Tuio, a Spain-based digital insurer, and WaniWani, an AI distribution infrastructure provider, have achieved a major industry first after OpenAI approved the launch of an insurance provider–built AI application on ChatGPT.
The partnership aims to modernise insurance distribution by embedding the full quoting journey into conversational AI, allowing consumers to research, receive and soon purchase home insurance policies without leaving ChatGPT, according to InsurTech Insights.
This approach addresses long-standing friction points in insurance buying, including complex forms, intermediary layers and fragmented digital journeys.
Tuio operates as a digital-first insurer focused on simplifying home insurance through technology-led experiences. By leveraging artificial intelligence across underwriting, customer engagement and operations, the company seeks to deliver faster, more transparent insurance products tailored to individual needs.
The ChatGPT application represents Tuio’s latest step in meeting customers at the point of discovery, where insurance research increasingly begins.
WaniWani provides the AI distribution infrastructure that powers the application, enabling regulated insurance products to be quoted and distributed securely within third-party AI platforms.
Its technology allows conversational agents to understand user intent, collect the necessary data through natural dialogue and return accurate, personalised quotes in real time from authorised carriers.
According to OpenAI, the approval reflects changing consumer behaviour and the growing role of conversational AI in financial decision-making. The company referenced a 2025 Express Legal Funding study showing that 33% of US adults have already used ChatGPT for financial advice, underlining the platform’s emergence as a new distribution channel for FinTech and InsurTech products.
The approval also signals a broader shift in the insurance sector. OpenAI confirmed that Insurify, a US-based insurance aggregator, was approved shortly after Tuio, while WaniWani revealed that more than a dozen additional insurance AI applications across North America and Europe are currently in the approval pipeline. Beyond OpenAI, similar AI applications built on the same standards have already been adopted by Anthropic’s Claude, with Google’s Gemini expected to introduce its own third-party app framework in the coming months.
OpenAI said, “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 added, “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.”
Tuio co-founder and CEO Juan García 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.”
WaniWani co-founder Raphael Vullierme said, “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.”
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