HDI Seguros and insureMO Deploy GenAI Agents to Slash Insurance Product Development Time by 85%

HDI Seguros and insureMO have moved generative AI beyond customer service into the core product engineering lifecycle. By automating the configuration of insurance products, the partnership aims to reduce development time by 85%, allowing carriers to migrate complex portfolios and launch new offerings with significantly higher speed and lower operational friction.

What was announced

HDI Seguros and insureMO have entered the next phase of their strategic partnership, focusing on the application of generative Artificial Intelligence (AI) agents within the engineering and product factory lifecycle. This move follows a large-scale production project where HDI integrated a life insurance portfolio acquired from Sompo onto the insureMO architecture. This integration was completed in less than nine months, utilizing insureMO as the insurer's life insurance core system.

The project involved the launch of 19 commercial life and affinity insurance products and the migration of over 11 million records, encompassing policies, endorsements, claims, and invoices. The financial scale of the operation is significant, with cumulative premiums exceeding R$500 million (approximately US$93.5 million) and monthly premiums reaching R$30 million (approximately US$5.6 million). HDI expects premium volume to reach R$1 billion (approximately US$187 million) by 2027.

Technically, the project utilizes AI agents to handle the development and configuration of insurance products based on natural language requirements. These agents structure specifications, generate APIs, create quotation and policy issuance interfaces, and perform end-to-end testing. The system operates under a "human-in-the-loop" governance model, where AI runs in simulation mode by default and requires explicit human approval for write operations. The platform currently leverages over 2,500 standardized Atomic APIs and 50 specialized AI skills for engineering tasks such as log auditing and product configuration.

"Migrating the life insurance portfolio and integrating new operations demonstrate that it is possible to modernize a large insurer's architecture while it remains in production, without disrupting day-to-day service to our partners and customers. Our partnership with insureMO has given us the scale and flexibility needed to bring new products to market faster. Now, by integrating AI agents into the engineering lifecycle with strict governance and human oversight, we are dramatically reducing the time between product conception and launch while maintaining full security and traceability,"

Vanesa Bustamante, Vice President of Technology at HDI Group

The companies involved

HDI Seguros is one of the largest insurance providers in Brazil, operating across various segments including life and affinity insurance. The company has focused on modernizing its architecture to handle large-scale migrations and high-volume premium growth, as evidenced by its recent integration of Sompo’s life portfolio.

insureMO is a global insurance middle office platform provider and a subsidiary of Ebaotech. The platform is designed to act as a bridge between traditional legacy systems and modern digital distribution channels. By providing an open architecture based on "Atomic APIs," insureMO enables carriers and MGAs to bypass the rigidity of legacy cores. The company’s focus on the "middle office" allows insurers to manage product configuration, APIs, and testing in a standardized environment, facilitating the use of AI agents for complex engineering tasks that were previously handled through manual coding and long-cycle IT projects.

What FF News has reported before

FF News has tracked insureMO’s global expansion and its role in digital transformation across multiple markets. In Europe, the publication covered how Aviva and insureMO Partner to Launch Embedded Insurance Solutions Across Europe, focusing on distribution flexibility. The platform's impact on core infrastructure was also highlighted when Protec General Insurance Partners with insureMO to Build AI-Native Core for Indian Market. Additionally, FF News reported on regional distribution initiatives, such as when insureMO and Gallagher Launch API-Led Digital Insurance Distribution Platform in the Philippines. The platform’s technical maturity was further recognized when insureMO and Union Assurance Win 2026 Celent Model Insurer Award for Digital Transformation.

What this means from an insurtech perspective

This development shifts the AI narrative from front-end chatbots to the "heavy lifting" of the insurance middle office. For carriers and MGAs, the 85% reduction in product configuration time addresses a critical bottleneck in speed-to-market. By automating API generation and testing, the industry moves toward a model where underwriting and pricing specialists are freed from routine configuration to focus on risk judgment. This puts significant pressure on incumbent legacy core-system vendors whose rigid architectures cannot natively support autonomous AI agents. The success of the Sompo migration suggests that large-scale legacy replacement is no longer the only path to modernization; instead, an API-led middle layer can provide the necessary agility without disrupting production environments.