4 ways to leverage AI in your banking and insurance distribution process.
The year 2025 began with a significant increase in discussions about Agentic AI, a term that refers to artificial intelligence systems capable of making decisions and taking actions with minimal, or even no, human intervention. Despite this heightened interest, the specific applications and use cases of Agentic AI in banking and insurance remain vast and could we say “unexplored”.
When considering general large language models (LLMs) like ChatGPT or Microsoft Copilot, it’s impressive how well they provide answers to general topics and big-picture questions. However, when it comes to specialized industries and specific advice, there is still considerable room for improvement. This is where trained AI models, along with language models protected by secure parameters, can help unlock many unexplored use cases.
Here are 4 ways that your team can leverage AI to improve efficiency, provide a better customer experience, and define upsell or cross-selling opportunities
The TL;DR:
- 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.
- 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.
- Product strength over competitors: Clearly showcase differentiating features, important for your clients, without needing to consult complex documents or disconnect from your existing business tools.
- Automate decisions in your most complex processes: Automate the classification, extraction, and enrichment of data from documents to execute complex business rules efficiently.
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1️⃣ Smart information collection – The right question at the right time
We can’t deny the power of asking the right questions; that is important in building relationships and in sales. Client discovery, compliance, and risk detection—how can agents effectively manage all of these responsibilities? Insurance producers and financial advisors must navigate stringent Know Your Customer (KYC) regulations, address inconsistent data quality, manage a growing range of products, and work within tight timeframes for client interactions. Furthermore, the varying levels of expertise among advisors add to the challenges they face.
Leveraging trained AI Agents for financial and insurance products, AI agents could provide producers and advisors with a set of relevant questions either through a direct face-to-face conversation, through call or digital channels, 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 and 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.
Use a trained AI Agent to break 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 strength 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 that highlights your strengths over competitors and identifies 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.
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