Policy Wording Comparison Assistant

• Product Manager, Health or Commercial Lines
• Broker Placement Lead
• Underwriter
• Legal and Compliance Counsel

Policy wordings change at every renewal, product refile and negotiation with a corporate client's broker. A narrowed definition, a new sub-limit or a moved exclusion can hide inside a document that looks almost identical to last year's, and finding it means slow, careful reading line by line.

We build a comparison assistant that reads policy wordings, endorsements and customer-facing summaries and breaks each into clauses with their numbering and headings. It aligns equivalent clauses across documents even when they are reordered or renamed, then classifies each difference as added, removed, narrowed, broadened or editorial. A parameter table pulls the items your team cares about, such as waiting periods, sub-limits, co-pay, deductibles and territorial limits, into one view with clause citations. Users can ask questions across the documents and get answers that quote the clause or say it was not found. It is a drafting and review aid, not a coverage opinion.

• Segments wordings, endorsements and schedules into clauses, keeping numbering and headings
• Aligns equivalent clauses across versions and insurers, even when reordered or renamed
• Classifies each difference as added, removed, narrowed, broadened or editorial
• Builds a parameter table for limits, waiting periods, co-pays, deductibles and exclusions, with citations
• Checks customer information sheets and brochures against the wording for inconsistencies
• Answers questions across the document set, quoting the clause or stating that it was not found

1. 01Load the document setUsers upload the wordings, endorsements and summaries to compare, tagged by version and source.
2. 02Segment into clausesEach document is split into clauses with numbering, headings and cross-references preserved.
3. 03Align equivalent clausesClauses are matched across documents, and low-confidence alignments are flagged for a reviewer.
4. 04Classify differencesEach aligned pair is labelled by type of change, with the changed text highlighted.
5. 05Build the comparison tableAgreed parameters are extracted into a table, with each cell citing its clause.
6. 06Review and exportA product, legal or placement reviewer confirms material differences and exports the redline and table.

1. Document intake
   • Upload and version tagging
   • PDF and Word parsers
   • OCR for scanned wordings
2. Clause modelling
   • Clause segmenter with numbering detection
   • Definition and cross-reference resolver
3. Comparison
   • Clause alignment using headings and semantic similarity
   • Difference classifier
   • Parameter extractor
4. Review and Q&A
   • Side-by-side redline viewer
   • Material change sign-off
   • Question answering with clause citations
5. Output and audit
   • Excel and Word export
   • Version and review history

Product, legal or placement staff review every difference marked as material before it is used in a filing, a client comparison or a negotiation. The assistant never states whether a specific loss or claim is covered.

• Document management system or SharePoint
• Product filing workspace
• Broker placement platform
• Microsoft Word and Excel export
• CRM for client comparison records

• Answers only from the uploaded documents, with clause citations
• States 'not found' instead of filling gaps from general knowledge
• Material-change labels confirmed by a person before export
• Exact document versions recorded for every comparison
• No coverage opinions or claim decisions

• Helps product and compliance teams check that customer information sheets and brochures match the wording, in line with IRDAI's emphasis on clear and consistent disclosure to policyholders.
• Outputs are review aids for qualified staff, not legal advice.

• Insurance

  Commercial Underwriting Submission Intake

  Turn broker emails, proposal forms, schedules of values and loss histories into a structured, checked submission record, with gaps and appetite issues flagged for the underwriter.

• Insurance

  Mis-Selling and Disclosure Testing for Insurance Bots

  Test insurance sales and service bots for mis-selling, missing disclosures, prompt injection and data leakage, in English, Hindi and Hinglish, with transcript evidence for every finding.

• Legal

  Contract Clause Extraction and Risk Flags

  Extract key clauses, dates and obligations from executed and incoming contracts, compare them with your playbook and flag deviations, with every item linked to the clause it came from.

• Legal

  NDA Review and Redline Suggestions

  Review incoming NDAs against your playbook, produce tracked-change redlines with comments in Word, and send only the non-standard ones for full lawyer review, so routine NDAs stop queuing.