Compliance Engine

Sleep Better. Your AI Is Governed.

Watch the deterministic compliance engine scan, block, and log AI outputs in real time. CoverAgent AI does not replace legal or compliance professionals.

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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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Real-Time Compliance Scanning

portal.coveragent.ai/compliance

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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

How It Protects Your Agency

Deterministic Compliance Engine

AI responses run through a deterministic rules engine backed by 21 regulatory knowledge domains and 51 violation codes covering suitability, disclosure, licensing, and product-specific topics.

Pre & Post Validation

Input screening checks prompts before the model runs. Output screening checks responses before delivery: blocking rules stop them, and warn or review outcomes are flagged for human review.

Auto Disclaimers

Versioned disclaimers from a registry of 30 disclosure templates are injected automatically, with state-specific language for supported states.

Review Queue

Warn and review outcomes are flagged for human review. Compliance officers see the context and approve or reject from the review queue.

Tamper-Evident Audit Ledger

Compliance decisions are logged with timestamp, agent ID, and context to an append-only, hash-chained ledger, so edits, deletions, or reordering break verification.

Catch Issues Earlier

Screening runs before delivery, so prohibited language is caught before it reaches a client instead of after a complaint.

See It In Action

See How Compliance Works Inside the AI Copilot

AI responses are screened and annotated before delivery. Blocking rules stop output; warn and review outcomes are flagged for human review.

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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

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Frequently Asked Questions

No. It supports your compliance team by screening content before delivery, auto-injecting disclaimers, and keeping an audit trail. Final authority stays with your compliance officer, and the review queue is designed for human oversight.

The rules corpus spans 21 regulatory knowledge domains, including suitability, disclosure, licensing, TCPA-oriented consent, and product-specific topics such as AG 49-A-aware IUL illustration language and annuity suitability. State-specific disclosure language is maintained for supported states. Rules are versioned and updated over time.

Compliance screening is included on all plans. Some compliance features and audit-log retention periods vary by plan; see the pricing page for details.

Audit log export is in Beta: you can export date-ranged audit records as CSV or JSON for internal reviews, E&O carriers, or regulators. Retention varies by plan tier.

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