Cosmic Ray – Operational Efficiency for insurance agents and bank advisors
From: Domitille Dien, Head of Product Marketing
In our latest Fall release, we introduced our 4-in-1 features as part of the Blue Moon product launch. These four powerful capabilities are designed to support a wide range of use cases, providing insurance agents and banking advisors with a unique solution to better understand their clients, anticipate their needs, respond instantly to their questions, and automate repetitive tasks — all in one place, seamlessly integrated into their existing tools.
Today, with our Cosmic Ray release, we’re back with a clear focus: Operational Efficiency.
In 2025, unsurprisingly, improving efficiency and reducing costs are among the top strategic priorities for banks and insurers. This trend is driven by a combination of economic and industry-specific factors, such as:
- The rising number of claims — particularly those linked to climate events — is significantly impacting portfolio profitability. In the U.S., insured losses from natural disasters reached $151 billion in 2024, with severe convective storms alone accounting for over half that amount. Canada faced similar challenges, for the first time in Canadian history, insured damage caused by severe weather events surpassed $8 billion, according to Catastrophe Indices and Quantification Inc. Across all lines — from P&C, which faced increasing storm and flood events, to commercial insurance where wildfires and droughts disrupt agriculture and operations — every segment is affected. These are no longer isolated incidents but structural risks — such as soil subsidence, building cracks, and repeated flooding — that insurers will have to manage for decades to come.
- Rising repair costs—driven by inflation, skilled labor shortages, and soaring auto part prices—are sharply impacting insurers’ profitability. For exemple in USA repair costs have increased by 26% over the past two years, with premiums up 15% in just the last year. Mark Garrett, director of global insurance intelligence at J.D. Power, warned that “premium increases have created a new challenge for insurers as trust is eroding… In fact, 80% of auto insurance customers who have poor claims experiences have already left or say they plan to leave that carrier”.
- Persistent inflation and high interest rates have squeezed household budgets, prompting customers to seek more affordable insurance options. For insurers, rising replacement, repair, and coverage costs have driven premiums higher, fueling a hardened market. This pressure forces insurers to deliver more efficient, personalized, and cost-effective services, while carefully managing underinsurance risks and claim expenses.
In response to these challenges, operational efficiency is no longer just an option but a necessity to protect margins, enhance customer experience, and strengthen competitiveness.For this Cosmic Ray release, we’re highlighting four new use cases implemented by some of our clients to maximize their efficiency.
For this Cosmic Ray release, we’re highlighting four new use cases implemented by some of our clients to maximize their efficiency.
1️⃣ Smart information collection
Optimize compliance, risk assessment, and needs’ discovery by asking the right questions at the right time, in a targeted and personalized manner.
2️⃣ Reliable and personalized real-time answers on your existing tools
Provide accurate, contextualized, and sourced answers tailored to each client’s profile by leveraging internal and external data—both structured and unstructured—with continuous improvement through user feedback.
3️⃣ Product strenght over competitors
Clearly showcase differentiating features, important for your clients, without needing to consult complex documents or disconnect from your existing business tools.
4️⃣ Automate decisions in your most complex processes
Automate the classification, extraction, and enrichment of data from documents to execute complex business rules efficiently.
1️⃣ Smart information collection – The right question at the right time
Client discovery, compliance, risk detection… How can agents manage it all? Advisors face strict KYC regulations, inconsistent data quality, growing product lines, and limited time with clients. Add to that varying levels of expertise, and guidance becomes even harder.
Our Magic Question feature enables you to ask the right questions at the right time, maximizing each interaction to:
✅ Stay compliant by efficiently capturing mandatory data.
✅ Qualify risks with tailored client profiling.
✅ Uncover opportunities and discover your clients’ needs with intelligent, personalized discovery questions that adapt to each client.
2️⃣ Reliable and personalized real-time answers on your existing tools – Spend less time searching, more time advising.
Responding quickly and accurately to client queries while juggling countless sources (T&Cs, product sheets, training manuals, client data…) is a daily struggle. Fragmented information and product complexity slow advisors down, waste time, and increase the risk of mistakes.
Magic Answer breaks these barriers by combining third-party data, Zelros expert content, and your own structured and unstructured data to generate fast, accurate, and tailored answers.
✅ Contextual answers based on client profile, location, and needs.
✅ Reliability and transparency with precise, hallucination-free answers with accessible sources, building user trust and engagement.
✅ Continuous improvement through feedback loops.
3️⃣ Product strenght over competitors – From reactive to proactive advice.
Outdated tools complicate sales: cumbersome product sheets, time-consuming searches, rigid systems not integrated with the CRM. The result? It’s challenging to tailor pitches to each client’s specific needs. A year ago, Zelros changed the game by introducing a customizable, pre-configured sales-support catalog, featuring sourced facts, personalized scenarios, and strategic questions.
Today, Zelros offers new ready-to-use content highlighting your strengths over competitors and identifying the key differentiators for each client. No more manually comparing complex tables in tools disconnected from your CRM. Overly detailed and difficult-to-use information no longer burdens agents or clients, enabling more impactful and persuasive sales interactions.
✅ Turn your unique selling points against the competitors into clear, impactful sales levers.
✅ Make pitches more powerful with digestible, client-friendly insights
✅ Stay compliant with all regulatory requirements in banking and insurance.
4️⃣ Automate decisions in your most complex processes – Automate the noise. Focus on what matters.
In an environment where speed and accuracy are essential, insurance agents and banking advisors are often slowed down by repetitive administrative tasks such as manual data entry, regulatory checks, client information consolidation, email writing, and interview summaries. These time-consuming processes reduce the focus on client relationships. Additionally, more complex challenges—like automating underwriting and claims processing—represent significant yet largely untapped opportunities for optimization.
Zelros simplifies and automates decision-making for complex processes involving various documents (PDFs, contracts, supporting documents, etc.) and business rules that can sometimes be unclear or subject to change.
✅ Automate advanced use cases through data enrichment (fraud prevention, KYC, underwriting, etc.)
✅ Integrate our workflows directly into your systems with our API
✅ Optimize low-value processes
➕ The Cosmic Ray Advantage: An AI consistently at the forefront of global innovation and aligned with your technology strategy.
Zelros continues to enhance its AI platform with cutting-edge models. After integrating Mistral, LLaMA, and OpenAI, we now support IBM’s Granite and Anthropic’s Claude (AWS), directly in the Zelros Studio.
This ensures our solutions remain precise, secure, and scalable—helping insurers and financial institutions personalize client interactions, improve decision-making, and stay ahead of the curve. And because every company’s tech strategy is unique, Zelros stays flexible—integrating the best LLMs for seamless compliance and IT alignment.
Far from being just another tool, Zelros transforms the daily work of agents and advisors by empowering them to act faster, more accurately, and with greater impact. While our features are called “Magic,” there’s no trick—just 8 years of deep expertise in insurance and banking. We’ve built a platform designed to simplify tasks, streamline processes, and make every client interaction count.
Questions ? Don’t hesitate to contact us!
