Give regulated personal advice
Recommending a specific product to a specific client is licensed work. The AI surfaces the analysis; the human broker holds the licence and makes the call.
AI
What the AI will, and won't, do.
Guardrails built in, not bolted on. The list of refusals is as important as the list of features.
WHAT IT WILL DO
The work it's built for.
Read documents
Extract, structure and index any PDS, slip or wording.
Compare options
Surface differences between policies with citation evidence.
Cite everything
Every answer linked to the clause it came from. No exceptions.
WHAT IT WILL NOT DO
Four hard refusals.
Quote prices
Premium is a function of underwriting, not text analysis. The AI won't speculate on what something should cost.
Make claims decisions
Claims acceptance and quantum are insurer functions. The AI describes the wording. It doesn't bind the insurer.
Hallucinate coverage
If the document doesn't say it, the AI doesn't say it. Refusals are designed in.
HUMAN IN THE LOOP
The broker is never the bottleneck, and never the spectator.
Unrisq accelerates the work a licensed broker would do anyway. It does not replace the licensed judgement that turns analysis into advice.
Every output is structured for human review. Outputs that look low-confidence are flagged. Outputs that depend on assumptions name those assumptions explicitly.
The principle is simple: the AI handles the reading. The broker handles the relationship.
Designed to refuse, not to please.
Refusals are designed in. Citations are the foundation.