AI Copilot

Insurance Expertise, On Demand

See compliance-checked, source-cited answers to any insurance question — grounded in a curated insurance knowledge library.

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TCPA-Oriented Consent Controls

HIPAA-Ready Infrastructure

GLBA-Aligned Safeguards

AG 49-A Illustration Checks

256-bit Encryption

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 AG 49-A Benchmark Index Account rate. Currently capped at 6.24% for the fixed account.

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 a 6.24% illustrated rate) • The 0% floor guarantees you won't lose value in a down market • Tax-free policy loan access beginning in year 10 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-Trained RAG

Not ChatGPT with a prompt. A curated product knowledge library, carrier-specific data, and state regulations — retrieved and cited in every answer.

Compliance Scanning on Every Response

Every AI answer passes through the deterministic compliance engine before delivery. Disclaimers auto-injected. Prohibited language blocked.

Source Citations

Every claim backed by a cited source — carrier documentation, regulation reference, or product knowledge record. No hallucinations.

Carrier & State Context

Ask about a specific carrier, product, or state. The AI retrieves context-aware answers — not generic insurance information.

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 chatbot. It is an insurance-specific AI trained on real product data, constrained by compliance rules, and designed for agents.

Built-In Protection

Every AI Response Is Compliance-Checked

The deterministic compliance engine scans every response before delivery — auto-injecting disclaimers, blocking prohibited language, and logging everything 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 validated | 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

“I used to spend 30 minutes researching every product question. Now I ask the AI Copilot and get a cited, compliant answer in seconds. It's like having a senior underwriter on speed dial.”

Jennifer R.— Independent Agent, Life & Health

Explore More

Compliance Engine

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

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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.

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Frequently Asked Questions

No. The AI Copilot uses retrieval-augmented generation (RAG) over a curated library of insurance-specific product knowledge, carrier data, and state regulations. Every response is compliance-scanned, source-cited, and constrained to insurance-relevant answers.

The knowledge base includes carrier product guides, state-specific regulations, IUL illustration data, annuity suitability frameworks, compliance rules, and sales best practices. Data is versioned and updated regularly.

Yes. Every AI response passes through the full deterministic compliance engine before delivery. Prohibited language is blocked, borderline responses route to human review, disclaimers are auto-injected, and every interaction is logged for audit.

Yes. The AI retrieves carrier-specific data when you mention a carrier, product, or state. Ask about Pacific Life IUL cap rates, Nationwide annuity suitability, or California disclosure requirements — and get cited, accurate answers.

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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