Launch native AI protection products in
30 days

Subcontext is the decision layer that connects marketing, product and reinsurance. Build AI into your existing systems, project by project, live in production.

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Our technology integrates with:
Protection insurers Reinsurers Bancassurance partnerships Aggregators Distribution

An AI-native layer between customers and your existing protection stack.

No rip-and-replace.

Subcontext sits as an orchestration layer between conversational channels and the PAS, underwriting engines and reinsurance systems you already operate.

Customer
channels
Web chat WhatsApp Voice AI email Embedded agent
↓   conversation, intent, disclosure   ↓
Runtime
Subcontext orchestration layer
Agent runtime Policy gating Underwriting decisioning Memory + context Compliance log FCA conduct rules
↓   structured data, decisions, bind   ↓
Your
infrastructure
Policy admin (PAS) Underwriting engine Reinsurance treaty Payments Bordereau / reporting

The protection gap is growing because legacy systems cannot deliver personalised insurance at scale.

Three questions every life and health insurance business is asking right now.

Q:

Can our technical infrastructure support AI-native distribution? Can we afford it?

Q:

How can we make launching a new insurance product cheaper and quicker?

Q:

What happens when life and health insurance becomes conversational?

Subcontext creates end-to-end AI-native insurance.

We use orchestration to break into the protection process project by project. No transformation programme. No system replacement. Just the right AI applied properly to real customer journeys, live in production.

0 days
To live production
0 systems replaced
Existing infrastructure preserved
1 orchestration layer
Across distribution, underwriting and reinsurance
Real-time
Conversation to policy execution

“The first insurer to deploy an autonomous distribution layer will acquire customers at structurally lower cost.”

The 30-day pilot

From scoping call to live in production in four weeks.

Each pilot targets one real customer journey, a real product, a real channel, a real cohort. No transformation programme but defined outcomes and real data.

Week 1
Scope and access

Define the journey, agree the success metric, get access to the relevant systems. NDA, data agreement, regulatory mapping.

Week 2
Configure

Product configuration, underwriting rules, conversational flow, policy gates. The AI runtime is wired into your PAS, underwriting and reinsurance systems.

Week 3
Test in production

Controlled cohort goes live. We monitor every conversation, decision and bind in real time. Tune in hours, not quarters.

Week 4
Production

Cohort expansion. Live commercial outcome measured against the success metric agreed in week 1. You decide whether to scale, iterate or stop.

Who we work with

Three categories. One system.

01 — Insurers

For life and health insurers.

  • Launch a D2C protection brand in 30 days
  • Reduce customer acquisition cost on existing products
  • Run conversational underwriting on simplified-issue cover
  • Resurrect shelved products that couldn't justify a 2-year build
02 — Reinsurers

For reinsurers.

  • Move from last-to-know to first-to-learn on live cession data
  • Test new pricing in market without waiting for bordereau cycles
  • Trial behavioural-data products and wearable cohorts
  • Sit closer to the customer through cedent partnerships
03 — Distribution

For bancassurance and direct partners.

  • Add protection to an existing customer base via conversation
  • Replace cold-call telesales with AI-native distribution
  • Embed protection journeys into your app, site or chat platform
  • Re-engage unconverted leads and recover lost demand
What's coming

The shape of conversational protection in 2027.

S
S
D2C distribution is a conversation.

Native AI agents sell directly across web chat, WhatsApp and AI email. Humans are escalated to for advice, edge cases or compliance.

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Products become digital-first.

Agents automate actuarial jobs, collect disclosures, price the risk, bind cover, take payment and manage cancellations — without a telesales team.

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Reinsurance moves first.

The reinsurer moves from last-to-know to first-to-learn. New behavioural-data classes are priced and distributed in real time, opening new markets.

Get started now

Continue the conversation with our native AI chatbot.

S
Subcontext AI · ready
Hi there 👋 How can I help?
Pick a conversation starter below:
Launch a Native AI chatbot Build a new protection product Lower customer acquisition costs Launch new protection partnership Tell us about another project

Bring us a problem to solve.

A 30-minute call with a member of the founding team. We'll scope a pilot, or tell you honestly when something isn't a fit.

What to expect
  • A direct conversation with a founder, not a sales pitch
  • If there's a fit, an outline of a 30-day pilot within a week
  • If there isn't, an honest reason why and an onward introduction if useful
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Book a 30-min call.

We respond within one working day.

Or email hello@subcontext.com