Authorize every claim, policy, and PII access — at the line of code.
Carriers process sensitive policyholder and health data under the NAIC Insurance Data Security Model Law and state DOIs, while AI agents increasingly drive claims and underwriting. B5 Secure enforces per-action authority at the methods that adjudicate claims and touch PII — in-process, with audit captured where the action executes.
High-value fraud, sensitive data, and agentic claims.
Insurance combines large, fraud-attractive payouts with deep stores of personal and health data, increasingly processed by automation. Authorization decided at the perimeter cannot constrain which claim, policy, or record an action touches, nor cap an agent’s payout authority. B5 binds the decision to the method that adjudicates or pays, and authorizes the specific record and field it reaches.
Insurance data-security regimes, mapped to enforcement.
Control objectives become demonstrable when enforcement and audit live at the execution point.
| Framework | What it requires | How B5 enforces it |
|---|---|---|
| NAIC Insurance Data Security Model Law (#668) | Access controls, least privilege, and an information-security program | Per-action [Permission] enforcement and execution-point audit |
| State DOI Regulations | Safeguarding nonpublic personal information | Record- and field-level authorization with data minimization |
| HIPAA Security Rule (health lines) | Minimum-necessary access to PHI; audit controls | Limit-data-returned defaults and full attribution at the method |
| GLBA Safeguards | Protect nonpublic personal financial information | Least-privilege scoped credentials bound to operations |
| NIST CSF | Continuous, least-privilege access governance | Deny-by-default enforcement with risk-adaptive controls |
Authorize the payout and the PII it touches.
Activity-data authorization governs the operation and the specific record — the right model for claims and underwriting.
Payout authority ceilings
Claims actions are capped to a scoped amount; agent-driven adjudication cannot exceed its delegated ceiling.
Minimum-necessary data
Default to summary responses and require explicit privilege to widen them — aligned to minimum-necessary PHI access.
Data-element authorization
Authorize down to the specific claim, policy, and sensitive field, with conventions flagging sensitive data.
Provable attribution
Every adjudication and PII access is logged at the execution point with full attribution.
Scoped adjuster integrations
Service-Key limits third-party adjusters and vendors to exactly the endpoints they need.
Inside your boundary
No policyholder or health data leaves your cloud; B5 inherits your compliance perimeter.
Agentic claims and underwriting, governed.
Adjudication agents
An agent adjudicates within a scoped payout ceiling; anything above requires human step-up.
Risk-assessment agents
Read-mostly agents assemble underwriting data with minimum-necessary access to PII.
Policyholder copilots
Assistants draft policy changes for an agent to confirm; sensitive changes require step-up.
B5 enforces; your policy and claims systems remain.
The in-app PEP for the carrier stack.
B5 does not replace your policy administration, claims, or fraud platform. It is the in-process enforcement point that makes their decisions binding at the method that pays a claim or touches PII — inside your own cloud, with attribution captured where the action runs.
Authorize the claim and the data it touches.
See how B5 caps payout authority and enforces minimum-necessary PII access at the method — inside your boundary.
Regulated-grade enforcement, at the record.
Thirty minutes with a B5 engineer: your industry’s obligations, the B1–B5 pipeline, and a data-element authorization decision you can watch happen — with the evidence trail your examiners ask for.