Insurance Decision Engine

379 Products.
12 Insurers.
10 Milliseconds.

The insurance decision engine that evaluates every product for every client, instantly. Not a chatbot. A deterministic evaluation stack.

181
Products per query
53
Audited calculators
<10ms
Evaluation time
21
Domains
Try It Now

Live at ainsure.co.za · Pilot with select brokers

The Problem

Insurance advice is broken.

Brokers spend hours comparing products manually. They miss gaps that cost clients millions. FAIS compliance takes longer than the advice itself.

You can't compare 379 products manually

A broker comparing 5 insurers takes 3 hours. Checking every product from every insurer? Impossible. Your clients deserve better than 'the insurer I know best.'

You miss gaps that cost millions

A R350K Rolex exceeding the portable limit. A R1.2M vehicle with no credit shortfall cover. A R45M estate with R9M in duty. Gaps hide in fine print.

FAIS compliance takes forever

Needs analysis. Record of advice. Replacement disclosures. Section 8(1) documentation. More time on paperwork than advising clients.

The Solution

Every product. Every insurer. Every time.

⚡

Instant Evaluation

Every product from every insurer evaluated in under 10 milliseconds. Not a search. A complete multi-dimensional evaluation with scoring, gap detection, and exclusion matching.

🛡️

Gap Detection

Finds gaps your client doesn't know they have. Credit shortfall. Portable limits. Under-insurance. Before they become claims. Every gap traced to a policy clause.

✅

FAIS Compliance

Every recommendation documented. Every needs analysis recorded. Record of advice generated. Section 8(1) tracked per session. Compliance happens automatically.

How It Works

Four steps. Two minutes.

You see the answer BEFORE the AI finishes explaining it.

01

Describe Your Client

Type naturally. '38yo lawyer, Sandton, BMW R1.8M financed, Rolex R350K, house R5.5M.' The system extracts the profile.

02

Engine Evaluates

181 products from 12 insurers scored across coverage, value, suitability. Rankings, gaps, exclusions. Under 10 milliseconds.

03

See Everything

Rankings appear. Gaps flash red. Calculator numbers populate. FAIS checkboxes tick. All before the AI starts explaining.

04

AI Explains

Verified explanation streams in — why #1 beats #2, what the gaps mean, what to do next. Every fact traced to engine output.

Calculators

53 calculators. To the Rand.

Every calculator audited against source legislation. Year-aware (SARS 2026 + 2027). Not estimates — exact numbers.

Estate Duty

Dutiable estate, abatement, duty at progressive rates. Estate Duty Act 45/1955.

Exact to the Rand

Credit Shortfall

Gap between insurance payout and outstanding finance. The number your client needs.

Exact to the Rand

CGT on Death

Deemed disposal at market value. Exclusions. Base cost. Income Tax Act.

Exact to the Rand

Under-Insurance

Average clause. Sum insured below replacement = proportional claim reduction.

Exact to the Rand

Retirement Drawdown

Living annuity sustainability within legislated range (2.5% – 17.5%).

Exact to the Rand

Medical Tax Credits

Section 6A/6B fees and additional expenses per current SARS tables.

Exact to the Rand
Coverage

21 domains. One evaluation.

MotorLifeInvestmentMedical SchemeHealthIncome ProtectionShort-TermGap CoverPropertyPortablesBuildingsContentsEstateLong-TermBusinessFuneralLiabilitySASRIAWatercraftTravelCommercial
Questions

FAQ

See it evaluate your client.

379 products. 12 insurers. 10 milliseconds.

Try It Now

Or book a demo