# IAM for Insurance ## Verify Trust in Insurance Build a unified identity fabric that gives your policyholders, brokers, partners, and employees trusted digital experiences. See how digital identity is transforming the insurance industry. [Get the Solution Brief](https://hub.pingidentity.com/insurance/3767-verify-trust-insurance) We work with the world’s top brands ![](https://www.pingidentity.com/content/dam/picr/ind/ins/logo-light-2055x76.svg) The Challenge ## Trust Is Harder to Earn and Easier to Lose ### Fraud Doesn’t Stop at Login Attackers target onboarding, claims, payouts, account recovery, support desks, broker access, and policy servicing. Big risks often appear after authentication. ### AI Scales Insurance Risk AI agents can access policy data, process claims, support customers, and assist underwriters. Without identity controls, every new agent becomes a new attack surface. ### Compliance is Evolving Regulators want evidence that controls are working beyond access reviews and reports. Identity must continuously enforce trust and create audit trails as decisions happen. The Solution ## One Identity Fabric. Continuous Trust. The Ping Identity Platform brings customers, workforce, brokers, partners, privileged users, and AI identities together in a converged identity fabric. Every insurance interaction is continuously verified, evaluated, authorized, and governed in real time. Privacy, compliance, fraud prevention, and auditability are built in by design. The result? Less fraud and friction. More trust and customer loyalty. ### Customer Identity That Keeps Fraud Out With adaptive verification, risk intelligence, privacy-preserving biometrics, and real-time authorization, you can secure journeys for quotes, binding, onboarding, claims, recovery, and payout journeys. Less fraud. No added friction. ### Workforce Access That Moves at Business Speed Protect employees, claims handlers, underwriters, contractors, and support with phishing-resistant authentication, lifecycle governance, and just-in-time privilege. Secure work from anywhere without slowing anyone down. ### Third-Party Access Without the Blind Spots Govern and audit access for brokers, MGAs, TPAs, repair networks, providers, and ecosystem partners with delegated administration and relationship-based authorization. Expand your ecosystem without expanding your risk. ### Identity for AI That Controls Agents at Runtime Treat AI agents like first-class identities. Authenticate them, bind them to a human, define what they can do, enforce delegated authority, and preserve evidence for every action. Scale AI safely without creating invisible risk. ### Privileged Access Without Standing Risk Replace static admin credentials with just-in-time, policy-based access. Enforce step-up, approvals, and duration limits, and maintain complete auditability. Reduce risk across hybrid, cloud, and legacy environments. With Ping, Pekin Insurance deployed SSO, MFA, and risk-based authentication that only challenges users when something looks suspicious. They got stronger protection, better visibility, and a smoother experience. “Ping also offered a solid solution that can work with all three of our identity types: employees, agents, and eventually customers.” Ray Lewis Director of Enterprise Security, Pekin Insurance [Read Customer Story](https://www.pingidentity.com/en/customer-stories/4155-pekin-insurance.html) 7,000+ Agents deployed with MFA in just over four months 22 States Served across auto, home, life, and business insurance ## Why Ping Identity? Securing your most sensitive access points shouldn’t mean being locked into a single stack or stitching together a dozen tools. Our platform combines a powerful IdP foundation with a suite of services that are interoperable with any provider. No matter where you start, you can unlock value with flexibility, speed, and scale across every stage of your identity journey. Here’s what sets us apart: - One identity fabric for customers, workforce, third-parties, and agentic AI - Trusted by leading insurers worldwide - Built for enterprise-grade scale across SaaS, hybrid, and self-managed deployments [Explore Our Platform](https://www.pingidentity.com/en/platform.html) ## Enable Agentic AI to Differentiate Enable agentic AI and automation to create differentiated insurance experiences that strengthen customer loyalty, increase lifetime value, and keep every digital interaction trusted, governed, and secure. [Get the White Paper](https://hub.pingidentity.com/insurance/4389-agentic-ai-financial-services) Helpful Resources ## Frequently Asked Questions ### Why does insurance need continuous identity verification? Insurance risk often appears after login in policy views, address changes, beneficiary updates, claim submissions, payout requests, broker quotes, and admin actions. None of these should inherit the same level of trust. Continuous verification helps insurers apply the right control at the right moment based on user, device, behavior, relationship, claim, policy, jurisdiction, and risk context. ### How can insurers reduce fraud without increasing customer friction? By combining risk intelligence, identity verification, biometric person continuity, orchestration, and action-aware authorization, your legitimate customers can move faster while high-risk activity is challenged, limited, or denied. With adaptive journeys, you only step up security measures when risk requires it. ### How does identity improve the insurance customer experience? Identity can reduce repeated registration, duplicate verification, disruptive MFA, recovery friction, and disconnected product journeys. With Ping Identity, insurers can orchestrate low-friction onboarding, trusted login, secure recovery, claims continuity, consent capture, and cross-product engagement while preserving trust. ### How can insurers secure broker, agent, and partner access? Insurers need more than static federation and broad roles. Ping Identity helps govern broker and partner access using delegated administration, agency hierarchy, relationship-based authorization, adaptive step-up, access governance, and audit trails across quotes, binding, servicing, claims, APIs, and partner workflows. ### How does Ping Identity help secure claims? Ping Identity helps insurers verify claimants and partners, assess risk during FNOL and document upload, secure call center handoffs, govern vendor and repairer access, and authorize payouts based on claim type, payout value, claimant role, vendor role, jurisdiction, and risk context. Claims move faster and safer, and stay trusted. ### What role does identity play in agentic AI for insurance? AI agents need their own identities, permissions, lifecycle controls, monitoring, and audit trails. Ping Identity helps insurers authenticate AI agents, bind them to the right human or business principal, enforce delegated authority, apply least privilege, require human review for sensitive actions, and log every action for accountability.