Marrow

Your customers are already asking AI about insurance.

Marrow connects directly to your existing pricing and underwriting systems - no changes required to core systems. It keeps your quotes accurate as AI models change, and its defences and controls get stronger with every deployment.

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The shift

AI is rapidly becoming where people buy. Insurance can't meet them there fully - yet.

The existing systems are built for retail, not for regulated products that carry underwriting, disclosure, suitability and conduct duties. We're writing the standards that let insurers and AI developers transact securely and compliantly.


What Marrow does

Marrow turns an AI conversation into safe insurance interactions.

Live in production with a tier-1 carrier


The platform

One platform underneath every channel.

platform.trymalcolm.com

Disclosure Checks

Financial advice disclaimer
UK
Advice boundary respected
UK
Complaints process disclosed
DE

Cross-Model Consistency

ChatGPT
98%
Claude
99%
Gemini
95%

Compliance monitoring

  • Real-time checks on disclosures
  • Legal text and advice boundaries per jurisdiction
  • Cross-model consistency scoring

Conversion analytics

  • Chat-to-quote-to-bind funnels across every AI app
  • Hallucination-rate and data-accuracy monitoring
  • Exportable reports

Output control

  • Ground answers in your approved knowledge base
  • Maintain product-faithful descriptions
  • Full audit trail of each interaction

Why Marrow

Built to keep working, and to keep you covered.

We handle AI compliance

Marrow enforces compliance at the rail level. We ground each quote in authoritative data, surfacing disclosures and recording every transaction in an immutable audit trail, designed around existing conduct rules and UK GDPR. We operate alongside regulated carriers today, and are putting the authorisations in place to carry more of that responsibility directly.

Avoid AI breaking changes

New AI models and platforms launch constantly, bringing large, unpredictable changes in their behaviour. Marrow handles model change, ensuring the outputs which hit your systems remain stable. Integrate your systems with Marrow once and we handle the changes in the AI platforms.

Compounding defences and controls

Marrow's exposure to the industry gives us unique insights into fraud and prompt-injection techniques. Our defences harden with every deployment across the network. By joining Marrow, you benefit from the industry's collective experience to ensure your systems remain secure and compliant.

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The standard

An open standard for the whole market.

We are publishing v0.1 of the open AMI Standards, the common contract for how an agent requests, compares, discloses and binds a regulated policy across motor, home, SMB and travel. Open to read, build on, and shape.

For insurers and brokers

Be on the rail and help set v0.1 for your lines.

For AI surfaces

Offer insurance through one integration.