AI Copilot

Insurance Expertise, On Demand

See compliance-screened, source-cited answers to insurance questions, grounded in a curated insurance knowledge library.

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TCPA-Oriented Consent Controls

Role-Based Access Controls

GLBA-Oriented Data Controls

AG 49-A-Aware Illustration Screening

Encrypted in Transit and at Rest

Built for Insurance Agents

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Your Insurance AI Copilot

portal.coveragent.ai/ai

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AI AssistantProduct Knowledge + Compliance

Online

What are the key suitability factors for recommending IUL to a 55-year-old client with moderate risk tolerance?

Time HorizonAt 55, the client has approximately 10–12 years to retirement. IUL requires a minimum 10–15 year horizon for meaningful cash value accumulation. This is borderline — evaluate carefully.

Risk ToleranceModerate risk tolerance aligns well with IUL's floor protection (0% minimum) and cap-limited upside. The client won't lose principal in down markets.

Income NeedsIf supplemental retirement income is a goal, IUL's tax-free loan provisions can be advantageous. Compare with Roth IRA contribution limits.

Premium CapacityAt this age, premiums will be higher. Ensure the premium doesn't strain monthly cash flow.

iul_suitability_factors 0.94iul_age_guidelines 0.91

Compliance: Pass

What's the AG 49-A maximum illustrated rate for Pacific Life's PDX product?

Illustrated RateCannot exceed the lesser of the hedge budget or the carrier's AG 49-A Benchmark Index Account rate, which varies by carrier and product.

Loan Rate AssumptionsMust use the AG 49-A safe harbor rates for policy loan illustrations.

Non-Guaranteed ElementsMust be clearly disclosed in all client-facing illustrations and marketing materials.

ag_49a_guidelines 0.96pacific_life_pdx_rates 0.89

Compliance: Pass

Draft a follow-up email to Sarah Mitchell about her IUL illustration review.

Draft Email

To: sarah.mitchell@email.com · Subject: Your IUL Illustration Review — Next Steps

Hi Sarah, Thank you for reviewing the Pacific Life PDX illustration we discussed. I wanted to follow up on a few key points: • Your projected cash value of $145,000 by year 20 (at the illustrated rate shown, which is not guaranteed) • The 0% floor means indexed credits won't be negative in a down year (policy charges still apply) • Potentially tax-advantaged policy loan access beginning in year 10 (please consult your tax advisor) I'd love to schedule a call this week to walk through any remaining questions. Would Thursday at 2:00 PM work? Best regards, Agent Name

This illustration is hypothetical and not a guarantee of future performance. Actual results may vary. Insurance products are offered through [Agency Name], a licensed insurance agency. [License Number].

Compliance: Pass

What Makes This AI Different

Insurance-Grounded RAG

Not ChatGPT with a prompt. Answers are retrieved from a curated insurance knowledge library and the documents your agency uploads, with sources cited.

Compliance Scanning on Every Response

AI answers are screened by the deterministic compliance engine before delivery. Blocking rules stop prohibited language; warn and review outcomes are flagged for human review. Disclaimers are auto-injected.

Source Citations

Answers cite the knowledge records they were retrieved from, so you can check the source. AI can still make mistakes, so verify important details.

Carrier & State Context

Ask about a specific product type or state. The AI retrieves matching material from the knowledge library and your uploaded documents rather than answering generically.

Available Everywhere

Access the AI Copilot from the dashboard, inside the CRM, during coaching sessions, or while reviewing IUL illustrations.

Not Generic AI

This is not a generic chatbot. It is an insurance-focused assistant grounded in curated product knowledge, screened by compliance rules, and designed for agents.

Built-In Protection

AI Responses Are Compliance-Screened

The deterministic compliance engine screens responses before delivery: it auto-injects disclaimers, blocks output that breaks blocking rules, flags borderline output for review, and logs decisions for audit.

portal.coveragent.ai/compliance

All systems live

Scanned Today

Flagged

Blocked

Pending Review

TCPAHIPAAGLBAAG 49-ASuitabilityMarketing Claims

Review Queue

Campaign: "IUL Guaranteed Returns"BLOCKED

"guaranteed" language detected | Marketing Claims

Marcus D.10 min ago

AI Response: "Best annuity rates"FLAGGED

Unqualified superlative | Suitability

AI System25 min ago

SMS to David KimPASSED

TCPA verified, consent on file | TCPA

Sarah L.1 hr ago

Email campaign batch #46PASSED

Disclaimer injected (CA, IUL) | Disclaimer

System2 hrs ago

IUL Report: Pacific LifePASSED

AG 49-A attestation captured | AG 49-A

Jennifer R.3 hrs ago

Audit Trail

2:34 PMAI Response scanPassSarah L.Chat

2:31 PMCampaign disclaimer injectionPassSystemEmail

2:28 PMAI Response flagWarnMarcus D.Chat

2:25 PMIUL Report validationPassJennifer R.Report

Explore More

Compliance Engine

Watch the deterministic compliance engine scan AI outputs in real time.

View demo

AI Coaching

Practice objection handling with an AI coach that scores your responses.

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IUL Engine

Upload any IUL illustration and get AI-powered AG 49-A illustration checks.

View demo

Full Product Tour

Step through every module in our guided interactive tour.

View demo

Frequently Asked Questions

No. The AI Copilot uses retrieval-augmented generation (RAG) over a curated library of insurance-specific product knowledge and regulatory guidance, plus documents your agency uploads. Responses are compliance-screened and cite their sources.

A curated insurance knowledge library covering product concepts, regulatory guidance, suitability frameworks, compliance rules, and sales practices, plus any documents your agency adds to the Knowledge Hub. Models are not fine-tuned on your data.

Every AI response is screened by deterministic compliance rules before delivery. Output that breaks a blocking rule is stopped; warn and review outcomes are flagged for human review. Disclaimers are auto-injected and decisions are logged for audit.

Yes. When you mention a carrier, product, or state, the AI retrieves matching material from the knowledge library and your uploaded documents, with citations. Answers are only as current as those sources, so confirm rates and product details with the carrier.

Ready to see insurance AI done right?

Book a demo and ask the AI Copilot any insurance question — see cited, compliant answers live.

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