AI market research for insurers, from quote to claim.
Customers judge an insurer at a few rare moments: the quote, the claim and the renewal. Jean interviews people right after those moments and turns each interview into a digital twin you can keep asking.
Asked of every claimant
“When did you first doubt we would treat you fairly?”
- 6/80Day 0First notice of lossHold time on the claims line
- 9/80Day 1Adjuster assignedThree different people called
- 7/80Day 3InspectionPhotos asked for twice
- 34/80Days 4 to 12Waiting on the estimateNo update after the inspection
- 15/80Day 14Repair and rentalRental ended before the repair
- 9/80Day 21PaymentCheck lower than the shop's quote
Biggest breakThe silent week after the inspection, not the payment.
“Nobody told me anything for eight days. I started getting quotes from my couch.”Claimant, rear-end collision, 6 years with the carrier
Next: test three status-text scripts on 1,000 claimant twins, then confirm the winner with 40 new claimants overnight.
Claimants, shoppers and agents, right after the moments that count.
What teams run
Each study starts with a question like one of these.
Claims experience research
“At what point in the claim did you start to doubt we would pay fairly?”
Shopping and switching
“What made you get quotes this year, and why did you stay or leave?”
Renewal and rate increase notices
“After reading this renewal notice, what do you think happened to your premium, and why?”
Agent and broker research
“Why does an independent agent quote us second, or not at all?”
Coverage comprehension
“What do you think replacement cost covers on this homeowners policy?”
Telematics and new product concepts
“Would you let an app score your driving for a lower premium, and what would make you stop?”
Reach claimants while the claim is fresh.
A claim is rare and memory fades fast. Invite recent claimants from your own lists, and the interviewer talks to a hundred of them overnight, by text or voice. By morning you know which step of the claim broke their trust.
Hear agents and brokers, not only policyholders.
Independent agents decide which carrier to quote, and they are hard to book. They can answer by text between appointments. Ask the same question of agents and customers and see where they disagree.
Test notices and policy wording before they go out.
Show a renewal letter or a coverage explanation to a thousand digital twins and ask what it means. Find the sentences people misread in minutes. Then confirm the fix with real policyholders overnight.
How you run it
- 1Minutes
Screen
A thousand digital twins answer first, so the weak options drop out.
- 2Overnight
Interview
The AI interviewer talks to real people and follows up on what they say.
- 3By morning
Decide
The number, the reasons behind it and the quotes that carry it.
Questions
How is AI market research used in insurance?
Insurers use it to hear from claimants, shoppers, policyholders and agents quickly. Common studies cover the claims journey, why customers shop at renewal, how people read notices and policy wording, and how agents choose which carrier to quote.
Can Jean interview recent claimants?
Yes. Invite them from your own lists or have us recruit to your spec. People can answer by text or voice at their own pace, which matters after a loss. Most studies need no claim file details, so we recommend screeners that leave them out.
Can Jean interview independent agents and brokers?
Yes. Jean interviews agents, brokers and small business owners, recruited to your spec or invited from your own agency lists. Text interviews let an agent answer between client meetings.
Can digital twins be used for pricing or underwriting?
No. Jean is a research tool for products, messages and customer experience. Rating, underwriting and claims decisions belong in your own models and governance, which many states now review under the NAIC model bulletin on AI.
How is policyholder data handled?
Most insurance research needs no policy numbers or claim files, so design studies that do not collect them. If you invite customers from your own lists, agree the data handling with us before fieldwork, including your privacy notice and vendor review.
Can our agency offer this to insurance clients?
Yes. Research agencies and panel companies resell Jean's AI interviewer and digital twins under their own brand. Jean runs the technology; you keep the client, the method and the margin.