Open Agentic

Insurance distribution for the age of agents

Sell and service through AI agents, with people accountable for the decisions that matter.

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Our view

Insurance will be the first thing people hand to AI

AI is taking on financial decisions in five stages, from helping a person to acting for them. Insurance is a chore people would rather hand over, so we expect it to move through these stages faster than anything else. From stage 3, the roles reverse.

Read the research

Levels adapted from the autonomy spectrum in The Mills Review, FCA, July 2026.

L1Human leads

Human as operator

AI supports on demand

L2Human leads

Human as collaborator

Human and AI plan and act together

The market today
The roles reverse: from L3, AI leads
L3AI leads

Human as consultant

AI leads, human gives guidance

L4AI leads

Human as approver

AI acts, human signs off key steps

Where HumanApproved works
L5AI leads

Human as observer

AI executes, human monitors

Sell through AI agents, with the customer's approval

HumanApproved shows each customer exactly what their AI agent is about to buy, gets their approval, and gives you a signed record, linked to the quote.

  1. 1

    Payment pauses

    An AI agent reaches your payment page. The purchase is held and the agent is handed an approval link. Nothing is paid or bound.

  2. 2

    Your customer sees the disclosures

    The cover, the key exclusions and your terms, on a page in your brand.

  3. 3

    Your customer confirms their answers and approves

    They see every answer their AI agent gave and confirm it before anything is bound, then approve with a one-time code to the mobile number on the quote. The page is built to keep AI agents out.

  4. 4

    You hold a signed record

    What your customer saw, what they approved and when, tied to the quote. The AI agent completes the sale.

Meet HumanApproved

Open Companion

An always-on insurance guide for every customer

Customers ask about cover in their own words. Companion explains it and answers their questions, without giving advice, and guides them to a quote, at any hour.

  • Explains cover in plain languageVoice or chat, grounded in your own product wording.
  • Guides customers through their quoteIt knows the options in front of them and how far they've got, so its help fits their quote.
  • Licensed, easy to embedRuns under Open's licences in Australia, New Zealand and the UK, inside your site and app, in your brand.
Meet Companion

The Open Agentic suite

HumanApproved

Put AI agents in front of customers, with accountable people approving the decisions that matter.

Explore HumanApproved

Open Companion

A voice and chat assistant that explains cover in plain language and guides customers through their quote.

Explore Companion

AI Platform integration

Your products inside ChatGPT, Claude and other assistants, connected through MCP to live pricing.

Explore integrations

AI Safety Harness

Five layers of safety, monitoring and compliance around every model.

Explore the harness

See what agents can do for your customers

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