Sell regulated products through your customers’ AI agents.
When someone asks ChatGPT for a quote, or sends a personal agent to find one, their agent can get it from you, and Marrow holds the conversation to the same rules as any other sale.
People already ask ChatGPT about cover and mortgages, and it answers without you.
It’ll suggest a policy or estimate a monthly payment from whatever it can find online, and when someone wants to go ahead there’s often nowhere regulated for it to take them. Forms and comparison sites were built for people to fill in, which leaves an agent guessing its way through them.
Marrow sits between your customer’s agent and your products.
- Your customer and their agent
- A chat assistant like ChatGPT or Claude, or a personal agent like Muse or Dots.
- Marrow, the distribution agent
- Works out what a regulated sale needs from your customer, plays it back for them to approve and holds each step to the Marrow Standards.
- Your products
- Priced and underwritten by your own systems, so every quote comes from you.
Marrow doesn’t price anything or give advice, so your underwriting and your rules stay yours.
Chat assistants and personal agents buy in different ways, and Marrow is built for both.
Chat assistants
ChatGPT, Claude
Your customer’s in the conversation, so your product appears inside it as your own app, and they check the details and approve it there.
How ChatGPT apps workPersonal agents
Muse, Dots
The agent goes off and does the shopping for them, talking to Marrow directly where it supports connectors, and comes back with your quote, held to the same rules as one bought in a chat.
How personal agents buyConsumer Duty, the advice boundary and disclosure, built into the conversation.
The rules don’t change because an agent’s asking on someone’s behalf, so Marrow applies them as it goes, before anything’s quoted.
- A vague answer to a material question goes back as a question, and nothing’s recorded as fact until the customer’s confirmed it.
- Disclosures are shown and acknowledged in the conversation itself.
- Signs of vulnerability or distress hand the conversation to a person.
- The customer confirms their choice and pays in a step they take themselves, never on their agent’s say-so.
Live in production with a tier-1 UK insurer, after its full security and procurement review.
A record of every conversation
What was said, what was assumed and what the customer approved, kept in one place you can hand to compliance or use to answer a complaint.
Your existing systems
Marrow connects to the pricing and underwriting you already run, without rebuilding your core systems.
Talk to us about selling through AI agents.
We’d be glad to show you how it works with one of your own products.