Tuio and WaniWani bring real-time home insurance quoting to ChatGPT
February 10, 2026 - OpenAI has approved the first insurer-built application on ChatGPT. Tuio and WaniWani now embed the full quoting journey into a conversational flow, letting people research, get a real price, and soon purchase home insurance without leaving the chat.
This move strips out the usual friction: long forms, back-and-forth with intermediaries, and disjointed digital steps. For insurance teams, this isn't a novelty feature-it's a new distribution channel sitting where consumers already ask finance questions.
What changed-and why it matters
OpenAI noted that, until now, AI chats could only give generic answers from static pages. "It could not quote a real price for a real person or business. For the first time, an insurance provider can distribute its products and offer quotes directly inside an AI platform where hundreds of millions of insurance buyers are already performing their research."
Consumer behavior backs the move. A 2025 Express Legal Funding study found 33% of US adults have used ChatGPT for financial advice. Expect insurance questions-and now quoting-to live here by default. For context on the platform's direction, see OpenAI.
How the Tuio-WaniWani solution works
- WaniWani's infrastructure runs inside third-party AI platforms and handles regulated quote workflows securely.
- The conversational agent identifies intent, collects the required data in plain language, and returns accurate, real-time quotes from authorised carriers.
- Tuio operates as a digital-first home insurer, using AI across underwriting, customer engagement, and operations to deliver faster, clearer products matched to individual needs.
Signals for the market
OpenAI confirmed Insurify was approved shortly after Tuio. WaniWani says more than a dozen additional insurance AI apps across North America and Europe are in the approval queue. Beyond OpenAI, similar applications following the same standards are already live on Anthropic's Claude (Anthropic), with Google's Gemini expected to roll out its third-party app framework in the coming months.
Operator takeaways for carriers, MGAs, and brokers
- Own the AI channel strategy: Pick lines, data elements, underwriting rules, and referral triggers suitable for conversational intake. Start with narrow, high-intent flows (e.g., renters/home) before broadening.
- Compliance and disclosures: Treat ChatGPT as a regulated digital channel. Lock down consent language, quote assumptions, data use notices, E&O coverage posture, and audit trails.
- Data governance: Minimize PII. Set redaction, retention, and logging policies. Version prompts and rating logic. Define who can view transcripts and for how long.
- Underwriting guardrails: Enforce appetite filters at the top of the conversation. Gate sensitive risks to human review. Keep pricing parity rules and filed rating intact.
- Security architecture: Validate identity, manage tokens, and prevent leakage of credentials or rating IP. Segment environments for testing vs. production.
- Distribution economics: Track lead source, quote-to-bind, assisted vs. self-serve rates, and channel conflict with existing broker and aggregator partners.
- Service model: Define handoffs to human agents for edge cases, coverage education, and claims questions. Don't let chat drift into advice beyond your compliance posture.
What leaders said
OpenAI added, "For businesses or consumers, buying insurance coverage requires filling out forms, making calls, or going through different layers of intermediaries. AI is now changing that by removing these friction points."
Tuio co-founder and CEO Juan García said, "We've massively leveraged AI to improve our insurance experience and run more efficiently. Being the first provider live on ChatGPT allows us to convert new customers right at the point of discovery."
WaniWani co-founder Raphael Vullierme said, "I spent almost a decade running an insurer, sitting inside the insurance value chain. I could foresee how AI would reshape distribution. Today is day zero of that transformation. For the first time, AI can access real offers, quote on behalf of the buyer, and compare coverage in real time. Every insurer will be impacted, whether they've built an AI app or not."
Next steps for your roadmap (60-90 days)
- Scope: Choose one product, one geography, and a concise questionnaire. Define success metrics: quote accuracy, time-to-quote, and quote-to-bind.
- Build: Stand up a safe sandbox with scripted prompts, rating integration, and hard stops for edge cases. Ship a minimum viable flow.
- Govern: Finalize disclosures, recordkeeping, and consumer recourse. Train frontline teams on escalation and compliant phrasing.
- Measure: Instrument analytics from first message to bind. Compare against web and call center funnels. Iterate weekly.
Bottom line
Conversational AI is becoming a first-class distribution surface for insurance. Teams that make quoting work inside chat-securely, compliantly, and profitably-will capture demand where it starts, not where it ends.
Want to upskill your team on practical ChatGPT workflows and channel operations? Explore focused training here: Complete AI Training - ChatGPT.
Your membership also unlocks:
