Insurance regulators diverge by jurisdiction
Agentic insurance faces different insurance-distribution, pricing, AI governance, consumer data, advice and product conduct obligations across markets.
Executive question
Which agents/actions are legally permitted in each country or state?
What to measure
- Regulatory applicability matrix
- Licensed intermediary mapping
- Documented disclosure controls
- Regulatory change backlog
Relevant products and standards
ACORD's insurance data standards, including P&C (XML, AL3) and Global Reinsurance & Large Commercial (XML, JSON), covering placing, policy, claims and settlement data.
A working draft, stewarded by Marrow, for how AI agents quote, compare and buy UK regulated insurance, with rules on consent, disclosures, data use and audit.
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Strategic pathway; not an observed market-wide adoption rate.
Draft analysis, under editorial review.