OpenAI has approved the first insurance provider–built AI application on ChatGPT, marking a milestone in the evolution of digital insurance distribution.
The app was developed by Tuio, one of Spain’s leading digital insurers, and is powered by WaniWani’s AI distribution infrastructure. It allows users to receive a personalised home insurance quote and soon complete a policy purchase entirely within a ChatGPT conversation.
OpenAI cited a 2025 Express Legal Funding study showing that 33% of U.S. adults have already used ChatGPT for financial advice, highlighting the growing role of conversational AI in consumer decision-making.
“Until today, AI could only provide generic answers drawn from static web page content. It could not quote a real price for a real person or business. For the first time, an insurance provider can distribute its products and offer quotes directly inside an AI platform where hundreds of millions of insurance buyers are already performing their research,” OpenAI said.
“For businesses or consumers, buying insurance coverage requires filling out forms, making calls, or going through different layers of intermediaries. AI is now changing that by removing these friction points.”
According to OpenAI, Tuio’s AI app is able to understand user intent, gather the necessary information through natural conversation, and return an accurate, personalised quote from a regulated carrier in real time—without the user leaving the AI interface.
The approval signals a broader shift in insurance distribution. OpenAI noted that Tuio’s launch is only the beginning, revealing that Insurify, a U.S.-based insurance aggregator, was also approved last week. In addition, WaniWani said that a dozen more insurance AI apps from customers and partners across North America and Europe are currently in the approval pipeline and expected to go live in the coming weeks.
The trend extends beyond OpenAI’s ecosystem. AI apps built on the same infrastructure and standards have already been adopted by Anthropic’s Claude, while Google’s Gemini is expected to publish its own standards for third-party apps in the coming months. The move toward agent-to-agent distribution is increasingly being viewed as an industry-wide shift.
Juan García, Co-founder & CEO of Tuio, said: “We’ve massively leveraged AI to improve our insurance experience and run more efficiently. Being the first provider live on ChatGPT allows us to convert new customers right at the point of discovery.”
Raphael Vullierme, Co-founder of WaniWani, added: “I spent almost a decade running an insurer, sitting inside the insurance value chain. I could foresee how AI would reshape distribution. Today is day zero of that transformation.
“For the first time, AI can access real offers, quote on behalf of the buyer, and compare coverage in real time. Every insurer will be impacted, whether they’ve built an AI app or not.”
