Chubb rolls out AI optimisation engine for embedded insurance partners
November 13, 2025 - Chubb has added an AI-powered optimisation engine to its global technology platform, Chubb Studio, to strengthen embedded insurance distribution at the point of sale.
The new capability evaluates data signals in real time to present relevant protection when customers are most likely to consider it. The goal is simple: better product fit, higher engagement, and improved conversion.
What's new in Chubb Studio
Partners can integrate via APIs and SDKs to weave insurance offers directly into digital customer journeys. The AI layer blends analytical insights, click-to-engage assistance, and targeted marketing so recommendations feel specific to the moment and the user.
Use cases include travel protection, phone damage coverage, hospital cash, and life policies. Campaigns can be configured by customer persona, channel, and trigger-so the right cover shows up at checkout or other key touchpoints.
Human help, on demand
A click-to-engage feature lets customers connect with a trusted advisor instantly via video, text, or phone for more complex decisions. This bridges digital convenience with human guidance without breaking the flow.
Flexible integration models
- Chubb managed: Chubb handles the experience and operations.
- Partner managed: Full control stays with the partner.
- Hybrid: Shared responsibilities based on preference.
These options give distribution partners control over experience, data sharing, and speed to market.
Continuous optimisation
The system tracks campaign performance and updates its recommendation algorithms in real time. Over time, this feedback loop refines product placement, messaging, and advisor handoffs to lift ROI.
What Chubb is saying
"The launch of the Chubb Studio optimisation engine represents a significant leap forward in how we empower our digital distribution partners to engage their customers, increase conversion and build financial resilience through highly relevant insurance protection.
"By combining data-driven insights with Chubb's breadth of products and deep industry and regional market expertise, we are enabling unique insights for our partners, and delivering tailored insurance products and services that drive results.
"This latest Chubb Studio innovation underscores our commitment to providing the latest technology to benefit our digital partners and their customers. It is about delivering customer-first experiences through precision, personalisation, and innovation."
Why this matters for insurance teams
- Align offers with intent: surface the right cover at high-intent moments to improve attachment without adding friction.
- Blend digital and advice: use click-to-engage for complex products where human guidance closes the gap.
- Instrument the full funnel: track consented data, test creatives and triggers, and measure conversion, attachment rate, and retention.
- Iterate fast: use real-time results to adjust pricing displays, benefits framing, and advisor thresholds.
- Stay compliant: document data use, explainability, and model monitoring across regions.
How to get started
- Map customer journeys and identify the top three points to present protection.
- Choose an integration model (Chubb managed, partner managed, or hybrid) based on control, data, and speed needs.
- Define personas and triggers; launch A/B tests on copy, benefits hierarchy, and timing.
- Set clear rules for advisor handoff (e.g., coverage amount, product type, or user signals).
- Establish a weekly optimisation cadence using campaign and recommendation performance.
Learn more about Chubb and its digital distribution capabilities at Chubb.
If you're building AI skills for your distribution or product teams, explore role-based learning paths at Complete AI Training.
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