Marrow

Setting the standard for how AI interacts with insurance.

Marrow connects AI agents to insurer pricing and underwriting systems - turning conversations into compliant insurance interactions.

ChatGPT
chatgpt.com

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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.


Marrow turns an AI conversation into safe insurance interactions.

Marrow sits between AI agents and your systems and does the hard part. It turns a customer's conversation with an AI into a compliant quote and a bound policy: grounding every quote in your real pricing, enforcing the conduct rules as the conversation happens, blocking anything the model gets wrong, keeping a complete audit trail, and connecting to your existing pricing and underwriting with no change to your core systems. Your products show up correctly wherever your customers are.

In production today, on real customer traffic.

What Marrow does
AI Agents
ChatGPTGeminiClaude
MarrowMarrow
TranslateAuditNormaliseEnforce
Insurer Systems
Policy AdminPricingUnderwritingBind

The platform

One platform underneath every channel.

compliance.trymalcolm.com
RuleRegionStatus
Financial advice disclaimerUK
pass
IPID document providedUK
pass
Cooling-off period noticeUK
pass
Advice boundary respectedUK
warn
Premium breakdown shownUK
pass
Complaints process disclosedUK
fail
4/6 passed2 flagged

Compliance monitoring

Real-time checks on disclosures, legal text and advice boundaries, per jurisdiction, with cross-model consistency scoring.

Conversion analytics

Chat-to-quote-to-bind funnels across every AI app, with hallucination-rate and data-accuracy monitoring and exportable reports.

Output control

Answers grounded in your approved knowledge base, with a full audit trail of what informed each interaction.


Why Marrow

Built to keep working, and to keep you covered.

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.


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.