Software and AI for brokerages and insurers (insurtech)
We build software and AI for brokerages and insurers (insurtech) where every contractual detail is costly and leads don't respect business hours. Instead of generic solutions, we deliver contract analysis with multi-agent architectures, 24/7 lead qualification, and end-to-end plan sales inside the app, all auditable and custom-built.
Where the operation gets stuck in Insurance & Health Plans.
In the insurance and health plan market, qualified work is expensive and scarce. Analyzing a health plan contract mixes bureaucratic parts (checking a field, cross-referencing information) with clinical-legal judgment, and consumes 2 to 3 hours of a rare analyst who combines healthcare knowledge with contract knowledge. Hiring more people is expensive, slow, and doesn't address the real bottleneck.
On the sales side, the broker spends most of their time qualifying leads, not closing them. And leads don't respect business hours: people research plans when they're worried about the subject, often at night. The brokerage that takes 12 hours to respond loses to whoever responded first. Multi-product brokerages suffer even more: training someone on 25 products is expensive, and even once trained, they specialize in a few and push the rest to a colleague: the lead cools off during the handoff.
And traditional plan sales are a days-long process: prospecting, presentation with printed material, paper forms, slow administrative review, and in-person signing. Every day added to the cycle is one more chance for the customer to give up, all under the ANS regulatory bar, where a mistake produces an invalid contract.
Technology custom-built for Insurance & Health Plans.
NexUnio builds custom solutions anchored on scale freedom: growing without inflating qualified headcount. At Affix, we built a 14-specialized-agent architecture that cut contract analysis from 2-3 hours to about 20 minutes (~90% less time), with 94% accuracy in the pilot, plus a report with a confidence score per clause, so the analyst focuses exactly where the system flagged doubt.
For sales qualification, we build agents that handle leads 24/7 and hand the human broker a complete, documented profile: the agent qualifies and presents, closing stays human (HTK). For broad catalogs, Cotando Seguros' multi-agent router architecture lets Gabi handle more than 25 products without losing specialization in any of them: adding a new product doesn't require retraining the entire operation.
And when the sale needs to become a digital product, we build the entire cycle inside the app, like Alter ON, a native app for selling health insurance with prospecting, health declarations, traceable administrative review, and legally valid electronic signatures: 78,800 leads, 71,900 orders, and R$ 61.49 million billed through the app. See also custom AI and app development.
Explore the services behind this: custom AI, AI agents, process automation and app development.
For health plan brokerages, NexUnio Health brings together the solutions dedicated to the sector:
Real results, in production.
Insurance & Health Plans, no fine print.
Can AI safely analyze health plan contracts?
Yes, with an auditable architecture. At Affix, 14 specialized agents validate coverage, waiting periods, reimbursement, provider network, and other clauses in parallel, generating a consolidated report with a confidence score per clause. Analysis dropped from 2-3 hours to about 20 minutes, with 94% accuracy in the pilot, and doubtful cases are explicitly flagged for a human.
Does the agent replace the broker at closing time?
No, and that's intentional. At HTK, the agent handles leads 24/7, qualifies the full profile (individual or business client, age range, number of people covered, city, budget) and presents compatible plans, but never tries to close. Closing stays human, and the broker receives a ready lead, with the full qualification documented.
I have dozens of different products. How does the AI avoid being too generalist?
We use a multi-agent router architecture: a main agent identifies the intent and routes it to the right specialist agent for that product. At Cotando Seguros, Gabi handles more than 25 products (Auto, Consortium, Life, Home, Business, and others) without the customer noticing the transition, and each product's specialized knowledge stays preserved.
Can you sell health insurance entirely inside an app?
You can. At Alter ON we built a native app (iOS and Android) with the entire cycle: prospecting, presentation of compatible plans, step-by-step validated health declarations, traceable administrative review, and legally valid electronic signatures. The app has already generated more than 78,800 leads, 71,900 orders, and R$ 61.49 million billed.
How does NexUnio ensure compliance and traceability?
We build with traceable flows and step-by-step validation, respecting regulatory requirements like ANS's. Every analysis has a confidence score, and every step of the app is logged. We're a software house with 16 years in the market and more than 150 companies served, with a senior team involved from the first contact. Schedule 30 minutes so we can go over your case.