A reconstructable record for every underwriting and claims decision
Underwriting, claims, pricing and fraud decisions increasingly run on AI. Aegis Trace captures one signed, independently verifiable certificate per decision, so a defensible, reconstructable record exists for disputes, audits and the ombudsman, without adding latency to live business.
Underwriting and claims, on the record
Every AI-driven underwriting, claims, pricing or fraud decision is captured as a signed, tamper-proof certificate at the moment it is made.
Dispute and ombudsman ready
When a policyholder, regulator or ombudsman challenges a decision, the defensible record already exists, with no reconstruction required.
Reconstructable years later
Each decision can be reconstructed exactly as it was made, long after the model that made it has moved on.
Independently verifiable
Signed exports anyone can verify, so the evidence stands on its own when a decision is questioned.
The decision is priced in seconds. The dispute can last years.
Underwriting, claims, pricing and fraud decisions increasingly run on AI, at machine speed, and the defensible record is not created alongside them. The exposure is the challenge that arrives later: a policyholder, an ombudsman or a regulator demanding to know why, when reconstructing the decision is hardest.
Decisions at machine speed
Underwriting, pricing, claims and fraud decisions are made in real time, with no file note created alongside them.
Built for the dispute
When a policyholder, regulator or ombudsman challenges a decision, you have to show the basis on which it was made.
Reopened years later
Long-tail and reinsurance exposures mean a single decision can be reopened years after the model that made it has moved on.
Under the EU AI Act, high-risk insurance systems carry record-keeping obligations from 2 August 2026, with penalties up to €15M or 3% of global turnover. GDPR Article 22 gives individuals rights over solely automated decisions that significantly affect them. Explore the regimes in Atlas.
The decisions a dispute turns on
Underwriting and claims decisions happen at machine speed, but the defensible record does not get created alongside them. Aegis Trace closes that gap across the decisions insurance and reinsurance rely on.
Underwriting
Accept, decline and terms decisions, evidenced with the factors and rationale behind them.
Claims assessment
Claims decisions captured as signed records, ready for disputes and the ombudsman.
Pricing
Pricing decisions held with the inputs that drove them, so fairness questions can be answered.
Fraud flags
Fraud and referral decisions recorded with their basis, so escalations are defensible.
When the dispute arrives, the record already exists
Aegis Trace captures one signed, independently verifiable, tamper-evident certificate for every underwriting, claims, pricing and fraud decision, the moment it is made. When a decision is challenged, the defensible record is produced on demand and reconstructed exactly as it stood, years later if it has to be.
- One signed, tamper-evident certificate per decision
- Independently verifiable, with no Aegis Trace account
- Still verifiable years after the decision was made
- PII redacted at source, before any record leaves your network
Mapped to the obligations that apply to you
FCA Consumer Duty
Evidence that each underwriting, pricing or claims outcome was fair and defensible.
EU AI Act (Annex III, high-risk insurance)
Record-keeping and traceability for the high-risk AI decisions insurance now relies on.
GDPR Article 22 (automated decisions)
A meaningful record behind solely automated decisions that significantly affect a policyholder.
See it on underwriting and claims
Insurance & Underwriting
An automated underwriting model declines a policy. The applicant invokes their GDPR Article 22 right to an explanation. The record is ready.
Insurance Automation
An insurer automating underwriting and contract review at scale evidences each AI-assisted assessment, every decline, every flagged clause, without slowing the desk.
A defensible record. Before the dispute.
See how insurers and reinsurers use Aegis Trace to evidence underwriting and claims, or talk it through with us.