Our Top 3 Agentic Insurance Workflows to Build First

How Instant Works

1. Define the workflow by describing steps or uploading a process map.
2. Choose task-specific agents from AgentFlow, such as Document AI for data extraction or Conversational AI for handling customer interactions.
3. Use a visual builder to arrange agent actions and handoffs.
4. Set approval thresholds, escalation rules, and audit checkpoints.
5. Run tests with real or synthetic claims, policies, or documents.
6. Deploy to production or integrate with core systems via API.

For a full breakdown, explore our guide to setting up agentic workflows from start to finish.

1. Insurance Underwriting

Why Start Here

Insurance underwriting is document-heavy, logic-driven, and loaded with edge cases. It is a perfect starting point for agentic automation, especially in life, health, and commercial lines, where AI can cut turnaround time and surface exceptions for human review.

AgentFlow is built to manage this complexity, enabling insurers to ingest applications, verify risk factors, apply underwriting rules, and generate compliant policies—all through orchestrated AI agents.

Agentic Workflow Overview

What You’ll Build in Instant

• Upload a sample package (ACORD forms, inspection reports, loss runs)
• Use Document AI to extract and structure data (e.g., property characteristics, prior claims, replacement cost)
• Add a decision rule ("Flag for review if property age > 40 years and prior claims > 1")
• Set confidence thresholds: Auto-approve at >95%, escalate <80%
• Output a JSON file and a formatted rate-and-quote summary using Report AI

2. Claims Adjudication

Why Start Here

Claims adjudication is where insurers win or lose customer trust. The process is document-intensive, compliance-bound, and full of manual checks. Agentic workflows compress cycle times, reduce leakage, and ensure every decision is traceable.

AgentFlow coordinates the entire adjudication process by triaging FNOL, validating policy terms, applying decision logic, and generating audit-ready documentation using purpose-built AI agents.

Agentic Workflow Overview

What You’ll Build in Instant

• Upload a sample package (FNOL, police reports, repair estimates)
• Use Document AI to extract and structure data (e.g., incident details, policy coverage, damage estimates)
• Add a decision rule ("Flag for review if repair estimate > $15,000 and vehicle age < 1 year")
• Set confidence thresholds: Auto-approve at >95%, escalate <80%
• Output a JSON file and a formatted claims summary using Report AI

3. Customer support

Why Start Here

Support teams in insurance spend hours responding to document requests, status updates, and policy clarifications. Most of this work is repetitive and can be handled by agents. AgentFlow routes inbound queries to the right AI agents, retrieves answers from policy documents and internal systems, and ensures customer responses are fast, accurate, and fully traceable.

Agentic Workflow Overview

What You’ll Build in Instant

• Upload a sample package (customer emails, policy documents, chat transcripts)
• Use Document AI to extract and structure data (e.g., customer intent, policy number, sentiment)
• Add a decision rule ("Route to billing department if intent is 'payment query'")
• Set confidence thresholds: Auto-approve at >95%, escalate <80%
• Output a JSON file and a formatted customer interaction summary using Report AI

Automate the Insurance Work That Creates Real Impact

Start with workflows that combine risk, regulation, and repetition. This is where agentic AI delivers the greatest value.

With Instant, you're deploying real AI agents into production insurance systems, not just testing ideas.

Other Agentic Workflows You Can Build 

Once you’ve deployed underwriting, claims processing, and customer support, you can expand into broader insurance workflows:

• Life Insurance Claims Processing: Automate life insurance claims from intake to payout. Classify documents, verify coverage and beneficiaries, run contestability checks, calculate payouts, and generate regulatory reports with a complete audit trail.
• Reinsurance & Brokers Ops: Automate bordereaux ingestion, treaty document processing, and exposure reporting with Document AI + Report AI.
• Commercial Insurance Automation: Use Decision AI to review endorsement requests or renewal submissions, escalate unusual cases, and generate policy amendments.
• Accident & Health Insurance Automation: Deploy Database AI and Decision AI for provider credentialing, eligibility verification, and network‐change workflows. 

These use cases align with how AgentFlow supports end‑to‑end automation in insurance, which makes it possible to build more than just point solutions. 

Why AgentFlow Beats the Alternatives

Most automation tools focus on narrow tasks or isolated interactions. Instant, combined with AgentFlow, was designed specifically for insurance teams to build and run complete, governed workflows that operate in real production environments, not just surface-level chat or sandbox experiments.

Unlike horizontal platforms, AgentFlow supports full lifecycle workflows across underwriting, claims, and customer operations, with audit trails, confidence thresholds, and production-ready deployments that insurers can trust.

Curious What Instant Can Do for Your Insurance Ops?

Instant is built for insurance teams ready to automate real work. Production workflows like underwriting and claims can be deployed in minutes using Instant 1.0 with no heavy lift required.

Instant 2.0 will add even more orchestration power.

Ready to get started? Book a demo and see how Instant powers agentic workflows within AgentFlow.

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