Agent Mediated Insurance (AMI) Standards
Agent Mediated Insurance (AMI) Standards are a set of open standards defining the canonical schema, behavioural rules, and authority model for AI agent-mediated insurance transactions in the UK. They specify a canonical risk schema per line of business, a Core Patterns standard governing agent behaviour, and a Consent and Authority standard governing what agents may do and how they prove it.
What are the AMI Standards?
The AMI Standards are organised as a stack of composable standards. At the base is a governance layer covering versioning, conformance rules, and alignment to external standards including Polaris UK for code lists, Defaqto for product taxonomy, FCA rules for conduct, and UK GDPR for data handling.
Above the governance layer are three planes that apply across all lines of business. Plane 1, Interactions, defines the lifecycle of interactions an agent can have: Inform, New Business, Mid-Term Adjustment, Renewal, Claims, Cancellation, and Servicing. Plane 2, Information, classifies the types of data an agent can read by access authority: Public, Policyholder-authenticated, Consented enrichment, Derived, and Regulatory disclosure. Plane 3, Core Patterns, defines the cross-cutting behavioural rules every conformant agent must follow: grounding and no-fabrication, assume-infer-confirm, the advice-versus-information boundary, disclose-and-acknowledge, honest absence, data protection, vulnerability and Consumer Duty, handover, and audit.
Line-of-business standards sit on top of these three planes. The Home standard (buildings and contents) is live in production with a Tier-1 UK carrier at version 1.0. Motor is at hardened draft v0.2. SMB commercial lines, pet, and travel are at draft v0.1.
The AMI Standards are published as an open standard; Marrow stewards the drafting but does not assert proprietary control over the interface. Carriers, AI platforms, and regulators are invited to participate in their development. The standards are also referred to informally as the Marrow Standards, reflecting Marrow's role as steward.
Why do the AMI Standards matter for insurance?
Without shared standards, every AI-to-insurer connection requires bespoke integration: each carrier behaves differently, each agent re-implements compliance independently, and a regulator has no single document to read to understand how a transaction was governed.
The AMI Standards are designed to solve that. A carrier that maps its products to the AMI Standards canonical schema, and an AI agent that consumes it, interoperate without custom code. The open standards also provide the artefact that AI platforms and the FCA need to see to trust that agentic insurance transactions are governed consistently.
Related terms
The regulated Rail that enforces the AMI Standards in real time.
How a carrier's systems are exposed to AI agents under the AMI Standards.
The full New Business transaction flow defined by the AMI Standards.
The Tier A authority mechanism defined in the AMI Standards Consent and Authority standard.
The risk-data assembly approach the AMI Standards define for New Business.
The enforcement mechanism for the AMI Standards' no-fabrication rule.
Source
The AMI Standards document is the primary reference for all AMI Standards terms. Marrow stewards the current draft.
Last updated 2026-06-18
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