OpenAI has approved the first AI app from an insurance provider on ChatGPT, built by Tuio, one of Spain’s leading digital insurers, and powered by WaniWani’s AI distribution infrastructure, enabling users to receive a personalised home insurance quote, and soon, purchase a policy, entirely within the conversation.
Citing a 2025 Express Legal Funding study, OpenAI observed that 33% of U.S. adults have already used ChatGPT for financial advice.
The firm continued, “Until today, AI could only provide generic answers drawn from static web page content. It could not quote a real price for a real person or business. For the first time, an insurance provider can distribute its products and offer quotes directly inside an AI platform where hundreds of millions of insurance buyers are already performing their research.
“For businesses or consumers, buying insurance coverage requires filling out forms, making calls, or going through different layers of intermediaries. AI is now changing that by removing these friction points.”
OpenAI explained that Tuio’s AI app understands the user’s intent, collects the right information through natural conversation, and returns an accurate, personalised quote from a regulated carrier, in real time, without leaving the AI interface.
“Tuio’s app is only the beginning. Last week, Insurify, a U.S.-based insurance aggregator, also had its app approved by OpenAI. WaniWani is announcing that a dozen additional insurance AI apps – including several of its customers and partners across North America and Europe are in the approval pipeline and expected to go live in the coming weeks,” OpenAI added.
The technology is not limited to OpenAI. AI apps built on the same infrastructure and standards have also been adopted by Anthropic’s Claude, and Google’s Gemini is expected to publish its own standards for third-party apps in the coming months. The shift toward agent-to-agent distribution is becoming an industry-wide reality.
Juan García, Co-founder & CEO of Tuio, commented, “We’ve massively leveraged AI to improve our insurance experience and run more efficiently. Being the first provider live on ChatGPT allows us to convert new customers right at the point of discovery.”
Raphael Vullierme, Co-founder of WaniWani, said, “I spent almost a decade running an insurer, sitting inside the insurance value chain. I could foresee how AI would reshape distribution. Today is day zero of that transformation.
“For the first time, AI can access real offers, quote on behalf of the buyer, and compare coverage in real time. Every insurer will be impacted, whether they’ve built an AI app or not.”
