Marrow
Marrow provides a compliance middleware layer that enables insurance carriers to sell regulated products through AI agents like ChatGPT, Claude, and personal agents such as Muse and Dots. The platform grounds every AI-driven conversation in the insurer's live pricing and underwriting systems, enforcing jurisdiction-specific disclosure and conduct rules while maintaining a complete audit trail. Marrow is live in production with a tier-1 UK insurer.
- Insurance Technology
- Regulatory & Compliance Technology
- Artificial Intelligence
- Software Only
- AI Agents
Funding
Raised to date
$2MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
across 1 round
AIIGLCSX$2M · Pre-Seed
Announced Oct 2026 · from article date
Disclosed cumulative: $2M
Founders
Founder details are not available yet.
Product
Problem
Insurance customers increasingly interact with AI conversational agents to ask detailed, natural-language questions about coverage, but existing retail insurance systems are not designed to handle regulated underwriting, disclosure, and conduct requirements in real time. This creates a risk of non-compliant quotes, inaccurate information, and audit gaps when AI-driven interactions lead to policy binding.
Solution
Marrow provides a compliance middleware that sits between AI agents and insurers' pricing and underwriting platforms. It translates each AI-driven dialogue into a regulated quote and, when approved, a bound policy, grounding every response in the insurer's live pricing data. The platform enforces jurisdiction-specific disclosure, suitability and conduct rules during the conversation, blocks non-compliant model outputs, and records a complete audit trail of the interaction. Integration requires no changes to the insurer's core systems, allowing existing infrastructure to be leveraged across any digital channel. Marrow also offers analytics on chat-to-quote-to-bind funnels, hallucination rates, and data-accuracy metrics to help insurers monitor and improve AI performance. The company is also publishing the AMI (agentic mediated insurance) protocol as an open standard for AI insurance distribution.
Target Audience
Primary customers are insurance carriers and underwriters that offer regulated products (e.g., motor, travel, and property insurance) and need to enable AI-driven sales or support channels while maintaining compliance. The platform also serves AI developers and partners seeking to embed compliant insurance distribution into their experiences.
Features
- Real-time compliance monitoring that validates disclosures, legal text, and advice boundaries per jurisdiction during the AI conversation
- Output control that grounds AI responses in the insurer's approved knowledge base and pricing engine, with a full audit log of source data for each interaction
- Seamless API integration that connects to existing pricing and underwriting systems without modifying core platforms
- Conversion analytics dashboard tracking chat-to-quote-to-bind funnels, hallucination rates, and data-accuracy, with exportable reports
- Cross-model consistency scoring to ensure uniform compliance across multiple AI agents and channels
- FAQ search tool that allows LLMs to pull answers directly from the insurer's knowledge base, with updates reflected across all connected AI platforms immediately
- Gate enforcement for multi-step quoting and escalation workflows
- Protection against fraud and prompt-injection techniques, with defences that harden with each deployment across the network