A system that automates underwriting assessment using generative AI began business implementation for smartphone insurance underwriting assessment. Full-scale operations began on 30 October 2026, with operations proceeding under a practical model designed to ensure reliability.
Nissay Plus Small Amount and Short-Term Insurance, part of the Nippon Life Group, and Finatext built a system to automate underwriting assessment using generative AI, with business implementation for smartphone insurance underwriting assessment beginning on 30 October 2026. The implementation is based on a practical model for responsible use, addressing issues including black-box processes, accountability and bias mitigation. The companies' policy of improving efficiency while meeting cost targets through an implementation model is described in the text.
Inspire's AI workflow platform is used as the core system. The design combines AI inference, rule-based logic and human approval to advance partial automation.
The initiative implemented smartphone insurance underwriting assessment automation on Inspire's standard AI workflow platform. Development began in July 2026, and the system was built in approximately 4 months. It is positioned as part of an operating structure based on a practical model for the responsible use of generative AI.