Insurance Advice runs on Anthropic's Claude — the AI model that leads on long-document reasoning, instruction-following precision, and safety-first design.
Founded in 2021 by former OpenAI researchers. Their mission is to build AI systems that are reliable, interpretable, and steerable. Claude is their flagship model.
For insurance document analysis, three capabilities matter: long-document reasoning, instruction precision, and the discipline to say "I don't know."
| Capability | Claude (Anthropic) | GPT-4o (OpenAI) | Gemini (Google) |
|---|---|---|---|
| Context window | 1M tokens ✓ | 128K tokens | 1M tokens ✓ |
| Single-pass 150pg PDS | Yes ✓ | Requires chunking | Yes ✓ |
| Structured JSON output | Constrained ✓ | JSON mode ✓ | Less reliable |
| Adaptive reasoning | Built-in ✓ | Not available | Limited |
| Native citations API | Yes ✓ | Not available | Not available |
| Refuses when uncertain | Constitutional AI ✓ | Sometimes | Sometimes |
| Zero data retention | Yes ✓ | Yes ✓ | Enterprise only |
Your PDS is sent to Claude's API for analysis and then discarded. Never stored, never used for training, never accessible to other customers.
We use Claude's API as a structured analysis engine with insurance-specific system prompts, constrained outputs, and compliance guardrails.
Reads every page, extracts every clause, maps every exclusion, identifies coverage gaps — all in a single 60-second API call with structured JSON output.
1M-token window fits three 80-page PDFs simultaneously. Normalises terminology across insurers and builds a structured comparison matrix.
Answers questions grounded in your uploaded documents with citation-backed responses. If the answer isn't in the PDS, Claude says so.
Evaluates each extracted field individually — High, Medium, or Low — with a rationale. Step-by-step scoring outperforms blanket confidence.
System prompt encodes ASIC-compliant boundaries. Never crosses into personal advice, always appends General Advice Warning, flags when expert review is needed.
Maps insurer-specific language to canonical concepts. "Words with Special Meaning" and "What you are not covered for" are both correctly identified.
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