Production-grade AI Agents with Compliance-in-the-Loop

Perpendo builds insurance-native agents across underwriting, claims, policy servicing, and reinsurance operations—embedded with governance controls aligned to regulated environments.
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Agent KPI Trajectory *

We publish measured outcomes quarter by quarter — cycle time compression, higher straight-through processing, and stronger controls.

Cycle Time

3 days

75% vs baseline

STP Rate

90%

125% vs baseline

Decision Accuracy

95%

10% vs baseline

Compliance

98%

7% vs baseline

* illustrative figures

KPI Trajectory Dashboard (Cycle Time + STP)
Two signals, one story: cycle time falls as STP climbs—while controls stay on.

Q2

  • cycleDays : 9
  • handoffs : 5
  • stp : 60
  • stpHigh : 70
  • stpLow : 50
  • cycleDays
  • handoffs
  • stp
  • stpHigh
  • stpLow
Q1Q2Q3Q404812140255075100

Agent KPI Trajectory

From shadow-mode to supervised automation — measurable impact every quarter. AI agents cut cycle times while boosting STP rates towards increased productivity for insurance carriers. 

 

Each quarter of supervised learning compounds performance faster decisions, higher accuracy, and built-in compliance.

Fewer handoffs. Smarter workflows. Measurable intelligence.
Agent KPI Trajectory - Interactive
12 69 3 0 Cycle Time (days) 100 75 50 25 0 STP Rate (%) Q1 Q2 Q3 Q4 Cycle Time STP Rate
Q3 - STP Rate
80%

Agent Intelligence Matrix

Insurance-native agents mapped across every value chain.

Perpendo AI delivers a connected ecosystem of domain-specific agents — spanning P&C, Life & Annuities, Specialty, and Reinsurance — each built to optimize distinct business functions while driving measurable KPI improvement. 

 

From submission intake and underwriting triage to claims recovery, compliance explainability, and capital efficiency, every agent operates within an audit-ready, governance-first framework. Together, they orchestrate end-to-end intelligence — uniting data, reasoning, and regulatory assurance.

Outcomes: accelerated cycle times, improved STP, reduced LAE, and higher confidence in every decision.

A → B → V: Agents + Business = Value.

Agents Table
A — Agents B — P&C B — L&A B — Specialty B — Reinsurance V — Value (KPIs)
Intake & Onboarding Agents
Submission, Producer, Slip, eApp
Submission Intake
Onboarding
Broker Intake
Treaty Intake
 Cycle Time ▲
First-Pass ▲
NIGO ▼
Underwriting & Pricing Agents
Triage, Audit, Suitability, CAT Prep
Quote & Audit
UW Copilot
Coverage & CAT
Cession Alloc
 Hit Ratio ▲
Referral ▼
Rate Adequacy ▲
Policy Servicing Agents
Endorsements, Loans, Bordereaux Ops
Policy Servicing
Policy Service
Bordereaux Ops
Settlement Ops
 SLA >95% ▲
Rework ▼
CX/NPS ▲
Claims & Recovery Agents
FNOL Litigation, SIU, Recoveries
FNOL / SIU
Intake & Contest
Litigation & Fraud
Recoveries
 Cycle ▼
LAE ▼
Fraud Precision ▲
Recovery ▲
Compliance & Audit Agents
Sanctions, Explainability, Governance
Explainability
Compliance
Sanctions/Wording
Governance
 Explainability ▲
Findings ▼
Sanctions Pass ▲
Portfolio & Capital Agents
Exposure, Profitability, Capital
CAT / Reinsurance
Closed Block
Portfolio
Capital Eff.
 PML/TvAR ▲
Profitability ▲
Capital Efficiency ▲

Agent Catalog

Insurance-native agents mapped across every value chain.

Perpendo AI delivers a connected ecosystem of domain-specific agents — spanning P&C, Life & Annuities, Specialty, and Reinsurance — each built to optimize distinct business functions while driving measurable KPI improvement. 

Agent Dashboard

Submission Intake Agent

Underwriting Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Risk Triage Agent

Underwriting Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Straight-Through Quote Agent

Underwriting Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

FNOL + Document Agent

Claims Shadow → Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

eApp Intake & Onboarding Agent (L&A)

Underwriting Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Life UW Triage Agent (L&A)

Underwriting Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Requirements & Ordering Agent (L&A)

Underwriting Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Policy Servicing Agent (L&A)

Underwriting Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Claims Intake & Contestability Agent (L&A)

Claims Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Broker Submission Readiness Agent

Underwriting Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Broker Quote Comparison & Placement Agent

Underwriting Supervised Risk: Medium
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

MGA Program Compliance Agent

Underwriting Supervised Risk: High
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Broker Endorsement & Service Intake Agent

Underwriting Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes

Broker Claims First Notice Agent

Claims Supervised Risk: Low
KPI impact
STP ↑
Cycle Time ↓
Signals
Guardrails
Outcomes
Agent Detail

Expected KPI impact

STP ↑ Cycle Time ↓

Signals consumed

Guardrails & controls

Outputs delivered to the workbench

    Why Perpendo AI

    Insurance-Native DNA

    Built by domain experts across P&C, Specialty, L&A, and Reinsurance

    Compliance-First Approach

    Aligning with NAIC, NIST, and EU AI Act principles

    Audit-Ready Outcomes

    Every engagement produces traceable artifacts

    Cross-Functional Expertise

    Combining AI capabilities, deep insurance insights, and operational transformation

    Benchmarked ROI

    Quantified through cycle time, leakage, and STP metrics

    Compliance-Built, Not Compliance-Added

    Stay audit-ready while leveraging cutting-edge AI. Our insurance-native agents are designed for regulated environments — maintaining transparency, data lineage, and explainability at every step.
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