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  5. The Challenge Isn’t AI. The Challenge Is Authorization.

FAQ

Insurance companies can apply runtime authorization policies to AI agents and automated services to control access to sensitive data and business operations. Axiomatics evaluates requests against defined policies and contextual attributes, helping ensure agents operate within authorized boundaries when accessing claims, underwriting, and policyholder systems.

Dynamic authorization helps insurers implement consistent, auditable access controls that support applicable security and privacy obligations. Depending on jurisdiction and business activities, these may include GDPR, DORA, GLBA, NYDFS Part 500, APRA CPS 234, and Solvency II-related governance requirements. Authorization is one component of a broader compliance program, rather than a guarantee of compliance.

Policy-driven authorization enables insurers to define and enforce granular rules controlling who can view, modify, or share policyholder information. These policies can consider the user's relationship to a customer, the sensitivity of the data, the purpose of access, and applicable restrictions, helping prevent unnecessary exposure of personal, financial, and health information.

Dynamic authorization evaluates access requests in real time based on attributes such as user identity, job responsibilities, assigned claims, customer relationships, data sensitivity, and the context of the request. Unlike static role-based access controls, it allows insurance companies to make more precise access decisions as circumstances change.

Typically, no. In an externalized authorization architecture, the PEP requests and enforces authorization decisions, while the PDP evaluates the policies. The PEP may collect request information and perform enforcement-related functions, but the policy evaluation logic is generally handled by the PDP.

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