Jointly AI, a UK-based insurance technology company focused on automating brokerage operations, has announced the release of Jointly AI Broker, an end-to-end autonomous AI platform developed for personal lines brokers in the United Kingdom.
The company describes the product as a fully operational brokerage system rather than a conversational assistant. Instead of simply providing chat responses or directing customers to insurer websites, the platform is designed to carry out the brokerage process on a customer’s behalf.
Using advanced voice AI models, it contacts insurance providers directly, navigates automated phone systems, waits on hold where necessary, gathers and compares quotes, and returns a tailored recommendation to the customer without requiring manual broker intervention.
Jointly AI states that brokers adopting the platform can delegate a process that often takes several hours or multiple days and have it completed in approximately 35 to 45 minutes.
The system operates through a coordinated workflow made up of five purpose-built AI agents, each assigned to a distinct stage of the brokerage journey. These agents are connected by an enterprise-grade orchestration layer intended to support reliable operation at scale within regulated financial environments.
The process begins with a brief phone call between the customer and the platform’s intake agent. During this conversation, the system collects the required information without the need for forms or transfers between departments.
The intake agent is available continuously and uses a voice AI model designed to deliver a natural conversational experience. From that interaction, a research agent independently scans the market, checks insurer credentials against the Financial Conduct Authority register, and produces a ranked shortlist of suitable providers.
A quoting agent then initiates direct phone calls to insurers. It navigates IVR systems, waits for human representatives when needed, references alternative market quotes, and captures pricing information. Multiple calls can be conducted simultaneously. The resulting quotes are passed to an analysis agent powered by Jointly Insurance Instruct v1, the company’s proprietary insurance-focused large language model, which standardises the information and evaluates each option according to the customer’s stated priorities.
Once the analysis is complete, a delivery agent communicates the results to the customer by phone or email. The response includes a primary recommendation, an alternative option, and a budget-oriented choice, each explained in clear and straightforward language.
Jointly AI indicates that the orchestration layer has been built to meet the expectations of regulated financial services. Each extracted data point is assigned a confidence score, and when certainty falls below a defined threshold, the system seeks clarification rather than making assumptions.
If a call disconnects, it redials. If a provider is temporarily unavailable, it retries later, including outside normal business hours where required. All agent activities, state transitions, and system actions are logged and visible in real time, providing brokers with oversight and audit capabilities.
The platform is offered on a subscription basis and is currently available in early access to selected partner insurance brokers. Jointly AI positions the product as a tool to reduce administrative workloads within brokerage firms, where a significant proportion of time is spent on manual tasks, while enabling customers to receive personalised insurance recommendations more quickly than through traditional processes.
“We know AI can handle complex tasks, but is it built specifically enough to handle yours? Insurance is complex, regulated, and deeply consequential. It needs AI designed for it from the ground up,” added Alberto Romero, CEO at Jointly.
