Argued in a decision room
Triage sends each case to the right room with the right chair. AI seats make the case for and against, and a challenger seat attacks the answer.
HONESTAS · Decision evidence for insurance
Your AI decides. Now prove it.
HONESTAS is the decision-evidence platform for insurers, reinsurers, brokers and MGAs. Every claim, quote and price that AI touches is argued in a decision room, checked by a second, independent model and signed by a named person. Then it is sealed into a record you can reopen and re-run years later, exactly as it was decided.
Across the policy lifecycleUnderwritingPricingClaimsFraudRenewals
Decision certificate · CERT-9F31
Claim CLM-4471, settled
- Decision
- Settle at €44,900, betterment deduction applied
- Chair
- Aoife Ryan, head of claims
- Argued
- Case for, case against, and a challenger
- Checked
- Two independent models agree
- Signed
- Passkey on her own phone, 14:03:41 UTC
- Rules
- Wording v4.2, model 2026.07
- Scope
- It does not judge reserve adequacy or fraud intent
sha256 9f31c4 … a802Sealed 19 Aug 2026 · 14:03:44 UTC
honestas · decision evidence · signing and sealingSample data
Signing and sealing. A photo arrived after she signed, so HONESTAS held the seal and asked her to look again. Her second signature covers everything in the record.Sample organisation
What HONESTAS does
Four steps behind every decision. The same four, every time.
Whether AI suggests a reserve, a premium or a fraud referral, the decision goes through the same four steps before it reaches a customer.
Checked by a second model
A second, independent model works the decision out again. If the two do not agree, nothing goes out until a person has looked.
Signed by a named person
A handler, underwriter or claims lead with the right authority signs, at the desk or on the phone. Their signature covers every paper in the file.
Sealed and replayable
The inputs, rules, model versions, reasons and signature are sealed into one record. Years later you can reopen it and re-run it exactly.
Where the work gets done
One place for the whole team.
Handlers, underwriters, brokers and partners work in the same place, with AI beside them and walls where the market needs them.
Competing firms, one placement
A lead insurer and two following markets share one room. Each firm sees its own line and the total, never a competitor's share or price. The wall is checked before every message is sent.
Ask the claim file, check every line
Ask the adjuster's report, the photos and the policy wording a question. Every sentence links to the page it came from. Where two documents disagree, both are quoted in their own words.
Every risk on real terrain
Every insured property on a 3D map with live hazard feeds. Draw the storm's path, see the exposure inside it and open the claims that are coming, before the first call.
The model points. A person decides.
Twelve claims in six days, one roofer behind them. Link analysis lays the pattern out so an investigator can follow it. Nobody is refused a claim by a model alone.
Approvals where people are
The app shows the checks that passed first. Then the person signs with a face or fingerprint check, and the signature is kept with the time and the phone's own proof.
The Decision Passport
Not a badge. A record anyone can check.
A Decision Passport carries sealed decisions as one file. It names the chair, the second-model check, every piece of evidence and the rules and model versions it ran against. It also says, in its own words, what it does not prove.
- Checked by any verifier, with no account
- Shared by a link that expires, with the people you choose
- Changed by nobody: a changed record is a new one, with its own number
honestas · decision evidence · passportSample data
Built for insurance
Every line of business. One record for all of them.
HONESTAS speaks the language of each line: its wordings, its authorities and the rules it answers to.
Motor and homeGeneral insurance
From first notice of loss to a sealed settlement. Reserves, payments and declines all carry their reasons.
Subscription marketSpecialty and London market
Placing, binders and bordereaux in one room, with walls between the markets.
Pricing under the AI ActLife and health
Underwriting and pricing with the evidence the AI Act asks for, kept from the first quote.
Treaty and facultativeReinsurance
Treaty and facultative decisions, with the cedant's evidence shared as sealed records.
Many insurers, one deskClaims administrators and TPAs
Handle claims for many insurers, each with its own rules, authorities and sealed records.
Delegated authorityBrokers and MGAs
Show your capacity providers exactly how every delegated decision was made.
What it changes: faster claims · a better loss ratio · less fraud · catastrophe readiness · compliance evidence
How it runs
Connect. Convene. Check. Certify.
HONESTAS sits beside the systems you already run. Nothing is replaced and nothing is migrated.
01
Connect
HONESTAS reads from your policy administration and claims systems, model registries and hazard feeds, as they are.
02
Convene
Each case is triaged, sent to the right room with the right chair and argued from every side.
03
Check
A second, independent model must reach the same result. Authority limits and rules are checked before anyone signs.
04
Certify
A named person signs, and the whole thread is sealed with an outside time stamp. Change one character and the check fails.
Check it yourself
Here is a sealed decision. Try to change it.
This is a sample record. Press Check, then edit any word and check again. Nothing is sent anywhere. The check runs in your browser.
In HONESTAS, every decision leaves a record like this. Records are kept outside your installation, so nobody can rewrite them, not even us. A regulator or auditor needs no account to check one.
Record of a claim decisionSample
You can edit this text. Try changing the amount.
Seal fingerprint · computing
Press Check to compare this text with the seal it was given.
The decision room
Every side argued. One person rules.
For decisions that matter, AI never decides alone. It argues both sides in front of a named chair, and the chair's ruling is sealed with every argument that came before it.
honestas · decision room · CLM-4471Sample data
Claim 4471 · Motor third partyCLM-4471Chair to rule
TriageEvidenceDecision roomSecond checkSealed
ChairAoife RyanHead of claims
AI · forPayLike-for-like part
AI · againstReduceClause 7.3 betterment
ChallengerTwo prior claimsFlagged, not weighted
Case againstClause 7.3 excludes betterment. The new part is worth more than the one it replaces.
ChallengerTwo prior claims on this policy in 14 months. Not enough on its own to refuse.
Aoife RyanSettle at €44,900, with the betterment deduction applied and reasoned.
A challenger in every room
One seat exists to attack the answer. What it raises is kept in the record, even when the chair rules against it.
Two models must agree
The second model comes from a different family, so one blind spot cannot cover both. A disagreement stops the decision.
Authority checked first
HONESTAS checks the signer's authority and limits before they sign, so a decision outside their authority cannot be sealed.
The rules you answer to
Every obligation, answered from your records.
Each rule is linked to the sealed decisions that answer it, so a supervisor can follow the line from the article to the evidence. Certification stays between you and your auditor.
Why now
405days
until the EU AI Act's rules for high-risk AI apply to risk assessment and pricing in life and health insurance, on 2 December 2027.
DORA already applies to insurers today, and Solvency II and the IDD ask for the same thing: proof. HONESTAS keeps that proof from the first claim.
Choose any date on the line. The clock counts down to a rule, then counts the days it has applied.
See every rule HONESTAS maps its records to →
AI Act dates as amended by Regulation (EU) 2026/1744, the Digital Omnibus, published in the Official Journal on 24 July 2026. Not legal advice.
Connect once
It reads your systems. It never replaces them.
HONESTAS runs beside what you have. Write-backs go through a checked, recorded step, never a direct update.
- Policy administration
Guidewire PolicyCenter, Duck Creek, Sapiens or your own system.
- Claims
Guidewire ClaimCenter, Duck Creek Claims or your own system, with every write-back recorded.
- Models
MLflow, SageMaker or your own registry. Every run and version is kept, and drift is caught.
- Hazard and exposure
Copernicus, NOAA, USGS and FIRMS, live, beside your own exposure data.
- Identity
SAML, OIDC and SCIM, with your own directory deciding who sees what.
- Partners
ACORD messages and agent-to-agent links to brokers, coverholders and reinsurers.
Book a demo
See it on your own claims.
Bring one decision you want AI to help with, such as motor claims intake, a reserve review or a renewal price. We will show you how HONESTAS argues, checks, signs and seals it.
HONESTAS is an Adverant product, built in Dublin, Ireland.