Korint is an insurance platform that builds artificial intelligence natively into a single core system, to automate underwriting and claims management for insurers, wholesale brokers and delegated brokers in France and across Europe.
Artificial intelligence in insurance is no longer an experiment. P&C leadership, transformation teams and IT departments now want to industrialise its uses: reading a document, qualifying a risk, opening a claim file, spotting an anomaly. The question is no longer whether AI can help, but where it should live in the information system to deliver a real, measurable gain.
This article explains why where AI sits matters as much as what it can do, and how Korint connects it to the heart of insurance operations, both inside its own platform and on top of the management system already in place.
Why AI has to be connected to business data
AI that is cut off from policies, claims and business rules produces outputs that then have to be re-keyed, checked and reconciled. It is the most common pattern in the digital transformation of insurance: a document extraction tool here, a fraud detection module there, each isolated with its own data.
The promised gain then leaks away into file transfers, exports and tickets to the data team. The AI only sees part of the file: it knows nothing of the policy, the customer’s history or the delegation rules that apply.
To have a lasting effect, AI needs access to business data and has to act where policy and claims operations actually run. Korint makes that possible in two ways: natively in its platform, or by plugging into the existing management system of an insurer, an MGA or a broker.
Korint, an insurance platform with AI at the core of the system
Korint brings portfolio management, pricing, underwriting, claims management and distribution together in one core system. AI agents work directly on the data and the operations, with no separate tool and no side interface.
The platform is modular: an insurer or an MGA can adopt it as a whole or start with a single module. AI follows the same logic. It can be switched on building block by building block, according to priorities, and it works inside the Korint platform as well as on the management system already in place, with no rebuild.
| Korint AI building block | What it does |
|---|---|
| Agentic Engine | Reads, classifies and extracts data from incoming documents to prefill policy and claims operations |
| Korint Companion | Lets you query the portfolio in natural language and run management tasks in batches |
| MCP Connector | Connects the insurer’s own AI agents and tools to the business data and actions authorised in Korint |
Because these building blocks share the same data model as the rest of the platform, whatever the AI reads or decides can be used straight away by workflows, operations teams and reporting. To date, Korint reports more than 150,000 documents processed and more than 50 agents deployed (source).
Automated underwriting: less re-keying, more time for risk analysis
In Korint, AI takes on the repetitive underwriting tasks so that underwriters can focus on the decision. The result is a 45% productivity gain in underwriting with the Korint modules.
- Reading documents: the documents sent by the broker or the policyholder are classified by type, their key data extracted and the file’s fields prefilled. No field is re-keyed.
- Completeness checks: AI flags missing or inconsistent documents before the file reaches the underwriter.
- Quotes and endorsements: they are prepared from the data already in the policy and from the rating engine’s rules.
- Portfolio steering: in natural language, a handler can list the latest signed policies, compare quotes or find the policies due for renewal, with no report to build and no export.
For an MGA or a delegated broker, this automated underwriting extends all the way to the distribution network, through underwriting journeys and a broker extranet connected to the same core system.
AI-powered claims management: from notification to settlement
AI-powered claims management in Korint covers the whole cycle, from notification to settlement, in a single tool that can be used on its own or with the full Korint suite (source).
- AI-boosted FNOL: smart form, predictive input and immediate consistency checks. AI reads the documents submitted (accident report, invoice, photo, loss adjuster’s report) and prefills the file.
- Automatic handling workflow: assignments, reminders and document requests are triggered by claim type, product or partner.
- Built-in fraud detection: every document is analysed (retouched photos, altered invoices, metadata anomalies, AI-generated documents), then the signals are combined into a score per claim. Above the threshold set by the insurer, a verification task is created.
- Settlement and steering: statuses, lead times, payments, bordereaux and KPIs are tracked in one place, including for files delegated to TPAs or loss adjusters.
The expected result is twofold: a productivity gain for claims teams and a better experience for the policyholder, who gets a faster answer from the moment they file.
Who it is for: P&C insurers, wholesale brokers and delegated brokers in Europe
Korint is built for the players who design, distribute and manage insurance products, in France and elsewhere in Europe. The platform covers P&C as well as individual health insurance.
| Profile | What AI changes day to day |
|---|---|
| P&C insurers | AI that runs on a single, scalable, interconnected core system rather than a patchwork of tools |
| Wholesale brokers | Underwriting and claims processes automated from a product’s launch, with no in-house technical dependency |
| Delegated brokers | Prefilled files, automatic reminders and a consolidated view of the portfolio and the network |
In every case, AI works within the delegation rules and the business processes specific to each organisation, configured in the platform.
Reliable, governed AI under human control
In Korint, AI prepares, checks and flags; teams keep the final say. A fraud score above the threshold triggers a review, not an automatic rejection.
This approach meets the growing expectations of the European market. The EU AI Act notably classifies risk assessment and pricing in life and health insurance as high-risk uses, and the GDPR governs the processing of policyholders’ personal data. We cover that framework in AI in insurance: regulation is no longer the obstacle.
Because the AI operates inside the core system, that governance is easier: every action is tied to a file, a user and a history. Agents connected through the MCP Connector only reach the business data and actions that have been explicitly authorised.
Conclusion
Artificial intelligence in insurance delivers when it works where policies, claims and business rules live. By building it natively into a single core system, Korint lets P&C insurers, MGAs and delegated brokers automate underwriting and claims management without multiplying tools.
Want to see how Korint’s AI would apply to your products and processes? Book a demo.
Further reading
- AI-native platform for insurance brokers
- Insurance and AI: why tech foundations matter
- How to choose your claims management software
- How to evaluate an insurance platform for wholesale brokers and insurers