Yukthi Labs
    Agentic AI for Insurance

    AI that does the work of insurance.And defends every decision it makes.

    Yukthi is the agentic AI platform for risk decisions across the insurance value chain. It reads, reasons, and decides across underwriting, claims, and distribution, with every decision governed and auditable.

    Start with a problemSee the platform

    Built for insurers, MGAs, brokers, reinsurers, and TPAs

    D&O renewal decisioning
    D&O renewal · live underwriting flow
    insured/ACME-HOLDCO
    1. Submission receivedBroker renewal pack
      running
      SlipLoss runsFinancial statementsPrior policy
    2. Documents readFields extracted
      queued
      Limit · USD 10M
      Retention · USD 250K
      Prior claims · 2
      Jurisdiction · UK
    3. Contradiction surfacedMaterial discrepancy
      queued
      Claim in loss run not disclosed in proposal form
      flagged · material
    4. Rules checkedRegulatory & appetite
      queued
      • FCA disclosure obligations · pass
      • Sanctions & KYC · pass
      • Appetite: financial lines · in-scope
    5. DecisionReferred to underwriter
      queued
      Recommendation · renew with revised retention
      Referred to underwriter
      Reasoning trail attached
    Renewal ready for underwriter review
    cycle · 3m 48s

    Insurance runs on risk decisions. Most are made with half the picture.

    Why → the Yukthi Framework

    Decisions, not drafts.

    Every decision runs through three gates.

    Yukthi's three decision gates: KNOW consolidates the risk, UNDERSTAND applies insurance reasoning, DECIDE produces an auditable action or referral to the underwriter.

    KNOW. Everything you hold on a risk, consolidated. Contradictions surfaced, not buried.

    UNDERSTAND. Insurance reasoning applied: what is material, what regulation attaches, what predicts.

    DECIDE. An action or a referral to your underwriter, with the reasoning trail attached.

    Two solutions, up close.

    Every solution runs the same platform. These two show it end to end.

    D&O Renewal Underwriting.

    The full agentic value chain: reads the renewal file, surfaces contradictions, validates regulatory obligations, delivers an auditable recommendation. Judgment calls go to the underwriter, not past them.

    Agentic D&O renewal underwriting pipeline from renewal file to auditable recommendation with referral to underwriter.
    Explore the solution

    Persistency Renewals.

    A production-proven reinforcement learning engine, built for insurance. Every renewal treated as a decision: which intervention, for which policyholder, at what cost.

    Reinforcement learning decision loop for insurance persistency renewals: decide, intervene, outcome, learn.
    Explore the solution

    Also running on the platform: submission triage · FNOL adjudication · bordereaux reconciliation · compliance audit · portfolio steering · Explore all solutions →

    Built for regulated insurance.

    PROTECT

    Guardrails on every action.

    CONSTRAIN

    Scope, permissions, data residency.

    ADAPT

    Human-in-the-loop across the value chain.

    PROVE

    Audit trail on every decision.

    Audit trail on every decision. Guardrails on every action. Human judgment in the loop. Your data residency, with regulatory awareness across IRDAI, FCA, NAIC, CBUAE, and SAMA.

    ISO 27001 Aligned·SOC 2 Ready

    Explore our governance framework

    Integrates with your core

    Guidewire · Duck Creek · Majesco · Salesforce · Genesys · Snowflake

    We plug in. We don't replace.

    One platform. The whole chain.

    Start with one decision that matters.

    A slow submission queue. A leaking claims file. A book you cannot steer. Pick one, and we will show you what defensible AI does with it. Specifically.

    Start the conversation