70% of AI answers about insurance name no carrier at all — the rest are converging on nine. Inserviss makes it you, mapped to the NAIC Model Bulletin.
Buyer questions AI assistants are asked about insurance carriers — the demand this map samples across personal lines, specialty / niche lines, and health & Medicare plans:
Auto Shopping & Switching: cheapest car insurance for a good driver
Auto Shopping & Switching: best car insurance company 2026
Auto Shopping & Switching: switching car insurance mid-policy
Auto Shopping & Switching: car insurance for a new car
Auto Shopping & Switching: is it worth switching auto insurance to save $30 a month
Auto Shopping & Switching: best auto insurance for teen drivers
Auto Shopping & Switching: car insurance after an at-fault accident
Auto Shopping & Switching: how to lower my car insurance premium
Auto Shopping & Switching: car insurance for a high-mileage commuter
Auto Shopping & Switching: best car insurance for a paid-off car
Auto Shopping & Switching: usage-based car insurance worth it
Auto Shopping & Switching: car insurance quote without a phone call
Home & Property: best homeowners insurance company
Home & Property: homeowners insurance for an older house
Home & Property: how much dwelling coverage do I need
Home & Property: home insurance that covers water backup
Home & Property: homeowners insurance in a wildfire area
Home & Property: does home insurance cover roof replacement
Home & Property: landlord insurance vs homeowners insurance
Home & Property: home insurance for a first-time buyer
Home & Property: flood insurance separate from home insurance
Home & Property: home insurance premium went up why
Home & Property: replacement cost vs actual cash value home insurance
Claims & Service: how long does an auto insurance claim take
Claims & Service: insurance company with the best claims service
Claims & Service: will filing a claim raise my premium
Claims & Service: how to dispute a low insurance claim payout
Claims & Service: car insurance total loss process
Claims & Service: rental car coverage during a claim
Claims & Service: roadside assistance included in car insurance
Claims & Service: insurance claim after a hailstorm
Claims & Service: diminished value claim after a car accident
Claims & Service: how to file a home insurance claim for storm damage
Claims & Service: insurance adjuster lowballed my estimate
Discounts & Pricing: bundling home and auto insurance discount
Discounts & Pricing: safe driver discount car insurance
Discounts & Pricing: does credit score affect car insurance rate
Discounts & Pricing: multi-car insurance discount
Discounts & Pricing: pay-in-full car insurance discount
Discounts & Pricing: low mileage car insurance discount
Coverage & Benefits: in-home support benefits Medicare Advantage
Costs & Subsidies: Medicare Advantage out-of-pocket maximum 2026
Costs & Subsidies: total cost of a Medicare Advantage plan vs Original Medicare
Costs & Subsidies: do I still pay the Part B premium with Medicare Advantage
Costs & Subsidies: Extra Help low-income subsidy eligibility
Costs & Subsidies: Medicare Advantage copays for a doctor visit
Costs & Subsidies: Medicare Savings Program how to qualify
Costs & Subsidies: dental coverage limit on a Medicare Advantage plan
Costs & Subsidies: ACA marketplace subsidy income limits 2026
Costs & Subsidies: cheapest health plan for a self-employed person
Costs & Subsidies: premium tax credit how it works
Enrollment & Eligibility: when can I enroll in a Medicare Advantage plan
Enrollment & Eligibility: Medicare Advantage open enrollment period dates 2026
Enrollment & Eligibility: special enrollment period after moving
Enrollment & Eligibility: am I eligible for a Medicare Advantage plan under 65
Enrollment & Eligibility: how to sign up for Medicare Advantage for the first time
Enrollment & Eligibility: late enrollment penalty Medicare Part D
Enrollment & Eligibility: switching from Medigap to Medicare Advantage
Enrollment & Eligibility: ACA open enrollment deadline this year
Enrollment & Eligibility: can I change plans outside open enrollment
Enrollment & Eligibility: guaranteed issue rights explained
Provider Networks & Drugs: is my doctor in this Medicare Advantage network
Provider Networks & Drugs: Medicare Advantage plan with my hospital in network
Provider Networks & Drugs: formulary check is my drug covered
Provider Networks & Drugs: Medicare Advantage plan for a specific medication
Provider Networks & Drugs: out-of-network costs on a Medicare Advantage HMO
Provider Networks & Drugs: pharmacy network preferred vs standard
Provider Networks & Drugs: plan that covers a brand-name drug with no generic
Provider Networks & Drugs: referral required to see a specialist
Provider Networks & Drugs: nationwide network Medicare Advantage plan
Provider Networks & Drugs: mail-order pharmacy on a Medicare Advantage plan
0%
Current coverage
$0.6–1.1M
AI premium quoted a year
40–70
Est. new policy quotes a year via AI
E
AI visibility grade
Not citing you — going to an aggregator or no oneCurrently cites you — wired to your carrier
The 6-month view is an illustrative projection of winnable questions with AI Agents: Scout, Maker, and Anchor running continuously — not a forecast for a specific carrier.
What you’ll see
Your console, from day one
Quote opportunities, overnight work, reach, policies influenced — one live view.
Opportunities your agents found
Ranked by how fast you can win them
"Best pet insurance for a puppy"
Nobody cited yet · ~520 asks/month · strong fit for your pet line
Approve fix
"Best rated Medicare Advantage plan in [state]"
High value · CMS Star Ratings dominate the answer · winnable in ~3 weeks
Approve fix
"Cheapest reliable auto insurer for a new driver"
Nobody cited yet · ~410 asks/month · you already compete here
Approve fix
"[Carrier] small-business policy coverage" — Copilot invents a discount that doesn’t exist
The exact pattern that’s already made one company liable for it
Refresh now
"[Carrier] pet insurance" — cited, but drowned inside your parent brand
A pure-play brand is named 7x more often · your line needs its own entity
Fix wording
Agents working overnight
While the desk was closed, five things happened
Scout spotted an invented coverage term on Copilot: "[Carrier] small-business policy"
3 hours ago
Maker published a dedicated entity for your pet line
6 hours ago
Scout re-checked 24 questions across ChatGPT, Copilot, Gemini, Claude and Perplexity
8 hours ago
Anchor got your CMS Star Ratings profile verified and current
yesterday
Maker refreshed a stale rate & eligibility page
yesterday
What visibility is actually worth
Since your agents started working
0
visitors from AI this month
▲ new channel
$0k
premium quoted, traced to AI
▲ 21 quotes
Visitors from AI this month, by engine
Google AI 112Perplexity 94ChatGPT 78Gemini 41Copilot 13
Real policies, closed the loop
Every policy traced to the question that won it
9
policies bound
$62k
premium
$6.9k
avg premium
JA
J. Alvarado · Pet, new puppy
Thu 10:00
via ChatGPT
$340/yr
TM
T. Meyers · Medicare Advantage
Tue
via Google AI
$2,400/yr
LF
L. Ferreira · Auto, new driver
Wed 16:00
via Perplexity
$1,180/yr
PO
P. Okonjo · Small-business BOP
Fri 09:00
via Copilot
$2,600/yr
Confidential — reviewed by your compliance team before anything goes public
Your AI Visibility Score
One number. Every engine. Never blended.
0–100 for whether AI names your carrier and gets coverage, rates and eligibility right — weighted toward where insurance is actually cited. Toggle three months forward.
Illustrative — a sample carrier
0F
Named by AI · How often assistants name the carrier at all0
Vs. competitors · Share of the answer next to rival carriers and aggregators0
Facts correct · Whether coverage terms, rates and eligibility are right and current0
Listed where AI looks · Presence on the comparison sites and rating pages assistants pull from0
Site AI can read · Whether the carrier’s own product pages are machine-readable0
Where the carrier stands, engine by engine — never blended
Google AI Overviewsthe default for “best [line] insurance”Not cited
Microsoft Copilotused by brokers & benefits admins in Microsoft 365Not cited
Anthropic ClaudeNot cited
AI rarely names this carrier — and when it does, a coverage term or rate range is often wrong or stale. Shoppers are being routed to aggregators and a handful of rival brands instead.
Every month, AI verifies more facts about your carrier — lines written, rating factors, filed rate ranges, eligibility, financial-strength rating — and they stay. A competitor starting today is months behind.
A sample of the graph. Scout verifies the facts, Maker publishes the answers, Anchor gets the comparison sites and ratings right — and it only ever grows. Illustrative figures.
Monthly report
One report. Every month.
Your score and its trend, citations by engine, where you stand against rivals, what the agents did, and what needs your compliance review.
Illustrative sample — not a real client’s data.
Monthly AI Visibility Report
Northbeam Mutual
August 2026
Delivered 1 September 2026
Across 6 engines, 142 tracked queries, 4 named competitors.
0 / 100▲ +14 this monthAI Visibility Score for Northbeam Mutual, August 2026: 36 out of 100, grade F, up 14 points from last month.
AI Visibility Score · Grade F
Northbeam now appears in roughly one in three AI answers about personal auto and home — a month ago it appeared in almost none. On the "is it worth switching" and rate-range questions, an aggregator still answers in your place.
Key numbers
36%
Overall citation rate
▲ +14pts
2nd
Share of voice, 4 named rivals
▲ from 5th
95%
Coverage-accuracy score
▲ +9pts
21
New knowledge-graph entities
▲ 156 total
Citation rate by engine — never blended
Perplexity43%
Google AI Overviews34%
ChatGPT31%
Microsoft Copilot — new this month26%
Anthropic Claude22%
Gemini17%
Copilot grounding data — new source, live since domain verification
58
Grounding queries matched your lines
17
Quote-intent queries, of 58
3
Pages cited (0 last month)
5 of 17
Quote-intent queries you now win
▲ from 1 of 17
Citation share — you vs. named competitors
“Is it worth switching auto insurance to save $30 a month”
You14%
an aggregator site63%
“Best homeowners insurance for an older house”
You12%
a rival carrier71%
“Is Northbeam Mutual financially strong”
You9%
a ratings aggregator58%
Flagged for your review
FixGemini is quoting a bundling discount range from a retired 2024 rate filing — sent to Maker for correction.
Gap“Renters insurance required by my landlord” has no answer page — 12 grounding queries a month, never cited.
What your agents did in August
Scout verified your Bing Webmaster Tools domain — Copilot grounding data is now live
Maker published “How Northbeam prices a policy — the rating factors, plainly” with full FAQ schema
Scout re-sampled 142 tracked questions across all six engines
Anchor submitted a corrected Policygenius listing — pending platform review
While you were closed for the weekend
Scout flagged Claude citing a stale AM Best rating year — escalated to Maker
Maker corrected the auto coverage-tiers page — re-cited on Perplexity within 48 hours
Anchor secured a verified data point on your J.D. Power claims-satisfaction page
Knowledge graph — your persistent asset
156
Entities tracked (+21)
710
Verified connections (+164)
93%
Average confidence score
The graph is yours and it compounds. Every month it holds more verified facts about your carrier — lines written, rating factors, filed rate ranges, eligibility rules, AM Best rating — so answers get harder to get wrong and harder for anyone else to replicate. Stop, and it stops growing; stay, and each month starts further ahead than the last.
Focus for September
Close the renters-insurance content gap — 12 grounding queries a month, unanswered
Push citation share on “best homeowners insurance for an older house” past the 71% aggregator lead
Complete the CMS Star Ratings / J.D. Power verification
FAQ
The detail, if you want it
When a pet-insurance shopper asks ChatGPT for the best option, a Medicare Advantage shopper's answer is built from CMS Star Ratings, or a small-business owner asks Copilot what their policy covers, your carrier is usually not in the conversation — 70% of AI insurance answers name no brand at all, and the rest are converging on nine.⁴ Inserviss measures coverage-accuracy and citation across all five engines, gives your niche lines (pet, gig, small-business) their own clear entity with answer-first product and eligibility pages, and wins the aggregator citations — Policygenius, The Zebra, Insurify, CMS Star Ratings, J.D. Power. Every AI-facing answer carries the review your advertising copy already gets, mapped to the NAIC Model Bulletin, with a state-level audit trail.
Three failure modes. The diluted carrier: a pure-play brand gets named seven times more often than your multi-billion-dollar parent because your line is drowned inside a generalist domain. The invisible broker: a shopper's answer is built entirely from CMS Star Ratings and review sites, and your plan pages never enter it. The invented coverage: an engine invents a discount or coverage term that doesn't exist — the exact pattern that has already made one company liable for it. 53.3% of AI Overview citations come from pages outside Google's own organic top 10,² and 24 states have adopted the NAIC AI Model Bulletin covering AI in marketing and distribution.⁴
It splits by line. P&C: Perplexity has the deepest sourcing behaviour and is the comparison-shopper's engine of choice, Google AI is the largest single citation pool and dominant first touch, ChatGPT handles “who's cheapest”. Life and pet: ChatGPT is where “is it worth it” and purchase-intent questions happen, Google AI and Gemini are the broad research surface, Claude is smallest today but fastest-growing for financial-planning research. Health / Medicare Advantage: Google AI is where plan comparison begins during open enrolment, Perplexity does the deep dive into star ratings and plan documents, Copilot is where brokers and HR benefits admins research inside Microsoft 365.
One system, three jobs, roughly 20 / 40 / 40. Scout tracks coverage-accuracy and citation across ChatGPT, Copilot, Gemini, Claude and Perplexity, weighted toward where insurance is actually cited. Maker is the on-domain fix: answer-first product and eligibility pages, full schema, a dedicated entity for each niche line, server-side rendering and an llms.txt. Anchor is off-domain — aggregator and comparison-site placement, star-ratings and review programs, Wikidata and editorial press. Everything runs through the review your advertising copy already gets: Draft → Review (against current filings) → Publish (per-state audit trail) → Monitor.
On your site, Maker turns generic coverage PDFs into citable pages, gives a diluted niche line its own dedicated entity, turns static undated rate and eligibility pages into answer-first current ones, and adds schema and an llms.txt. Off your site, Anchor takes your Policygenius, The Zebra and Insurify listings from incomplete to complete, CMS Star Ratings and J.D. Power from outdated to verified, Wikidata and Wikipedia from sparse to established, and moves your verified review volume to benchmark tier. Every change is tracked with a before, an after, and the date it moved.
Mostly not. Most of the work is correcting and structuring what's already filed and approved — product pages, rate ranges, eligibility rules — not new promotional claims.
Every AI-facing answer goes through the same review your advertising copy already gets, mapped to the NAIC Model Bulletin’s marketing-and-distribution consumer-notice requirement, with a state-level audit trail — not a one-size-fits-all national claim.
Where the platform allows direct carrier submission, we do the actual rebuild; where it doesn't, we prepare the exact corrected listing for your team to submit and track it until it's live and verified.
Not instantly, and we won't promise that. We publish the correct, structured, current coverage terms, then Scout monitors every engine and flags any invented term as a compliance-severity event, not just a marketing miss.
See what AI is already telling your shoppers
One diagnostic, six engines, compliance-ready. Free.
Confidential — reviewed by your compliance team before anything goes public