Insurance AI Solutions

AI-Powered Underwriting
Without the Compliance Nightmare

Deploy LLMs for claims processing, underwriting, and fraud detection while meeting regulatory requirements for audit trails, data sovereignty, and AI explainability.

The Cloud AI Problem for Insurers

Your underwriters need AI to process medical records, financial statements, and claims data. But cloud-based AI creates fundamental compliance problems:

PII Leaving Your Network

Medical records, financial data, and sensitive applicant information sent to third-party cloud providers creates liability exposure and regulatory risk.

No Audit Trail for Denials

When an AI recommends denying a claim or raising premiums, you cannot prove exactly what data it used or how it reached that decision in court.

Vendor Lock-In Risk

Your risk models and underwriting logic become dependent on OpenAI, Anthropic, or other vendors who can change pricing, terms, or shut down access.

EU AI Act Exposure

Insurance underwriting is classified as “high-risk AI” under the EU AI Act, requiring documentation and explainability cloud vendors cannot provide.

The Insurance AI Market Is Splitting

Regulators are forcing a choice: cloud-based AI with compliance risk, or sovereign on-prem AI with verifiable audit trails. The latter is winning.

State Insurance Regulators

NAIC model laws now require insurers to explain AI-driven underwriting decisions with documented evidence—impossible with cloud black boxes.

EU AI Act Compliance

Insurance underwriting is “high-risk AI” requiring detailed logging, explainability, and human oversight—all impossible with cloud APIs.

Data Sovereignty Mandates

More jurisdictions are banning PII transfer to foreign cloud providers, making on-prem the only viable option for global insurers.

Proven Insurance Use Cases

Deploy SecuraMem for high-value AI workflows while maintaining full compliance

Medical Underwriting with LLMs

Scenario: Life insurance underwriters review 50-page medical records for applicants. This takes 3-4 hours per case and delays policy issuance.

SecuraMem Solution: Deploy LLM locally behind SecuraMem's firewall to summarize medical records, flag risk factors, and suggest risk classifications—all without PII leaving your network. Every AI decision is cryptographically logged for regulatory audits.

✓ Result: 80% faster underwriting, zero cloud exposure, court-admissible audit trails

Claims Fraud Detection

Scenario: Claims adjusters manually review thousands of claims monthly, missing subtle fraud patterns that cost millions.

SecuraMem Solution: Use AI to analyze claim narratives, medical billing codes, and historical patterns to flag suspicious claims. SecuraMem logs every inference so you can defend fraud determinations in court or regulatory hearings.

✓ Result: 40% reduction in fraudulent payouts, defensible audit trail for contested claims

Policy Document Q&A for Agents

Scenario: Insurance agents need instant answers about policy coverage, exclusions, and riders during customer calls.

SecuraMem Solution: Deploy RAG-based LLM that answers policy questions using your internal documents. SecuraMem ensures agents cannot extract proprietary underwriting formulas or trick the AI into revealing competitive data.

✓ Result: 60% faster agent response times, zero risk of IP leakage via jailbreaks

Why SecuraMem for Insurance AI

The only AI audit and compliance layer built for regulated industries

Cryptographic Audit Trails

Every AI inference is logged with SHA-256 chaining and Ed25519 signatures. Prove exactly what data the AI used and why it made each decision—in court or regulatory audits.

Zero-Cloud Deployment

100MB single binary runs on-prem, air-gapped, or in your private cloud. PII never leaves your network. No internet dependency. Perfect for high-sovereignty environments.

Jailbreak Detection (90-100%)

ONNX-powered semantic firewall blocks prompt injection attempts before they reach your LLM, preventing agents or attackers from extracting underwriting formulas or PII.

EU AI Act Ready

Built-in documentation, explainability logging, and human oversight integration satisfies high-risk AI requirements without rearchitecting your systems.

Deploy in Your Environment

5-Minute Setup

$ smrust init
# Configure on-prem LLM endpoint
$ smrust firewall --port 3051
# Start logging + firewall
$ smrust verify
✓ Audit chain valid, 0 jailbreaks detected

What You Get

  • Transparent proxy for OpenAI-compatible APIs
  • Immutable audit logs with cryptographic verification
  • Real-time jailbreak blocking and alerting
  • Prometheus metrics for observability

Start Your 30-Day Pilot

$15,000 • 3 machine licenses • Proof of value guaranteed

Deploy SecuraMem in your underwriting, claims, or agent-assist workflows. We'll prove measurable ROI or refund 100% of your investment.

Contact Jeremy Brown