Munich Re needed a practical way to automate insurance product implementation and underwriting-related product design for insurers whose processes were still manual, disconnected, and constrained by unstructured data, legacy systems, and limited technical budgets.
Reported impact
Munich Re reports that the CoPilot improves quality, accuracy, and consistency in product design, reduces time and resources needed for implementation, increases usability through natural-language interaction, and helps insurers speed time to market while lowering cost and effort.
Munich Re implemented REALYTIX ZERO CoPilot as a generative AI assistive function inside its cloud-based REALYTIX ZERO underwriting platform to automate insurance and reinsurance product building. Product designers and developers enter natural-language prompts and required parameters in a chat-style interface, and the CoPilot answers requests step by step during implementation. Its suggestions can be transferred directly into the REALYTIX ZERO product studio, where users configure or adapt products without needing special IT or coding skills. REALYTIX ZERO then serves as the operational environment for digital product configuration, policy and document setup, reporting, and API-based integration with other systems. The source describes prompt-driven guidance, conversational assistance, no-code/low-code implementation, and platform integration, but it does not disclose the underlying model provider, storage architecture, or internal data management components.
Underwriters and product designers enter natural-language prompts and product parameters into REALYTIX ZERO CoPilot. The generative AI function interprets the request, generates implementation suggestions, and lets users transfer them directly into the REALYTIX ZERO product studio. Within the cloud-based platform, those configurations are used to build or adapt products, documents, policies, and notifications, with APIs connecting the setup to other systems.
"It provides suggestions which can be directly transferred into the REALYTIX ZERO product studio."
"REALYTIX ZERO and its CoPilot stands for easy integration, speeding up time to market, reducing costs and increasing efficiency."
"The CoPilot is a Gen AI-driven assistive function which supports designers and developers in implementing or adapting insurance products and smoothly guides them through every single step in the product implementation process."
"The CoPilot speeds up the process time impressively, so that the product design can be completed in a few hours or days."
"The platform is cloud-based, requires no/minimal programming skills and can be easily integrated with other systems through powerful APIs."
"The users do not have to bring any special IT or coding knowledge."
"With the new generative AI-driven CoPilot function integrated into the REALYTIX ZERO underwriting platform, Munich Re is at the forefront of underwriting automation development"
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Scoring methodology
Customer Reference Value measures usefulness as a customer reference. Evidence Confidence measures the quality and traceability of available evidence, not independent verification.
Traceability
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