Cognitive Server
USE-02· Insurance

Underwrite faster without losing control

Actuarial models and assisted appraisals inside your perimeter. Traceability for Solvency II and IDD.

Solvency IIIDDEU AI ActGDPR Art. 22

Data never leaves the perimeter

Inference over sensitive data with no third-party egress.

DATAQUERYINFERENCEORCHESTRATORAUDIT LEDGERDECISION + AUDIT LOG× NO THIRD-PARTY EGRESS× NO THIRD-PARTY EGRESS
Fig — Client perimeter · data never leaves

Product anatomy

Seven pieces, one principle: data enters, is processed and is recorded — but never leaves.

COMP · 01

Sovereign Appliance

Certified hardware inside your datacenter. The compute boundary is physical.

COMP · 02

Local Inference Engine

Optimised models running on the appliance — no external calls.

COMP · 03

Data Orchestrator

Lineage, retrieval and context composition over internal sources.

COMP · 04

Secure Connectors

Integration with core, ERP, EHR or SCADA via signed channels.

COMP · 05

Governance & Policy Layer

RBAC, usage policy and guardrails enforced before every inference.

COMP · 06

Audit Ledger

Signed, immutable chain of every query, decision and artefact.

COMP · 07

Explainability Layer

Citations, weights and applied rules attached to every model output.

Practical example

An assisted claim.

  1. 01

    Intake

    Report, photos and policy enter the internal appliance.

  2. 02

    Assessment

    Damage model and coverage check over the customer's own data.

  3. 03

    Recommendation

    Proposed amount with explanation and clause reference.

  4. 04

    Human approval

    Adjuster signs off; the log is bound to policy and claim.

  5. 05

    Notification

    Insured notified with rationale and policy reference.

  6. 06

    Actuarial closure

    Event fed into the internal model for the next ORSA cycle.

Regulatory map

Norm · What it requires · How we respond.

Solvency II
Risk governance, internal model validation, ORSA.
Reproducible models with full lineage; versioned validation in the Audit Chain.
IDD
Clear customer info, product suitability, conflict management.
Every recommendation includes a readable explanation logged per customer.
EU AI Act
Life/health pricing and underwriting are high-risk (Annex III).
Human-in-the-loop, technical documentation and logging by design.
GDPR Art. 22
Right not to be subject to solely automated decisions.
Mandatory human approval on denials and pricing reviews.

EU AI Act timeline: obligations confirmed for Dec 2027 / Aug 2028.

Outcomes

What changes when data does not move.

+30%
claims NPS
-25%
late-detected fraud
100%
ORSA traceability
-45%
average claim handling time

Compliance at a glance

Frameworks covered by design.

Coverage is not an optional module — it is a direct consequence of the Cognitive Server architecture.

  • Solvency II
    Covered by design
  • IDD
    Covered by design
  • EU AI Act
    Covered by design
  • GDPR Art. 22
    Covered by design

Frequently asked

What sector teams ask us.

Next step

Let’s look at what this means inside your perimeter.

A 30-minute session to assess technical and regulatory fit. No generic demo.

Request a sessionSee the architecture