Governing AI across insurance workflows.
Underwriters, claims adjusters, and customer service teams are adopting AI for document review, loss analysis, coverage recommendations, and policyholder support. Every prompt is a potential NPI exposure vector. Arbitex puts a governance layer in front of every AI call — inspecting, enforcing, and logging before any data reaches a model.
Policyholder data flows through every AI prompt.
Insurance carriers, MGAs, and reinsurers are deploying AI across underwriting, claims processing, fraud detection, actuarial analysis, and policyholder communications. Employees type policy numbers, diagnoses, financial account data, and personal identifiers into AI applications — often without recognizing the NPI exposure in each prompt.
Insurance regulation is fragmented and state-specific. The NAIC Insurance Data Security Model Law, GLBA NPI safeguards, and state privacy frameworks like CCPA and the SHIELD Act apply simultaneously across carriers operating in multiple jurisdictions. Most AI gateways offer no NPI-specific detection, no jurisdiction-aware policy controls, and produce audit logs that don't satisfy state department of insurance examination requirements.
Arbitex was designed for regulated data environments. The 3-tier DLP pipeline detects policyholder PII, medical data, and financial identifiers in every AI transaction. The compliance bundle framework maps to NAIC, GLBA, and state privacy requirements without manual rule configuration. Every enforcement action is logged in a tamper-evident, examination-ready audit trail.
Built for insurance data protection requirements.
PII and NPI Detection at Every Layer
The 3-tier DLP pipeline inspects every AI request and response for Non-Public Personal Information (NPI), Social Security numbers, policy identifiers, claims data, and medical record numbers. Tier 1 applies 80+ regex patterns, with checksum validation where applicable (IBAN, ABA routing, NPI, DEA, ITIN, EIN, and similar regulated identifiers) for structured identifiers. Tier 2 uses ML-based entity recognition for free-text detection of policyholder names, diagnoses, and financial account data. Tier 3 applies contextual analysis before enforcement.
State Insurance Regulation Compliance
Insurance regulation is state-by-state — CCPA in California, SHIELD Act in New York, and dozens of state-level privacy laws apply to policyholder data. Arbitex compliance bundles map to the NAIC Insurance Data Security Model Law and state-specific NPI handling requirements. One policy configuration governs AI across all jurisdictions you operate in.
Examiner-Ready Audit Logs
State insurance department examinations require documented evidence of data handling controls. Every AI enforcement action is written to an tamper-proof, append-only audit log with tamper-evident records. Retention is configurable. Signed exports are available in CSV and JSONL for regulatory examination requests and internal compliance reviews.
Claims and Underwriting Data Protection
AI is entering claims processing, underwriting assistance, and fraud detection workflows — all of which involve sensitive policyholder data. Arbitex governs AI at the model boundary for each workflow independently: different policy configurations per use case, per team, or per product line, all enforced through the same gateway layer without application code changes.
Multi-Provider Governance Under One Policy
Insurance carriers and MGAs use AI across actuarial modeling, customer service, document processing, and agent support tools — often from different vendors. Arbitex governs 9+ LLM providers under a single policy layer. One compliance configuration applies across every model endpoint your teams access, regardless of which AI provider powers each application.
Data Residency for Hybrid Deployments
For carriers with data residency requirements — state data localization rules, reinsurance agreements, or internal data governance policies — the Hybrid Outpost model runs the inspection and enforcement layer inside your VPC. Policyholder data is inspected, enforced, and logged entirely within your infrastructure. No NPI transits Arbitex-controlled systems.
How it works
Underwriter or claims adjuster submits an AI request
An underwriter reviewing a commercial account, a claims adjuster processing a loss, or a customer service rep assisting a policyholder submits a prompt through an AI application. The request enters the Arbitex gateway. The 3-tier DLP pipeline runs immediately — Tier 1 regex catches policy numbers, SSNs, account identifiers, and medical codes. Tier 2 applies ML-based entity recognition to identify policyholder names, diagnoses, and financial account data in free text. Tier 3 contextual analysis confirms ambiguous matches before enforcement.
Policy enforces NPI handling rules in-path
Based on your configured compliance bundle, the gateway blocks, redacts, or routes the request per your organization's NPI handling policy. Role-based access controls ensure employees only interact with AI capabilities appropriate for their function and product line. Every enforcement action is recorded — the policy version, the detection result, the action taken, and the authenticated identity of the requestor.
Immutable record supports examination and audit
Every event in the chain — request received, NPI detection, enforcement action, model response, response inspection — is written to the tamper-proof audit log. Records cannot be modified after creation. Signed exports are available in formats suited to state department of insurance examination requests, internal audit review, and board-level risk reporting.
Frameworks covered by the insurance bundle.
Each framework requirement maps to a specific Arbitex capability — not a general claim.
AI model access controls and incident response capabilities mapped to the NAIC data security model adopted by 24+ states. NPI access is role-governed and logged.
NPI safeguards for insurance carriers subject to GLBA. DLP pipeline detects and enforces handling rules for nonpublic personal financial information in every AI transaction.
Consumer personal information detection and enforcement for carriers operating in California and states with equivalent privacy frameworks. Data subject right workflows supported via audit log exports.
For publicly traded carriers and intermediaries, tamper-proof audit logs provide tamper-evident records that support disclosure controls and financial reporting integrity requirements.
Related Resources
Ready to govern AI across your insurance workflows?
Talk to an Arbitex engineer about NPI detection configuration, NAIC model law compliance bundle setup, and examiner-ready audit log options for your carrier environment.