INSURANCE
Underwrite, settle and reserve on evidence.
Sovereign AI and Digital Twins for insurers and reinsurers operating in West Africa.
Underwriting, claims, reserves: one chain.
An insurer’s promise is only as good as its view of the portfolio behind it. Policies, claims, reinsurance and reserves usually live in separate systems, and the link between them is rebuilt for each closing.
Filao builds the replica of the insurer from its own data, within its own jurisdiction — so that the chain from premium to settlement can be read, traced and tested as one system.
USE CASES
Where the twin earns its place
Read the portfolio as it is written.
Consolidate policies, premiums, claims and reinsurance across systems into one structure, and see the portfolio as it actually stands — not as the last report described it.
Structure claims. Flag inconsistencies. Settle faster.
Turn claim files into structured summaries, flag inconsistencies and possible duplicates, and prepare a first assessment for the handler — who decides.
Trace reserves back to the claims behind them.
Link every reserve line to the files it rests on, for your actuaries and for the regulatory statements insurers owe their supervisor — the CIMA Code within the zone.
Simulate a tariff before it goes to market.
Test a pricing change, a new product or a reinsurance structure inside the twin, and observe its effect on the portfolio before it reaches a policyholder.
An insurer’s promise is kept or broken in its claims. The system’s role is to make sure it knows which, in time.
Your data. Your jurisdiction.
Data residency
Data stays on national territory, under national jurisdiction. It is not routed through third-country infrastructure by default.
Infrastructure
Deployed on-premise or on a sovereign cloud the institution controls, with no dependency on an external party to keep running.
Models
Language models deployed locally, with weights the institution can access and audit. No core function relies on a third-party API.
Access & audit
Access control, audit logging and segregation of duties are built into the architecture — and open to the institution’s own review.
Frequently asked questions
What does Filao Capital do for an insurer?
We build a structural replica of the insurer from its own systems, then deploy sovereign AI on it to read the portfolio, support claims handling and trace reserves.
Does it decide on claims?
No. It structures files, flags inconsistencies and prepares an assessment. Claims handlers review, decide and remain accountable.
Where is policyholder data processed?
On the insurer’s infrastructure or on a sovereign cloud it controls, on national territory, with models running locally.
Does it replace our policy administration system?
No. The twin connects to existing systems and reads from them. It adds a structural view on top of them; it does not replace them.
How does an engagement start?
With a scoping conversation under mutual confidentiality. There is no public onboarding process.
See the chain from premium to settlement.
Discuss how the Digital Twin applies to your company, under confidentiality.