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Bob is a white-label AI that answers in your firm's brand and gives governed advice under your FAP. Answers show their reasons and cited sources, and anything that is advice is held for a licensed adviser to approve and bind. Compliance is built in, not bolted on. Not a general chatbot: it knows your book, your rules, and the rules that govern advice here.
A general chatbot cannot give regulated advice, cannot bind a policy, and no one is accountable when it is wrong. Bob is different: it is your firm's own agent, on the record, with a licensed human behind every decision.
A per-firm memory of every household, so Bob never asks a client twice. Your book is yours, and it is never shared with another firm.
Every answer carries its reasons and cited sources, with confidence shown. You build an audit trail as you go, ready for a regulator.
Anything that is advice is held for a licensed adviser to approve and bind under your FAP. A person is accountable, on the record.
One flow from first hello to a bound policy, with a licensed adviser at the point where it counts and a record of every step.
On your firm's site, chat, and email, day or night. Bob discloses it is AI, runs the intake, and captures the risk in a short conversation.
In your brand
Bob returns a clear, itemised indicative estimate, with its reasoning and a confidence level shown. Never a single opaque number.
Itemised and explainable
Anything that is advice is held for one of your advisers to review, approve, and bind under your FAP. Bob never binds.
A human is accountable
Each step is written to an append-only record with reason codes and cited sources, so the whole thread is ready for a regulator.
Audit-ready
An example intake on your own site, in your brand. Bob discloses it is AI, keeps the estimate indicative, and hands the decision to a licensed adviser.
A general chatbot can produce a plausible answer, but no one is accountable and there is no working. The old way is trustworthy but slow and scattered across tools. Bob keeps the speed and the accountability.
| A general chatbot | Bob | The old way | |
|---|---|---|---|
| Knows your firm's book and each household | No | Yes | In separate systems |
| Shows its reasons and cited sources | No | Yes | By hand |
| Answers 24/7 in your brand | No | Yes | No |
| A licensed adviser is accountable | No | Yes | Yes |
| Every decision logged for audit | No | Yes | Manual |
| Gives regulated advice or binds | No | No, hands to a licensed human | Yes, the adviser |
Bob starts as a copilot. It prepares and explains; your adviser reviews, adjusts, and binds. You turn up autonomy per action as trust builds, within limits you set.
Every estimate is clearly labelled indicative: a starting point prepared by AI, not a bound policy and not final advice. Bob always discloses it is AI, keeps its reasons and cited sources on the record, and hands anything that is advice to a licensed adviser to approve and bind under your firm's FAP. Carrier-verified rating and voice are on the roadmap; today Bob answers on web, chat, and email, and estimates use a transparent indicative model, with every decision logged.
Bob is the firm's own product, not a tool it rents. Your brand, your domain, your rules, your data, and a compliance record built as you go.
Bob gives governed advice in your firm's name, not just information. A co-founder holds the FAP today.
Designed for the FMA and FSLAA, with sensitive and health data kept in region.
Estimates are clearly labelled indicative. A licensed human approves and binds every policy.
Reason codes and cited sources on every step, ready for a regulator.
A general assistant cannot give regulated advice, cannot bind a policy, and no one is accountable when it is wrong. Bob is your firm's own agent: it knows your book, discloses it is AI, shows its reasons and cited sources, and hands anything that is advice to a licensed adviser to approve and bind under your FAP.