misrepresentation at application sits in Underwriting. Claims fraud sits in Claims. Sales misconduct and financial crime sit in Compliance.
Complaints split by what they are about.: Service inquiries sit in In-force. Claim disputes sit in Claims. Conduct complaints sit in Compliance.
Pricing is Product. Valuation is Finance.: Both are actuarial work, but they serve different decisions and different owners.
Facultative referral is Underwriting. Treaty design is Finance.: One is a decision about a risk. The other is a decision about the balance sheet.
Data, technology and operations are drawn as the foundation.: The eighth domain is what the other seven stand on, so it is drawn under them rather than beside them.