Move AI toward deployment
Measure evidence-readiness time and the number of unresolved release questions.
HAIEC / Insurance assurance
Move insurance AI forward. Keep authority visible.
Explore how a claim, policy change or AI agent request becomes a consequential insurance action. HAIEC connects what is requested, authorized, effectively granted, code-capable and observed—so leaders know what evidence a responsible release decision requires.
Interactive reference experience, not an insurance assessment. Insurance integrations and domain evaluation remain POC pending.
CONSEQUENCE PATH / INSURANCEILLUSTRATIVE
A decision can be reasonable and still exceed its authority.
AGENTClaims AIDecides to settle
→TOOLPayment APIBroad access
→RESULTBenefit transferFinancial effect
RELEASE COMPARISONSTATE 00 / 02
AI recommends. An insurer acts.
Baseline: recommendations remain with human decision owners.
Explore the complete three-state comparison
What the agent proposesClaim settlement
Business authority questionApproval to pay?
HAIEC connects capability, delegated authority and evidence. No real insurance payment or scan is performed here.
EXECUTIVE VALUE / MEASURED IN A POC
Decide what to release. Know what to control. Show why.
A useful AI assurance engagement should produce a business decision, not just another risk register. These are proposed measurement dimensions, not customer results.
Expand bounded automation
Count consequential actions with established approval owners and assessed technical boundaries.
Make evidence reusable
Measure reviewed evidence coverage, missing-source gaps, and reviewer rework.
Expose hidden agent reach
Identify excessive grants, cross-system paths and changes that need reassessment.
Typical enterprise evaluations are individually scoped. A full initial assessment commonly takes 4–8 weeks after readiness, and the technical decision owner remains with the insurer. Discuss an insurance assurance POC →
CHOOSE YOUR VIEW
What would you like to establish?
Three direct paths into the same insurance scenario. No setup required.
THE HAIEC DISTINCTION
A model may recommend. A credential may permit. Only qualified evidence tells you what authority and action establish.
- Requested
- Policy-authorized
- Effectively granted
- Code-capable
- Observed
Three enterprise opportunities
Assure. Enable. Insure.
One underlying assurance discipline, three very different buying outcomes for insurers and their ecosystem.
AIA GROUP / PUBLIC SOLUTION MAPPING
Where insurance AI operates today—and where assurance could fit.
AIA's published 2025 AI framework names agency, customer, operations and function solutions. Select a system family to inspect a hypothetical HAIEC assurance question, not an AIA implementation finding.
Verified AIA public disclosures83%underwriting decisions automated75%claims auto-adjudicated14,000+employees supported by AIA CopilotAIA 2025 analyst presentation, pp. 60–63 ↗
Named in AIA investor materials Hypothetical HAIEC assurance scenario Industry workflow examples · HAIEC assurance foundation
FROM THE HAIEC PLATFORM TO INSURANCE OPERATIONS
One assurance foundation. Consequence-specific insurance workflows.
Explore how AI agent discovery, delegated action analysis and evidence-based controls apply to claims, underwriting, servicing, agency and health data. This public workbench uses illustrative scenarios; insurer deployment assessments are scoped with the customer's systems and evidence owners.
Discover the action surfaceConnect agents, code paths, tools, identities and insurance business effects into a reviewable system map.
Assess authority and evidenceReconcile approved decisions, effective access and code-capable paths; run relevant control questions against qualified sources.
Support enterprise decisionsDeliver action maps, findings, source coverage, control improvements and a defined executive assurance readout.
Release decisionsEstablish the next approval question
Bounded autonomyDistinguish action from access
Reviewable evidenceExpose both proof and unknowns
Insurer readinessScope the live domain POC
01 / Insurance scenario workbench
Find the consequence. Inspect the authority.
Start with insurer-neutral workflows; opt into AIA-mapped hypothetical references for a targeted discussion. Payment cases use illustrative financial limits; other workflows use actual decision-right categories.
Insurance Action Assurance HAIEC / Insurance domain · Synthetic design cases · Not connected
01 Requested≠02 Authorized≠03 Granted≠04 Code-capable≠05 Observed
Scenario basisFictional insurance case
Domain actionPayment initiation
Decision ownershipInsurer / designated authority
LIFE & HEALTH / CLAIMS
Claims benefit settlement
WORKBENCH / THREE-STATE COMPARISON
Watch an AI action cross the authority boundary.
Compare a recommendation-only baseline, a proposed authority expansion, and a bounded-release design for the selected insurance scenario. The transition is a browser-authored explanation—not a HAIEC evaluation or insurer system event.
SELECTED CASE
ILLUSTRATIVE STATE COMPARISONACTION CHAIN
ASSURANCE INSPECTOR
Review boundary
SIMULATED EVENT TRACE
Requested ≠ authorized ≠ granted ≠ code-capable ≠ observed.No execution, financial movement, production enforcement or source-connected finding.
A model of the insurance enterprise
From application to benefit and beyond.
Insurance AI operates inside contract, role and process boundaries. The domain model must preserve those boundaries before a risk determination is meaningful.
02 / AI release assurance
More autonomy, only when the evidence supports it.
A proposed pathway from recommendation-only systems toward bounded execution. Release decisions remain with the insurer.
Selected mode
The insurance release engine, decision policies and enforcement connectors are not connected. These transitions are simulated in-browser.
Evidence and control gates
03 / Emerging business model
Could technical assurance help insure AI risk?
Illustrative concept: HAIEC assesses technical exposures and evidence. A licensed insurer or reinsurer independently decides risk appetite, eligibility, terms and pricing.
01 / Insured exposure
Enterprise AI
Agent action / performance / vendor risk
→
02 / Technical dossier
HAIEC evidence
Authority, action paths, controls, telemetry scope
→
03 / Underwriting
Carrier & reinsurer
Coverage decision, exclusions, capital and premium
Sample AI Assurance Evidence Passport
A proposed portable evidence package, not a certification or insurance policy.
Passport typeIllustrative evidence profile · NOT ISSUED
System and versionAIA-REF-CLM-101 · synthetic example
Evidence package revisionPREVIEW-v0.3 · version label only
Issuer and signatureNot signed · no issuing authority
Issue / expirationNo issue date · no validity period
Requested actionClaims payment proposal
Authority relationNot assessed
Source / code control evidenceAuthor-defined example · unverified
Runtime observationNot connected
Change recordRequires source versions and change events
Evidence confidencePer-source verification required
Permitted useDesign discussion only · not insurability
A production Passport would include version-bound provenance, signatures, scope, current evidence, change history and explicitly unresolved questions. This preview issues no credential, hash, attestation or insurance eligibility decision.
Potential commercial offerings
Insurer technical underwriting evidenceRisk profiles and monitoring inputs for insurers
Insurance-backed AI warranty supportVendor assurance, performance evidence and contract scope
Embedded continuous assuranceRecurring risk visibility as systems change
Coverage, premium calculations, claims adjudication for AI-risk insurance and insurer licensing are outside HAIEC's assurance role.
Domain semantics / working ontology
An insurance vocabulary that preserves meaning.
Coverage eligibility is not claim approval. A claim approval is not a payment. A technical credential is not delegated business discretion.
INSURANCE ONTOLOGY CONCEPT
Conceptual relationships
Conceptual map for HTML research. ACORD is the industry transaction model reference; FIBO is a financial semantic reference. This preview is neither an ACORD-conformant API nor a formally published insurance ontology.
HAIEC governance and assurance
One assurance discipline across the insurance estate.
Existing HAIEC capability families can be adapted to insurance workflows while a domain-specific evaluator and integrations are qualified through POC.
HOW HAIEC WORKS
Evaluate the action path, not just the policy document.
HAIEC brings different source types into a qualified assurance record. A finding can begin from an eligible source without requiring every other integration first.
01Source / static evidence
Read permitted source code, tool registries, agent definitions, configurations and IAM policies. Identify technical action paths and their reachable business effects.
02Authority comparison
Compare requested action, approved policy, effective grants, and code-capable operations. Distinguish established from candidate relationships.
03Runtime evidence if connected
Use approved logs or observations to establish what actually occurred. An absent runtime feed does not prove that no action occurred.
04Repeatable assurance
Run bounded control tests, assemble findings and evidence, then reassess after source, permission or policy changes. Insurance-specific tests require a POC.
AI Estate & agent actions
Inventory concepts, source-visible routes and which insurance resources agents can reach.
Delegated Action Integrity
Compare what access allows with what a decision-maker was authorized to choose.
Control catalog & testing
Relevant authority, oversight, isolation, evidence, monitoring and change-control families.
ISAF / CSM6 research
Consequences, decision boundaries and proof quality; a methodology lens, not insurer certification.
RAG, LLM and application security
Policy-document poisoning, prompt injection, unsafe code/tool paths and provenance.
MCP tenant isolation
Cross-tenant identity, tool grants, scope isolation and agent delegation.
Framework evidence mapping
NIST AI RMF, ISO/IEC 42001, ISO 27001, SOC 2, IAIS, MAS and relevant sector regimes.
Monitoring & assurance cases
Findings and change evidence with qualified observation, scope and source coverage.
CROSS-DOMAIN PLATFORM
HAIEC foundation already available
AI estate, action/capability maps, DAI, controls, assurance cases, code/LLM security, MCP isolation and qualified evidence reporting.
INSURANCE DOMAIN / NOT CONNECTED
Requires qualification
Claims and underwriting semantic adapters; insurer-specific rules; production connectors, runtime enforcement, actuarial models and AIA/ServiceNow integration.
COMPLEMENTARY, NOT REPLACEMENT
Where an enterprise control tower and HAIEC can meet.
Existing GRC and AI Control Tower products can already provide inventories, risk assessments, controls, workflow approvals and, in some products, agent authority and runtime controls.
QuestionEnterprise AI governance / control towersHAIEC consequence assurance
System coverageEstate catalog, governance ownership, discovery and process contextSelected agent/tool action paths and source-qualified technical scope
AuthorityPolicies, control rules and in some products operational agent permissionsCompare declared approval against effective reach and code capability
EvidenceAssessments, attestations, event context and enterprise controlsAction-specific proof frontier: what was seen, inferred or not established
OperateWorkflow ownership, approvals, incidents and compliance managementEvidence and findings that can inform those decisions, subject to integration
Framework mappings and readiness support are not external accreditations. Insurance control tests, adapters, regulatory mapping and assurance findings require scoped implementation and source access.
Deployment architecture
Use HAIEC independently, or alongside ServiceNow.
Same assurance question. Different enterprise workflow ownership. Both insurance deployment patterns require technical scoping.
ServiceNow's Control Tower and AI Passport have their own inventory, governance and agent-authority capabilities. HAIEC's proposed role is complementary consequence analysis and source-qualified evidence; no insurance ServiceNow connector is claimed as built.
ASSURANCE FOUNDATION & REFERENCE ARCHITECTURE
The insurance assurance foundation: sources, method and integration.
Explore the evidence methods and enterprise architecture that power HAIEC's insurance approach. The interactive scenarios are illustrative demonstrations.
Public AIA source
2025 Annual Results, published March 2026, p. 61. Named solution families and separately reported automation metrics.
AIA analyst presentation ↗HAIEC assurance foundations
Delegated Action Integrity, source-qualified consequence paths, the five evidence planes and bounded control evidence underpin the proposed insurance-domain extension.
Explore Delegated Action Integrity ↗ServiceNow platform context
AI Control Tower already provides enterprise inventory, governance, runtime oversight and AI Passport authority. HAIEC proposes complementary evaluation.
ServiceNow October 2026 release ↗PROPOSED STARTING ENGAGEMENT
Three decisions. One bounded AI workflow.
01 / DefineChoose a consequential AIA-relevant workflow and the approving business/technical owners.
02 / EvaluateScope source access and action boundaries, test selected controls and document what evidence is available.
03 / DecideReview findings together: release conditionally, remediate, expand the pilot or stop.
INSURANCE DOMAIN / PROPOSED ENTERPRISE POC
Start with one AI system. One consequential decision.
Select a workflow, identify its permission and authority boundaries, qualify evidence sources and define measurable acceptance criteria. Expand only after the findings support the next step.
Insurance workflow: ready to scope