Xternus

AI Act Compliance for Insurance

Insurance-focused AI Act readiness covering distribution, underwriting, pricing, and claims use cases.

We protect your insurance operations by aligning your AI innovation with European regulation through our Risk, Compliance & Resilience capabilities. At Xternus, we offer a solution specifically designed for the insurance sector, combining our expertise in Digital, Technology & AI with a structured Transformation & Implementation approach. We adapt the necessary controls to your critical processes, distribution, underwriting, pricing, and claims management, ensuring that both your proprietary models and third-party solutions comply with the strengthened product governance and supervisory requirements introduced by the new regulatory framework.

By implementing this solution, your organization gains direct operational security through the design of tailored controls across every stage of the insurance value chain. We ensure that your use of artificial intelligence complies fully with EU regulatory requirements, integrating compliance and operational execution under a robust Transformation & Implementation framework. At the same time, we significantly reduce the risk associated with your models by minimizing the probability of failures, biases, or unexpected behaviors in pricing and scoring algorithms. The result is audit-ready evidence, supported by comprehensive technical and procedural documentation aligned with Risk, Compliance & Resilience, enabling you to demonstrate compliance confidently to external regulators.

Our methodology brings deep sector expertise by applying the NIST AI Risk Management Framework (AI RMF) adapted to the specific dynamics of the insurance industry. We also leverage the international ISO/IEC 42001 standard to establish a robust AI management system. Within our Digital, Technology & AI practice, we assess the criticality of each AI development and define the appropriate level of human oversight and continuous technical validation. To ensure real-time governance, we implement advanced tools such as centralized model registries, automated decision traceability systems, and periodic bias testing designed to identify and correct potential discrimination in underwriting processes.

Our objective is to ensure your performance indicators reflect security, governance, and resilience. We work toward achieving control coverage above 90% to mitigate identified risks through active technical and procedural safeguards. This creates a preventive operational environment that progressively reduces incidents and compliance failures associated with AI models in production.

If your insurance company is integrating AI into critical processes and seeks to combine innovation with measurable results, this solution within our Integrated Solutions framework becomes the strategic lever that transforms regulatory compliance into a true competitive advantage within the insurance sector.

Key Benefits

Sector-specific controls
Regulatory alignment
Reduced model risk
Audit-ready evidence

Methodologies

NIST AI RMF
ISO/IEC 42001
Model risk mgmt

Tools

Model registry
Audit trails
Bias testing
Monitoring

Impact Metrics

>90%
Controls coverage
reduced
Incidents

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