182 models ranked for insurance and risk management. Scored with bonuses for reasoning (risk assessment), large context (policy documents), JSON mode (structured claims), vision (damage assessment), and function calling.
| # | Model | Score |
|---|---|---|
| 1 | GPT-5.4 ProOpenAI | 92 |
| 2 | GPT-5.4OpenAI | 92 |
| 3 | GPT-5.2 ProOpenAI | 91 |
| 4 | Claude Opus 4.6 (Fast)Anthropic | 90 |
| 5 | Claude Opus 4.6Anthropic | 90 |
| 6 | GPT-5.2-CodexOpenAI | 90 |
| 7 | GPT-5.2OpenAI | 90 |
| 8 | Grok 4.20xAI | 89 |
| 9 | GPT-5.3-CodexOpenAI | 89 |
| 10 | GPT-5 ProOpenAI | 89 |
| 11 | Gemini 3 Flash PreviewGoogle | 88 |
| 12 | Grok 4xAI | 88 |
| 13 | GPT-5.1-Codex-MaxOpenAI | 88 |
| 14 | GPT-5 CodexOpenAI | 88 |
| 15 | GPT-5OpenAI | 88 |
| 16 | GPT-5.1OpenAI | 87 |
| 17 | GPT-5.1-CodexOpenAI | 87 |
| 18 | GPT-5.1-Codex-MiniOpenAI | 87 |
| 19 | o3 Deep ResearchOpenAI | 87 |
| 20 | o3 ProOpenAI | 87 |
| 21 | o3OpenAI | 87 |
| 22 | Grok 4.20 Multi-AgentxAI | 88 |
| 23 | Claude Sonnet 4.6Anthropic | 85 |
| 24 | Claude Opus 4.5Anthropic | 85 |
| 25 | Gemini 2.5 ProGoogle | 84 |
| 26 | Gemini 2.5 Pro Preview 06-05Google | 84 |
| 27 | Gemini 2.5 Pro Preview 05-06Google | 84 |
| 28 | Claude Sonnet 4.5Anthropic | 82 |
| 29 | o4 Mini Deep ResearchOpenAI | 81 |
| 30 | o4 MiniOpenAI | 81 |
Automate claims intake, document extraction, and settlement calculations. Vision models assess damage from photos while JSON mode produces structured claim reports.
Evaluate risk profiles, analyze actuarial data, and price policies. Reasoning models weigh multiple risk factors and explain underwriting decisions.
Identify suspicious patterns in claims, flag inconsistencies, and cross-reference data. Large context processes full claim histories for pattern recognition.
Summarize policy documents, compare coverage options, and explain terms. Large context handles full policy contracts for comprehensive analysis.
Vision models analyze damage photos and medical documents. Reasoning assesses claim validity against policy terms. Function calling integrates with claims management systems. JSON mode outputs structured claim assessments for adjuster review. Human oversight remains essential for final decisions.
Models analyze risk factors, process application data, and generate underwriting recommendations. Reasoning handles complex risk assessments with multiple variables. Web search accesses public records and industry databases. Large context processes lengthy medical records and financial statements.
Yes, chatbots handle quote requests, policy inquiries, and simple claims. Streaming provides real-time responses. Function calling integrates with policy management systems. For regulated communications, implement compliance review before AI-generated content reaches customers.
Reasoning identifies inconsistent claim narratives and suspicious patterns. Vision detects manipulated damage photos. Function calling cross-references claims databases. Large context processes claim histories for pattern analysis. Web search verifies external data points.