KGAgentic · KGA ARIA™
Insurance-grade agentic AI across Policy, Billing and Claims, with human authority built in.
KGAgentic builds KGA ARIA™, an orchestration layer that works beside your existing core system. For each piece of work it gathers the context, prepares a recommendation, routes it to the person with authority to decide, and keeps a reviewable record of what was decided and why. Your core stays the system of record: rating, binding, issuance, billing calculations, payments, and reserves stay there.
The KGA ARIA™ portfolio
Three domain products do the work in policy, billing, and claims. Two governance products take AI from pilot to production and show that each AI decision stayed within authority. Each product works on its own.
Domain products
ARIA Policy
Underwriting decisions with the reasons shown and the underwriter in charge.
ARIA Billing
Agentic AI for billing and collections: payment matching, unapplied cash, and delinquency treatment, with a billing specialist approving each step.
ARIA Claims
Faster claim decisions, routed to the right authority, with the evidence attached.
Governance products
ARIA Adopt
From AI pilot to production, with the evidence your risk committee needs. Stage gates from pilot to production, value baselines and tracking, and approval packs for risk and model-risk committees.
ARIA Assure
Proof that every AI decision was authorized, recorded, and consistent with policy. Authority and outcome checks with hash-chained decision records, read-only, for any agent, vendor, or core.
Three workflows, one account
One commercial auto account, followed through policy, billing, and claims.
Illustrative example on synthetic data
| ARIA Policy: underwriting referral | ARIA Billing: installment exception | ARIA Claims: reserve above authority | |
|---|---|---|---|
| Trigger | A broker submits a California commercial auto risk. | An exception is raised on the account's quarterly installment plan. | An auto bodily-injury claim needs a reserve after coverage review. |
| Input | Submission facts (8 heavy units, 620-mile radius of use) and the carrier's versioned appetite guide. | Plan, installments collected and outstanding, and payment history from the billing system. | Policy in force on the date of loss, claim facts, and the carrier's reserve playbook. |
| Recommendation | Refer, not decline: the radius and heavy-vehicle rules fired, with the appetite clauses cited. | Options to apply a late fee, record a cure, waive, or escalate for cancellation review. | Reserve guidance range of $70,000–$95,000, above the examiner's $25,000 authority. |
| Human decision | Senior underwriter approves, approves with conditions, declines, or requests information. | Billing specialist chooses the treatment and records the reason. | Routed to the claims supervisor, who accepts, edits, or rejects. |
| Resulting action | Quote and bind continue in the core. ARIA supplies a bind-readiness checklist. | The billing system posts any fee or cash. ARIA never cancels a policy. | The claims system posts the reserve the supervisor approves. |
| Evidence | Recommendation, rules applied, and underwriter decision recorded. | Recommendation, chosen treatment, and reason recorded. | Guidance sources, authority routing, and supervisor decision recorded. |
How a workflow runs
- ContextARIA reads the account, policy, billing, or claim data the task needs from your core.
- RecommendationYour rules and playbooks, plus AI where useful, produce a recommendation with its sources cited.
- Authority checkYour authority matrix decides who may approve. Missing rules stop the workflow instead of being guessed.
- Human decisionThe reviewer accepts, edits, or rejects. Edits and rejections need a reason, and silence never counts as approval.
- Core actionApproved actions go back to your core, which carries them out. ARIA never binds, cancels, pays, posts reserves, or denies claims on its own.
- Evidence recordWho decided what, when, why, and on which sources is added to an append-only record.
Each workflow can run in shadow mode (recommendations only, so you can compare them with today's decisions), with human approval, or be stopped with a kill switch.
Integration
KGA ARIA reads from your core system and returns approved actions for the core to carry out. Guidewire InsuranceSuite and Guidewire InsuranceNow are the first integration tracks, and each has a published status.
Implementation
Start with one workflow in shadow mode, agree the measures with your team, and decide whether to expand based on what you observe. KGA ARIA is licensed as a product. Implementation and maintenance are scoped separately.
Availability
ARIA Policy, ARIA Billing, and ARIA Claims are in the current product build. KGA ARIA is available through Azure Marketplace and Google Cloud Marketplace.
Product availability and assurance statusBook a briefing
In a briefing we review one workflow you want to improve, your current systems, what KGA ARIA does for that workflow today, and what a pilot could measure.
Insurance workflow orchestration beside your core systems · Policy → Billing → Claims
About · Availability & assurance · Privacy · Contact
KGA ARIA™: Canadian trademark application filed, pending.
© 2026 KGAgentic. KGAgentic is the operating name of Krishcon Guide Agentic Solutions Inc., Cambridge, Ontario.