Chubb Studio Introduces New AI Capability to Personalize Insurance Offers
Published: November 14, 2025
Chubb has launched an AI optimization engine inside Chubb Studio, its global platform for embedded distribution partnerships. Announced at the Singapore FinTech Festival, this is one of the earliest offerings of its kind made available directly to digital distribution partners in insurance.
What the new engine does
The engine uses proprietary AI to analyze partner and customer signals at the point of sale, then serves personalized insurance offers in real time. The goal: increase engagement, lift conversion, and grow policy counts by matching protection with each customer's immediate context.
Consumers get simple, curated choices inside the apps and platforms they already use. Partners keep their experience intact while adding relevant protection without extra friction.
Why it matters for insurance leaders
Embedded channels are crowded. Relevance wins. By aligning products with customer intent at checkout or post-purchase, you cut noise, reduce drop-off, and build loyalty through timely protection.
Sean Ringsted, Chief Digital Business Officer at Chubb, underscored how combining data-driven insights with Chubb's product breadth and market expertise helps partners boost engagement, improve conversion, and support financial resilience with offers that fit.
How Chubb Studio supports integration
Chubb Studio lets partners integrate insurance through APIs and SDKs. The new capability blends data insights, click-to-engage tools, and direct marketing to serve relevant protections-think phone damage, travel, hospital cash, and life-based on customer personas and behaviors.
Key features of the AI optimization engine
- Personalized recommendations: AI identifies personas and recommends products and engagement channels matched to each customer's needs.
- Click-to-engage technology: Customers can instantly connect with a trusted advisor via phone, video, or text for higher-value and more complex products.
- Flexible integration models: Choose Chubb managed, partner managed, or hybrid-selecting the control and data-sharing approach that fits your operating model.
- Data-driven insights: Real-time performance feeds back into the model, continuously improving offer strategy and campaign execution.
Practical takeaways for distribution and product teams
- Start at key moments: checkout, device activation, itinerary confirmation, discharge summaries-where intent is clear.
- Map personas to protections and channels (self-serve vs. advisor) to reduce decision fatigue.
- Define KPIs upfront: attach rates, conversion by persona, advisor connect rate, loss ratio impact, and incremental premium.
- Close the loop: route performance data back to refine recommendations and creative.
- Plan governance early: consent, data minimization, and audit trails across shared datasets.
Getting started
- Pick an integration model (managed, partner, or hybrid) aligned to your data-sharing and control preferences.
- Pilot one or two use cases with clear success metrics and a short feedback cycle.
- Enable advisor escalation for complex products where human guidance improves trust and close rates.
- Scale to adjacent journeys once you see stable unit economics.
For more information and partner inquiries, visit studio.chubb.com.
About Chubb
Chubb operates in 54 countries and territories, offering commercial and personal P&C, personal accident and supplemental health, reinsurance, and life insurance. The company is known for broad product choice, wide distribution, financial strength, and local presence worldwide.
Chubb Limited is listed on the NYSE (NYSE: CB) and is part of the S&P 500, with approximately 43,000 employees. Learn more at www.chubb.com.
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