As economist Murray Rothbard once said, "money is the lifeblood of the economy". And if so, insurance is what keeps that blood flowing. You pay to protect every aspect of your life , yet when something happens, you are too often left with confusion instead of clarity. InsurAGI puts you back in control.
Most insurers and brokers run on disconnected systems: one for policies, one for terms, one for claims, one for billing, one for documents. They don’t talk to each other, so you end up doing the work.
You upload your insurance letters as PDF-files (don't worry, we help you find them). We match them against our database of Terms & Conditions , for both traditional insurances and coverage from other sources , so your insurance is connected to the right T&Cs.
We organize your insurance into a clear overview. Then, we identify gaps where you think you’re covered but aren’t, overlaps where you might be paying twice, and show you how to optimize your coverage.
When your policies are uploaded and synced, you can ask InsurAGI any question you might have about your insurance coverage. As all answers are derived from your actual terms and conditions, InsurAGI gets it right when mainstream AI-tools regularly fall short.
Insurance shouldn’t be a once-a-year panic. It should be continuously clear. InsurAGI is your automated insurance tool , helping you stay correctly insured, balancing risk, coverage, and cost. As life changes, your protection should keep up , automatically.
12,000+ policies analyzed
InsurAGI is built around one rule: we work for the member, not the insurer.
We’re focused on the EU market because Europe is moving toward more consumer-friendly insurance infrastructure , often described as “open insurance.” That shift should mean more portability, more transparency, and better experiences for people insured. We want to be a part of that future.
Built by people who have spent their careers at the intersection of technology, insurance, and law.
15+ years in enterprise technology and cybersecurity at Vectra AI, Symantec, and Blue Coat Systems. Scaled the Nordic region from zero to more than €10M in annual revenue. Leads product, strategy, and go-to-market at InsurAGI.
Richard Ramberg is a Swedish entrepreneur, lawyer, and insurance technology specialist, and co-founder of InsurAGI. He is a frequent writer on insurance-related matters, with a focus on helping consumers understand, optimize, and take control of their insurance coverage through data-driven insights and AI.
After graduating in 2010 with two Master’s degrees—a Master of Laws (LL.M.) from Uppsala University and a Master’s in Comparative Legal Studies from Pace University School of Law in New York—Richard began his legal career at a Tier 1 law firm in Stockholm, specializing in Capital Markets and M&A. He later became a member of the Swedish Bar Association and worked at the Scandinavian private equity firm Nordic Capital between 2014 and 2015.
In 2017, Richard passed SwedSec’s licensing exam for investment advisors, covering, inter alia, insurance and insurance-related financial products. His professional background combines legal expertise, financial analysis, and a practical understanding of how complex policy structures affect real-world insurance outcomes. He has reviewed and analyzed a large number of insurance policies across major Swedish insurers.
Through InsurAGI, Richard is developing tools designed to identify coverage gaps, eliminate duplicate insurance, and provide users with clear, actionable insights into their protection.
Outside of his professional work, Richard is an avid mountain climber and holds the Swedish speed record for climbing Mount Everest, which he summited on 13 May 2022.
“Insurance should work for the person paying the premium, not the other way around. We built InsurAGI because we saw how hard it is for people to understand what they are actually covered for.”
No. InsurAGI never sells, shares, or provides your personal data to insurers, brokers, or any third party. Your documents are processed solely to generate your coverage analysis and are stored with 256-bit AES encryption in EU-based infrastructure. You retain full ownership and can export or permanently delete all your data at any time from your account settings.
No. InsurAGI works exclusively from the documents you upload. We never contact your insurer, broker, or any third party on your behalf, and no one is notified when you use the service. Your analysis is completely private, and your insurer has no visibility into what you review or any questions you ask.
No. InsurAGI provides guidance based solely on your own policy documents and their associated terms and conditions. We do not recommend, sell, or broker insurance products, and we earn no commissions from any insurer. This independence means our analysis is always aligned with your interests, not with any insurance provider.
You upload your insurance letters (yearly statements, renewal notices, coverage summaries) and policy documents as PDFs by dragging and dropping them into your insurance wallet. InsurAGI then matches each document against its database of European terms and conditions to connect the right policy wording to the right coverage. Email forwarding and WhatsApp upload are on the roadmap.
Sweden is fully live today, covering both direct insurance policies and indirect coverage from credit cards, employers, and unions. France and Germany are the next markets launching, and the platform already indexes European terms and conditions across multiple markets. The long-term goal is full coverage of all EU member states.
InsurAGI works in three steps. First, you upload your insurance letters and policy documents as PDFs into your insurance wallet. Second, the AI reads, matches, and analyzes your policies against a database of European terms and conditions to build a complete picture of your coverage. Third, you can ask questions about any scenario and receive answers grounded in your actual policy wording.
InsurAGI is fully available in Sweden today, covering both direct policies and indirect coverage from credit cards, employers, and unions. France and Germany are the next markets launching, and the platform already indexes European terms and conditions across multiple markets. The long-term goal is to serve all EU member states with localized terms and conditions databases.
InsurAGI has a free Basic plan that covers an unlimited number of monitored policies, your InsurAGI coverage score from 0 to 100, incident logging, and limited AI-guidance. Premium costs €4.99 per month (49 kr in Sweden) and adds advanced analysis and AI-guidance, automatic re-checks when your insurer changes its terms, renewal and deadline alerts, and an assessment when a claim is denied. A Premium Family plan for households is in development and is not yet available to buy.