Insurance-specific consent/quote/bind protocol convergence
New AMI drafts add insurance-specific regulated sales context above generic agent and commerce protocols; adoption is uncertain.
Executive question
Will insurers have to integrate different agent platforms independently?
What to measure
- Protocol feature coverage
- Regulated-field completeness
- Carrier API integration cost
- Confirmed interoperable counterparties
Relevant products and standards
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.
Agent Payments Protocol: signed mandates that prove a customer authorized an agent's purchase. Created by Google (Sep 2025); donated to the FIDO Alliance with v0.2 on 28 Apr 2026.
Lets AI agents get insurance quotes and hand the purchase back to the insurer with the required disclosures. Production use is Marrow's own claim. Marrow also stewards the AMI draft standard.
Personal Agent Protocol: a draft (v0.1) for a customer's personal agent to identify itself to a business, get consent and open a session. Announced by Sierra and Meta on 6 Oct 2026 with six named partners; the 9 Oct draft lists seven initial partners and 35 design partners.
Universal Commerce Protocol: an open standard for agents to transact with businesses, from catalog to checkout and orders. Started in retail; lodging and food specs are in development.
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.