CLEARANCE for insurance
Underwriting, pricing and claims AI sit under specific insurance rules. CLEARANCE checks a live workflow against them, including where AI sits with a coverholder.
Relying on an AI vendor? Send them our free evidence request: US version (NAIC Model Bulletin) or UK version. They answer 12 questions and you both see the same result.
What it checks
United Kingdom
- ICOBS 8.1: claims handling, with a consumer-facing explanation for AI-assisted decisions
- ICOBS 6B: evidence that AI renewal pricing meets the Equivalent New Business Price rule
- PROD 4: product governance where AI shapes design, pricing or target market
- FG21/1 and Consumer Duty: safeguards for vulnerable customers
- Protected-characteristic proxies in underwriting or pricing models
- Managing agent oversight where AI decisioning is delegated to a coverholder or DCA
United States
- NAIC Model Bulletin: a written AIS Program with board accountability
- An inventory of AI systems with degree-of-harm tiering
- Unfair discrimination and proxy testing (including Colorado SB 21-169)
- Third-party AI and data diligence (including NY DFS Circular Letter 2024-7)
- Specific reasons and an inquiry route for adverse decisions
- Human review before AI denies or reduces a claim
Every assessment also runs the core gaps that apply in any sector: no decision boundary, no audit trail, no named accountable owner, and no remediation path. UK assessments add the UK GDPR layer: lawful basis, purpose limitation, retention, data subject rights and processor agreements.
Price
£750 (UK) · $750 (US). One fixed fee for one workflow, one report, no retainer.
What you receive
One report in four parts: executive summary, detailed findings with the obligation behind each, a remediation roadmap, and an evidence appendix with the answers behind every finding.
UK insurance sample report · US insurance sample report
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