AI underwrites, prices, and pays claims. AVAAS certifies the AI behind each decision.
Insurers run AI across the policy lifecycle, deciding who gets covered, what they pay, and which claims get approved. Regulators now expect carriers to govern and test those systems, not just deploy them. AVAAS certifies the model at the point it decides for a policyholder.
The decision point in insurance
In insurance, the AI acts when it underwrites a policy, sets a premium, flags a claim, or recommends a denial. Regulators now expect you to test those systems and prove you did.
When a model prices or denies, you are expected to show it does not produce unfair discrimination, and to have the evidence ready for a market-conduct exam.
What keeps insurers exposed
A rating model disadvantages a protected class
External data and complex models can introduce proxy discrimination that a rate filing never reveals.
A market-conduct exam asks for your testing
More than half the states have adopted the NAIC bulletin. Examiners now expect documented AI testing and governance.
You did not build the model
The NAIC bulletin holds you responsible for third-party AI. A vendor attestation is not your evidence.
Evidence built for a market-conduct exam
Does the model produce unfair discrimination?
Five structurally independent validators test for demographic disparity in underwriting, pricing, and claims using causal attribution.
Can you document testing and governance on demand?
AVAAS produces a documented, third-party record suited to the evidence an examiner requests.
Does it cover your vendor models too?
AVAAS certifies the system in production, whether you built it or licensed it, with sealed deployment verification.
You get documented, third-party evidence that your AI does not produce unfair discrimination, built for the scrutiny of a market-conduct exam and produced independently of the model owner.
Related AVAAS coverage: California ADMT · GDPR Article 22. Or run the free Regulation Checker to see what applies to you.
See where your insurance AI creates liability.
Tell us where AI touches underwriting, pricing, or claims, and we will scope an AVAAS certification that produces evidence built for a market-conduct exam.
Ready to start now? Certify Your AI → or email [email protected]