Compliance Engine

Sleep Better. Your AI Is Compliant.

Watch the 22-module compliance engine scan, block, and log AI outputs in real time.

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TCPA Compliant

HIPAA Ready

GLBA Enforced

AG 49-A Certified

256-bit Encryption

Trusted by 500+ Insurance Agents

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Real-Time Compliance Scanning

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

How It Protects Your Agency

22-Module Compliance Engine

Every AI response runs through 22 compliance modules covering suitability, disclosure, licensing, and product-specific regulations.

Pre & Post Validation

Input scanning catches prohibited prompts before the LLM fires. Output scanning validates every response before delivery.

Auto Disclaimers

State-specific, product-specific, and carrier-specific disclaimers injected automatically. Zero manual work.

Review Queue

Borderline responses flagged for human review. Compliance officers see context, approve, or override in one click.

Complete Audit Trail

Every scan, block, disclosure, and override logged with timestamp, agent ID, and full context. Always audit-ready.

E&O Risk Reduction

Proactive compliance scanning catches errors before they reach clients — measurably reducing E&O exposure across your agency.

See It In Action

See How Compliance Works Inside the AI Copilot

Every AI response is scanned, validated, and annotated before it reaches your client. Watch compliance happen in real time.

portal.coveragent.ai/ai

All systems live

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. CA License #XXXXXXX.

Compliance: Pass

“Before CoverAgent, compliance was a bottleneck. Now every AI output is scanned automatically, my team has full visibility, and I can pull an audit report in 30 seconds. It changed how we operate.”

Marcus D.— Managing Partner, 28-agent agency

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Frequently Asked Questions

No. It augments your compliance team by catching issues in real time, auto-injecting disclaimers, and creating a complete audit trail. Final authority always stays with your compliance officer — the review queue is designed for human oversight.

The engine covers state-specific insurance regulations, NAIC model rules, product-specific requirements (IUL AG 49-A, annuity suitability), FINRA-aligned advertising standards, and carrier-specific compliance guidelines. New rules are added quarterly.

Basic compliance scanning is included on all plans. Advanced features like the review queue, custom policy rules, and compliance analytics are available on Pro plans and above.

Yes. The audit trail is exportable in standard formats (CSV, JSON, PDF). You can generate date-ranged compliance reports for regulators, E&O carriers, or internal audits on demand.

Ready to make AI compliance effortless?

Book a compliance review and we'll walk through the engine with your real use cases.

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