Jointly AI unveils an end-to-end AI insurance broker for UK personal lines
February 23, 2026
Jointly AI has launched Jointly AI Broker, an autonomous platform built to take the heavy lifting out of personal lines broking. The company says tasks that often take hours or days can be wrapped up in about 35-45 minutes. That directly addresses the reality many brokers face: up to 60% of the week pulled into non-advisory admin.
What Jointly AI Broker is
A purpose-built, end-to-end brokerage workflow built around five specialised AI agents, all coordinated by an enterprise orchestration layer. Intake, research, quoting, analysis and delivery run as one flow, with controls that meet regulated financial services standards. The goal is simple: give brokers time back for advice and complex cases.
How the workflow runs
- 1) Intake agent (5 minutes): A 24/7 phone conversation captures needs and priorities, so no forms or call transfers.
- 2) Research agent: Scans the market and checks provider credentials against the FCA Register, then builds a ranked shortlist.
- 3) Quoting agent: Calls providers, works through IVR, waits on hold and collects quotes automatically, with up to four calls in parallel.
- 4) Analysis agent: Uses Jointly Insurance Instruct v1, the firm's insurance LLM, to normalise quote data and score options against the customer's stated priorities.
- 5) Delivery agent: Follows up by phone or email with a clear primary recommendation, plus alternative and budget options in plain language.
Controls, audit and orchestration
Every extracted data point carries a confidence score. If something looks uncertain, the system prompts for clarification before proceeding. It can redial dropped calls, retry unreachable providers and keep working across business hours.
All actions are logged in real time for visibility and audit. That means you can review decisions, evidence advice and support file-ready documentation for compliance and QA. For broader guidance, see the FCA's Consumer Duty.
Why this matters for brokers
- Move administrative load off your desk and redirect time to advice, cross-sell and retention.
- Turn quotes around in 35-45 minutes to hit tighter SLAs and reduce call-backs.
- Capture demand outside office hours with 24/7 intake and automated follow-up.
- Bake market diligence into the process with credential checks against the FCA Register.
- Cut time-on-hold with parallel provider calling across your panel.
Risk and compliance questions to ask
- How does it integrate with your CRM/AMS for case notes, documents and tasks?
- Where are call recordings, transcripts and quote artifacts stored, and for how long?
- What controls enforce advice sign-off, disclosures and fair value assessments?
- How are complaints, vulnerable customer flags and remediation handled?
- Can you customise provider panels, appetite rules and escalation pathways?
- What's the approach to data residency, encryption and role-based access?
- What reporting is available for performance, QA sampling and audit trails?
Commercials and availability
The platform is subscription-based and currently in early access for partner brokers. Jointly AI frames this as a push against a $350bn challenge in the sector: phone-first, relationship-driven processes that software has largely skipped. By automating phone-based quoting and comparison, the aim is wider access to personalised advice while giving brokers capacity for complex cases and client relationships.
If you're exploring AI in broking
For more resources on AI workflows, agent orchestration and compliance-aware automation, see AI for Insurance.
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