Industry · Insurance

AI messaging governance for carriers, MGAs, and brokers

State-by-state disclosure and unfair-claims rules enforced on every AI-generated quote, claim, and policy communication.

50

state insurance departments, each with their own AI bulletin or model law in progress

NAIC

Model 882

NAIC Model Bulletin on the Use of AI by Insurers - now adopted in 20+ states

NAIC, 2024

UDAP

unfair and deceptive practices statutes apply to every AI-generated customer interaction

State insurance code

The governance gap

Fifty states. One AI template. That math doesn't work.

Required language for cancellations, non-renewals, and claim denials varies by state - and unfair-claims-practice statutes apply to every customer touchpoint. A generic AI template is wrong in almost every jurisdiction.

Message.inc injects the correct state-specific disclosures and screens AI drafts for UDAP and NAIC Model 882 risk before any letter, quote, or claim communication goes out.

1

Unfair claims practice exposure

AI-drafted claim denials, settlement letters, and status updates can cross UDAP lines instantly - and across 50 jurisdictions at once.

2

Disclosure variance by state

Required language for cancellations, non-renewals, and adverse decisions varies by state. AI defaults to a generic template that's wrong almost everywhere.

3

Underwriting and rating bias

Generative explanations of rating decisions can imply prohibited factors. NAIC Model 882 expects insurers to govern this end-to-end.

4

Producer communications

Agent-facing AI tools generate quotes, comparisons, and prospect emails that the carrier is ultimately accountable for.

Pre-built policy pack

Insurance-grade policies for every AI draft

Pre-mapped to NAIC Model 882, state UDAP statutes, and Colorado SB21-169. Configure once and enforce everywhere your AI touches a policyholder.

  • UDAP-01
    Unfair practice language screen
    Claims and adverse-decision communications are checked against UDAP language patterns before send.
  • STATE-01
    State-specific disclosure inserter
    Required cancellation, non-renewal, and rating disclosures are auto-inserted based on the policyholder's state.
  • UW-01
    Underwriting rationale guardrails
    AI-generated underwriting explanations are checked for prohibited factors and unsupported correlations.
  • NAIC-882
    AI Model Bulletin alignment
    Every AI use case is mapped to NAIC Model 882 governance categories with documented controls.

Where Message.inc sits

Where Message.inc enforces insurance rules

Claims correspondence and adjuster notes
Underwriting decision letters
Quote and binder emails
Producer marketing and recruiting
Member service chat and IVR scripts

Get NAIC-aligned before your state adopts Model 882

Twenty-plus state insurance departments have already adopted the NAIC AI Model Bulletin. Stand up the governance layer before your domiciliary state issues its examination request.

We're onboarding a small cohort of insurance early adopters. Get early access and we'll reach out within a few days.

Early access

No credit card. Enterprise-ready terms.

Sources & further reading