Custom Agentic AI for Ayalon Insurance Company
An Agentic Underwriting System for Faster Insurance Approvals
Industry
Insurance
Services
Technology
Proprietary Agentic Engine, Python, Pandas / Excel Integration, OpenAI API
TL;DR
- 1.Agentic automation of underwriting workflows
- 2.Instant analysis of complex Excel datasets
- 3.Reduced policy assessment time from minutes to seconds
- 4.Enhanced accuracy and decision-making for underwriters
The Challenge
Ayalon Insurance, one of Israel's leading insurers, faced significant delays in underwriting approvals. Each policy assessment required specialists to manually comb through intricate Excel spreadsheets, identifying risk factors and validating inputs.
On average, the process took 10–15 minutes per policy, resulting in daily bottlenecks and slowing down customer onboarding.
- 1
Manual Complexity
Spreadsheets contained dense, unstructured data — multiple tabs, varied layouts, and inconsistent terminology — making it hard to standardize assessments.
- 2
Approval Delays
The high volume of incoming requests, combined with manual reviews, caused slow response times and limited the company's ability to scale.
- 3
Human Error Risks
Relying on manual interpretation increased the potential for oversight or misjudgment, undermining consistency and operational confidence.
The Agentic Solution
AI-Powered Underwriting Agent
Dofinity.AI built a custom agent capable of reading and interpreting Excel files of varying complexity. The agent identifies relevant data points, flags inconsistencies, and analyzes risk profiles based on predefined rules and machine-learning models.
Instant Risk Assessment
Underwriters now receive automated risk recommendations from the agent within seconds, complete with transparent explanations and highlighted data inputs for validation.
Seamless Excel Integration
The agent was designed to work directly with Ayalon's existing Excel formats, requiring no change in workflow while significantly enhancing its speed and accuracy.
Success
Ayalon's underwriting process was transformed from a manual bottleneck into a streamlined, high-efficiency operation. Policy assessments that previously took 10–15 minutes now happen in under 30 seconds — with greater precision and reduced risk of error.
The agent empowered underwriters to focus on edge cases and strategic evaluations, while routine assessments are handled autonomously. The result: faster approvals, better decision-making, and a leap forward in Ayalon's digital transformation journey.
"Over the past few months, we have led two AI agentic pilots together with Dofinity.AI. Both pilots successfully passed the testing phase and are now operating within the organization. The Dofinity.AI team worked professionally, met targets and deadlines, and demonstrated deep understanding both on the business side and in the technology. The collaboration was quick, flexible, and pleasant — allowing us to move forward confidently every step of the way. We are currently monitoring the actual usage results and jointly evaluating the next steps."
Amit Geva
CIO, Ayalon Insurance
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