According to a 2025 study by Express Legal Funding cited by OpenAI, nearly one in three adults in the U.S. has already turned to ChatGPT for financial guidance, highlighting growing trust in AI-assisted decision-making.
OpenAI noted that, until now, AI tools were limited to offering general information pulled from static online sources. They could not generate an exact price tailored to an individual or business. This approval marks the first time an insurance company can deliver real quotes and products directly inside an AI platform where hundreds of millions of potential customers already research their options.
Traditionally, purchasing insurance involves paperwork, phone calls, and multiple intermediaries. AI-driven distribution is beginning to eliminate those hurdles by streamlining the process into a natural, conversational experience.
Tuio’s AI app is designed to understand user intent, gather the necessary details through dialogue, and instantly produce a compliant, personalised quote from a regulated insurer - all in real time and within the chat interface.
OpenAI added that this launch is just the start. Insurify, a U.S.-based insurance marketplace, recently received approval as well. Meanwhile, WaniWani confirmed that more than a dozen additional insurance AI apps - spanning partners across North America and Europe - are currently awaiting approval and are expected to roll out soon.
This shift isn’t limited to OpenAI’s ecosystem. Similar AI applications are already appearing on Anthropic’s Claude, and Google’s Gemini is expected to release its own third-party app standards in the near future. Agent-to-agent AI distribution is rapidly becoming a broader industry trend.
Juan García, Co-founder and CEO of Tuio, said the company has heavily invested in AI to enhance customer experience and operational efficiency, adding that being the first insurer live on ChatGPT enables Tuio to reach customers precisely at the moment they’re exploring coverage options.
Raphael Vullierme, Co-founder of WaniWani, described the launch as the starting point of a major transformation in insurance distribution. For the first time, AI systems can access live offers, generate quotes on behalf of users, and compare coverage instantly - a change he believes will affect every insurer, whether they adopt AI apps directly or not.
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