We continuously evaluate how your live AI agents are behaving and flag the answers that don't hold up — so you can keep scaling with confidence.
EasyEssence is the independent behavioral oversight layer for insurance AI. Every week, we sample live production conversations and score them against your actual policy documents and escalation rules — using a six-dimension rubric built for insurance agent behavior. We detect drift as your agents evolve, and deliver monthly executive scorecards your leadership can act on. We also track what the NAIC and state regulators expect of carriers deploying AI, and build the trail as we go — so when regulators come asking, you can hand them the file.
The NAIC Model Bulletin is rewriting what regulators expect from carriers deploying AI.
The Oversight Gap
Most carriers can tell you their AI is running. Few can tell you whether it's giving the right answers.
Performance & CX Analytics
Sentiment, resolution rate, talk time, CSAT, conversation intelligence. Tells you how the conversation felt and whether the system was up.
Doesn't evaluate whether the answer was actually right.
Script & Keyword QA
Script adherence, required-disclosure presence, keyword matching, prohibited-language flags. Tells you whether rule-based formatting requirements were satisfied.
Can't detect when an agent sounds right but is factually wrong.
Behavioral Risk & Decision Integrity
Are the answers actually correct? Independent evaluation of agent decisions against your policy forms, regulatory expectations, and the NAIC AIS Program framework. Six-dimension rubric, scored weekly.
Flags what doesn't hold up before it becomes a claim.
The three layers are complementary, not competitive — most insurance AI deployments will need all three.
The Cost of a Wrong Answer
A confident AI agent can sound professional while misrepresenting a policyholder's actual terms — creating liability the carrier doesn't see until it's too late.
Regulatory Fines
Misrepresented terms trigger Market Conduct Exams.
Unintended Coverage Liability
Overstated benefits can bind the carrier in court.
Claims Leakage
Wrong coverage amounts compound across thousands of interactions.
Erosion of Regulatory Trust
Repeated inaccuracies give DOIs grounds for deeper examination.
I was rear-ended last week and my car is at the shop. Does my policy cover a rental car while it's being repaired?
Absolutely — your auto policy includes rental reimbursement coverage at $50/day for up to 30 days while your vehicle is in the shop. I can help you get that set up right now.
Pass: Performance · Script Compliance · Keyword Scan
The agent cited $50/day for 30 days. The customer's actual policy endorsement shows $30/day with a 14-day cap. Wrong coverage tier applied.
Six Dimensions of Agent Behavior
Each rubric is customized per agent — a claims chatbot scores differently than a policy Q&A bot.
How We Work
Not a one-time audit. A weekly rhythm that catches drift before it reaches your customers.
Sample
Live conversations pulled weekly — random plus risk-triggered based on coverage language and escalation signals.
Score
Each conversation evaluated across six rubric dimensions against actual policy documents and escalation rules.
Flag
Below-threshold interactions flagged, classified by failure type, and ranked by severity for human review.
Report
Monthly executive scorecards with pass rates, trends, and risk exposure — built for the boardroom and the regulator.
Improve
Actionable recommendations for prompt and escalation refinements. Then we sample again.
A Decade of Governance Delivery. Now Applied to AI.
EasyEssence was built by a PMP-certified program leader with a decade of experience delivering governance and regulatory programs inside financial institutions and insurance technology organizations — from coordinating 1,700+ regulatory deliverables under federal consent orders, to building PMO governance frameworks inside a fast-growing InsurTech.
That background — knowing how oversight programs actually get built, run, and documented inside regulated enterprises — is exactly what this work requires.
Mapped to the NAIC Evaluation Tool
Our scoring framework aligns with all four NAIC exhibits — the same questionnaire regulators use during market conduct exams. Every scorecard we produce is documentation your compliance team can hand directly to examiners.
The Questions That Bring Carriers to Us
"What's our liability exposure?"
For the leaders who own risk. Your AI agents are making coverage statements on your behalf. If they're wrong, you own the outcome.
"How do we prove we're governing this?"
For the leaders facing regulators. When the NAIC Evaluation Tool arrives, you need documentation that your AI oversight is real, not theoretical.
"Can we scale without adding headcount?"
For the leaders building AI strategy. Independent oversight lets your engineering team focus on building while someone else watches the output.
"Do we have a defensible file?"
For the leaders who think in legal terms. Persistent, documented evidence of behavioral testing — ready before it's requested.
Let's Talk About Your AI Agents
Tell us what your agents handle, how they're built, and where you think the risks might be. No commitment required.
Independent assurance for insurance AI — evidence your board, your regulator, and your E&O carrier can rely on.