Reassured, the UK’s largest life insurance broker, has announced the development of their innovative non-disclosure risk identification solution, SAINT.AI. This industry-first solution using generative AI is designed to improve medical disclosure accuracy, enhancing customer outcomes across the protection journey.
Developed in partnership with FOIL AI and supported by Microsoft, the bespoke AI model has been built, tested, and refined over the past six months. The solution will be implemented across Reassured’s operations and has been recognised as a finalist in the Generative AI Initiative category of the Year at the British Data Awards.
Non-disclosure and inaccuracies in medical information remain one of the leading causes of claim challenges across the protection industry, highlighting the need for greater accuracy and consistency at the point of application.
SAINT has been specifically designed to support accuracy of the medical disclosure process, a critical stage in the journey that can often be complex to navigate, where even small inaccuracies may have significant implications at the point of claim.
By utilising unstructured data from call transcripts and insurer application records, the model identifies any inconsistencies and flags them for review. This ensures complete accuracy and reduces the industry-wide risks associated with non-disclosure.
“SAINT.AI is an industry-first solution designed to support one of the most complex parts of the medical disclosure process,” said Laura McGraw, Co-Founder and Chief Customer Officer at Reassured. “The process can be difficult for customers to navigate, and even small misunderstandings can have serious implications at claim stage, so SAINT.AI gives us an added layer of confidence that every policy is as accurate as it should be.
“For us, this is about continuing to raise the bar. With around 70% of our customers new to protection, and 30% in the groups least likely to have cover, these investments are critical, making the process clearer, more supportive, and more robust isn’t just important, it’s essential.”
Mish Naik, Head of Strategy at FOIL AI, added: “Partnering with Reassured on this innovative solution has been really rewarding. We have been able to extract nuanced, context-dependent intelligence from unstructured human conversations and analyse these against policy applications to identify potential non-disclosure risks.
This is generative AI delivering on its promise: making complex human expertise accessible at scale while optimising the human oversight capacity to protect customers undertaking what is often a complex process.”
Mike Pritchard, Programme Manager, DQM at Legal & General, added: “Reassured’s use of data and emerging technologies to support more accurate medical disclosures is a positive development for the industry. Tools that help surface potential inconsistencies earlier can support better decision‑making and greater confidence for customers, as long as they are used to complement, not replace, responsible engagement and insurer underwriting standards.”
