AI Transformation for Insurance

Stop duct-taping
your insurance stack.

The AI transformation layer for employee benefits and P&C. We layer on your ben-admin, policy admin, and broker systems — or migrate when that's the right move. Medical through voluntary plans and carrier integrations included. SOC 2 Type II · HIPAA compliant.

How it works
Claim #FNOL-2847 · Audit Trail
SOC 2HIPAAPII Redacted
Step 1
Guidewire FNOL
ingested · PII tagged
Step 2
Relay Vault
triage · redact · score
Step 3
Duck Creek
decisioned · routed
Step 4
Immutable Log
exam-ready
14 actions logged · 0 PII exposures · 100% traceableverified

SOC 2 Type II  ·  HIPAA  ·  NAIC-aware  ·  BAAs available with major model providers

Where We Transform Workflows

We don't automate tasks. We transform insurance workflows.

Insurance operations break when humans are the integration layer. Relay Vault rebuilds end-to-end workflows on top of the systems your team already runs.

Employee Benefits

Medical, dental, vision, disability, hospital, worksite, and voluntary plans — census sync, eligibility verification, and open enrollment across ben-admin and carrier systems.

Claims Processing

Intelligent triage, documentation analysis, and adjudication support.

Discrepancy Management

Flag enrollment, billing, and regulatory exceptions across carrier files, HRIS census, and internal systems — with full audit trail.

Premium Reconciliation

Keep premium billing in sync across carriers, TPAs, brokers, and finance without manual entry.

Property & Casualty

Policy, claims, and billing workflows across P&C carriers and programs.

Commission Management

Automate calculation and payment workflows for multi-tier distribution networks.

Every workflow runs inside your existing controls — SOC 2, HIPAA, and carrier-specific audit logs preserved end-to-end. No data leaves your environment without a verifiable trail.

Engagement

Audit. Architect. Deploy. Optimize.

Every engagement starts with a real workflow inside your business — not a generic demo. We ship transformation, not pilots.

CRMClaimsEnrollmentRelay VaultTriageEligibilityReconcileMonitor
01

AI Transformation Audit

Two-week embedded review of one workflow — claims intake, open enrollment, broker onboarding, eligibility, commissions. We map where humans are the integration layer and where AI agents can take over.

02

Workflow Architecture

We redesign the workflow with AI agents living inside your existing stack — Guidewire, Duck Creek, Employee Navigator, Ease, Vertafore, AMS360, ImageRight, Salesforce FSC. Layer-first by default; platform migration or custom builds when that's the right call.

03

Production Deployment

Live in 6–12 weeks, not 18 months. Agents operate within your existing permissions, your audit logs, and your compliance controls — under human-in-the-loop oversight by default.

04

Continuous Optimization

Agents learn from your team's overrides. We run quarterly reviews to widen scope into adjacent workflows, refine decision logic, and tune for the next state exam or audit cycle.

Why Relay Vault

Built for the only industry where the audit matters more than the automation.

AI transformation for regulated insurance operations — where every decision needs a paper trail, every model needs an explanation, and every data path needs to survive a state exam.

.01

Compliance-native by design

Data encrypted in transit and at rest. PII redacted when applicable. PHI handled under BAA. Every agent action logged into an immutable, exam-ready trail. SOC 2 Type II controls, HIPAA-compliant data handling, and audit packages your state insurance department actually accepts.

.02

Layer-first — migrate when you need to

Guidewire, Duck Creek, Employee Navigator, Ease, Vertafore, AMS360, and the HCM/HRIS/payroll systems your census flows through — we operate inside the stack you already run. Most engagements start as a layer on what you have. When the platform is the bottleneck, we migrate you to a new one or build custom software — same audit, same compliance trail.

.03

Transforms workflows, not just tasks

We don't automate one step in claims intake. We rebuild the whole flow from FNOL to closure — and the open enrollment, census reconciliation, carrier file discrepancy, broker onboarding, and reconciliation flows behind it. Department-level transformation, not point automation.

Who It's For

Built for the teams that keep insurance running

MGAs
Ben-admins
Risk & Compliance Teams
Capital-backed insurance ops

AI Transformation ROI

What is manual operations
costing your insurance team?

Adjuster hours, broker reconciliations, compliance review cycles — see what an AI transformation actually recovers.

Operations staff

Team members handling admin workflows

10
180

Time on repetitive tasks

% of each person's week spent on manual, rules-based work

40%
5%90%

Age of current automations

How old are the SOPs and tools your team relies on?

Hours lost per month

693hrs

10 staff × 40% of a 40hr week × 4.33 wks

5% inefficiency overhead: Modern AI-first tools — but scaling challenges, low accuracy on edge cases, and high maintenance costs still add up.

True monthly cost

$29,120

Including efficiency decay from aging workflows

Relay Vault could save

$23,296/mo

$279,552 annually

How We're Different

No forced rip-and-replace. No half-built automations.

Most AI vendors sell tools. Most consultants sell decks. We build, deploy, and own the workflow transformation alongside your team.

Generic AI vendors & RPA

  • Generalized AI tools that do half the job and leave the rest to your ops team
  • RPA bots that break the moment a carrier changes a form field
  • Point solutions that ignore PII, BAAs, and your state exam workbook
  • Consultants who sell strategy decks and disappear before deployment
  • 18-month system migrations that promise transformation and ship a database

Relay Vault

  • Custom AI agents built for one insurance workflow at a time, end to end
  • Layer-first on your stack — or platform migration and custom builds when that's the right call
  • Encrypted in transit and at rest, PII redacted when applicable, BAA in place, immutable audit log per claim
  • We embed with your team, ship the transformation, and stay for optimization
  • Live in production in 6–12 weeks, not a year and a half

Frequently Asked Questions

How is this different from RPA?
RPA automates clicks. Relay Vault rebuilds workflows. RPA bots break the moment a carrier changes a form field; AI agents read the field, understand the change, and keep going. And unlike RPA, every Relay Vault decision is explainable, logged, and auditable end-to-end.
Do you handle PII and PHI safely?
Yes. We encrypt data in transit (TLS 1.3) and at rest (AES-256). PII is redacted when applicable. PHI is handled under a Business Associate Agreement, with BAAs in place with major model providers.
Are you SOC 2 Type II?
Yes. SOC 2 Type II controls cover access, change management, monitoring, and incident response. Reports are available under NDA during the audit engagement.
Can you work inside our Guidewire, Duck Creek, Vertafore, or AMS360 environment?
Yes. Relay Vault is built layer-first — Guidewire, Duck Creek, Vertafore, AMS360, Applied Epic, ImageRight, Employee Navigator, Ease, Salesforce Financial Services Cloud, and others. Agents operate within your existing permissions with no forced migration. When migration or custom software is the right long-term answer, we lead that too.
Do you work with employee benefits — medical, dental, vision, disability, and voluntary plans?
Yes. We transform open enrollment, census sync, eligibility verification, carrier integrations, and premium billing for medical, dental, vision, disability, hospital, worksite, and voluntary plans. See our employee benefits page for the full workflow library.
What about discrepancies between census, carrier files, and billing?
Discrepancy management is a core workflow. Relay Vault flags enrollment exceptions, census-to-carrier mismatches, premium billing deltas, and regulatory exceptions — every flag traces back to its source with a full audit trail.
What is a typical deployment timeline?
Two weeks for the AI Transformation Audit, then six to twelve weeks to production for the first workflow. That includes architecture, integration, human-in-the-loop tuning, and the audit-log review your compliance team needs.
Will my state insurance department accept this in an exam?
Yes — that is a non-negotiable requirement. Every action an agent takes is recorded in an immutable, exam-ready log. The audit packages are designed to satisfy NAIC and state-specific examination workbooks.
What does pricing look like?
Pricing is per engagement and scopes to the workflow we transform together. The economics typically come in well below the fully-loaded FTE cost of the manual workflow being replaced. The audit produces a scoped quote before any commitment.
Who is the right fit?
Carriers and brokers of any size, ben-admins, benefits TPAs, MGAs, and insurance platforms running real volume on systems they need to keep running — or migrate intentionally. If you need workflow transformation across employee benefits or P&C, not another point tool, we are a fit.

Get Started

Insurance operations were designed for human coordination.

The next generation is designed for intelligent execution. Book a two-week AI Transformation Audit and we'll identify one workflow we can rebuild — inside your stack, inside your compliance posture, in production within a quarter.

About us

Not ready for an audit conversation? Leave your email and we'll send the workflow library.