In finance and insurance, the client relationship is built on advice. But day-to-day reality is often the missing document: the proof of address more than three months old, the tax notice that never arrives, the photo of the damage, the employer's certificate. Every incomplete file blocks a policy, a loan or a claim payment. And every follow-up takes a few minutes that add up.
AI agents take over this document work and the tracking of deadlines, leaving the professional in charge of everything covered by their duty to advise. This article details the uses for a wealth adviser, a mortgage broker, an insurance agent or an insurance broker.
The basic rule: the agent documents, the adviser advises#
Financial and insurance activities are regulated: know your customer, anti-money laundering, duty to advise, suitability of products to the client's profile. No AI agent should stand in for the professional on these points.
In practice:
- the agent requests, checks that documents are present and appear valid, files and follows up; the final compliance check stays with the professional;
- the agent prepares factual summaries (positions, deadlines, cover in place); it does not recommend a product;
- the agent writes informational messages; anything that looks like a personalised recommendation is approved by the adviser before it goes out.
With that framework in place, the time savings are clear, because much of the work is collection and follow-up.
Complete KYC files without chasing by hand#
When onboarding a client and during periodic reviews, you need to gather identification and know-your-customer documents: ID, proof of address, for companies the registration extract and beneficial owners, and depending on the case information on the source of funds. The exact list depends on your internal procedures and the regulations that apply to you.
A KYC agent sends the client the list of expected documents for their profile, checks that the documents received are legible and not expired, follows up on what is missing, files the complete record and notifies you. For legal entities, it can check the LEI where relevant. That is the Complete KYC files template.
For each new client added to the "Onboarding" tab of my Google Sheet, send the list of expected documents for the type of client (individual or company), based on my procedure in the context files. For each document received, check that it is legible and that its validity or issue date meets the rule in my procedure. Follow up every four working days, three times at most, then alert me. File the complete record in Google Drive and mark it in the sheet as "Complete, to be checked". Never assess a client's risk level yourself.
The KYC collection, checks and review chain links three agents: the first requests the documents, the second checks them against your procedure, the third prepares the review of complete files for the compliance officer.
Loan files: every document before the bank#
For a mortgage broker, a file only goes to the bank once it is complete: payslips, tax notices, bank statements, the sale agreement, proof of deposit. Borrowers send documents in dribs and drabs.
A tracking agent keeps the list of expected documents per file, chases the borrower for those missing, checks the documents received (period covered, legibility) and lets you know as soon as a file is ready to submit. That is the Loan file documents template. For property purchases, this agent can run alongside the agency's sale agreement tracking, described in the article AI agents for real estate.
Insurance: claims and renewals#
Claims tracking#
A claim triggers a series of steps: opening the file, the list of documents for the type of claim, follow-ups, exchanges with the insurer and the loss adjuster, keeping the policyholder informed. The policyholder, for their part, mostly wants to know where their file stands.
A claims agent opens the file for each claim, sends the appropriate list of documents (water damage, theft, broken glass, motor claim), follows up, informs the policyholder at each step and flags files that are stalling. That is the Claims tracking template. The agent informs; it never takes a position on whether the claim is covered, which is a matter for the contract and the insurer.
Policy renewal dates#
A policy coming up for renewal is a chance to check in with the policyholder: has their situation changed, is their cover still right? A renewal agent tracks the renewal dates in your portfolio, contacts each policyholder a few weeks beforehand with a summary of their cover and a question about changes in their situation, and flags the policies to review. That is the Insurance policy renewals template.
The summary is factual (cover in place, excesses, renewal date). Proposing a change in cover remains your call, in line with your duty to advise. To prepare that conversation, the Cover comparison template compares policies on criteria you define, and the Insurance certificates sent template handles routine certificate requests.
The morning market briefing#
An adviser who follows portfolios needs a quick update every morning: index closes, rates, currencies, commodities, news on the stocks they follow, the day's macroeconomic calendar.
A monitoring agent prepares this briefing before the market opens, from connected market data sources, and emails it to you. That is the Market watch template.
Every working day at 7:30 am, prepare a one-page briefing: the previous day's close for the CAC 40, Euro Stoxx 50, S&P 500 and Nasdaq; French and German ten-year yields; EUR/USD; oil and gold. Add the previous day's news on the stocks in my list (the "Watchlist" tab) and the day's economic releases. Stay factual: no forecasts, no buy or sell recommendations. Give the source and time of each data point.
This briefing is a working tool for you, not a document to pass on to clients as is. If you want to turn it into client communication, review it and own it as yours. The Portfolio summary template prepares factual summaries per client in the same way, and Annual wealth review gathers what you need for an annual meeting.
Scenario: a three-person insurance brokerage#
Picture a brokerage run by a managing director and two account managers, with a portfolio of individuals and small businesses. Renewal dates are tracked in a spreadsheet, claims in the shared inbox.
The director starts with policy renewals. On the 1st of each month, the agent reads the portfolio and, for each policy due for renewal within two months, prepares a message to the policyholder: a summary of their cover and a question about what has changed in their situation (a move, a vehicle, their business). The account managers review and send. Policyholders reply before the renewal date, which leaves time to prepare a proposal if needed, written by the account manager.
The brokerage then adds claims tracking. Each claim received by email opens a line in a register, the appropriate list of documents goes to the policyholder, and files with no movement for ten days come up in the Monday update. The policyholder receives a message at each step; they call less often to ask where their file stands.
The two agents share a collective memory: insurer contact details, each insurer's claims procedures, the brokerage's sign-offs. A procedure updated once serves both.
Summary table#
| Profession | Task handed to the agent | What stays with the professional |
|---|---|---|
| Wealth adviser, private bank | KYC documents, market briefing, portfolio summaries | Risk profile, recommendations, compliance |
| Mortgage broker | File documents, borrower follow-ups | Structuring the file, negotiating with the bank |
| Insurance agent or broker | Claims, renewals, certificates | Advice on cover, relationship with the insurer |
| Compliance officer | Preparing file reviews | Decision on each file |
Confidentiality and security#
Financial files contain some of the most sensitive data there is: income, assets, ID documents. A few rules:
- one agent per task, with only the connections it needs;
- no amounts or account numbers in follow-up messages, unless necessary and approved;
- no sending ID documents through a channel your procedures do not provide for;
- check your obligations with your compliance function or professional association before connecting tools.
A Future Agent account's data is only visible to that account's agents, and the collective memory shared between your agents never leaves the account.
Getting started#
- Choose a document task: KYC collection or loan documents are the most straightforward.
- Formalise your procedure (list of documents per profile, validity rules) and upload it as a context file.
- Describe the task in the chat or start from a template in the finance library or insurance library.
- Approve the sample and the monthly price announced, then keep human approval on the first files.
An agent costs from €3/month, most between €9 and €49 depending on complexity; plans are detailed on the pricing page. For neighbouring firms, read AI agents for accounting firms and AI agents for lawyers and notaries; more scenarios are on the finance use cases page.