OUR ENGAGEMENTS
Three engagements,
each with a clear
written outcome.
Whether you are reading the landscape for the first time, running a supervised pilot, or looking for independent oversight of AI already in use — etoileagee has a scoped engagement to suit where your team is now.
Back to HomeOUR APPROACH
How etoileagee works before, during, and after.
Every etoileagee engagement begins with reading — not selling. We start with a conversation about your firm, your underwriting line, and what you are currently thinking about. That conversation is free and without obligation. From there, if there is a fit, we scope an engagement that matches where your team actually is.
Our methodology holds three principles throughout: AI reads and flags, the underwriter decides; every step produces a written document; and regulatory alignment is verified, not assumed. These principles do not vary by engagement size or client seniority.
The three engagements below are complete deliverables, not phases of a larger project that requires you to commit further. A Workflow Review stands on its own. A Pilot stands on its own. Stewardship stands on its own. Many clients proceed through all three over time; others stay at one. We are comfortable with either.
Listen and read
We sit with your team and read your actual workflows before we write anything.
Write and align
Every brief is written against the actual regulatory documents, not summaries of them.
Deliver and stand behind
We review deliverables with your team and remain available for questions after submission.
ENGAGEMENT 01
Underwriting Workflow Review
RM 1,290
A focused engagement in which we read a sample of your firm's underwriting workflows for one line of business, sit with a senior underwriter and one chief medical officer, and write a brief on where AI summarisation could carefully assist. The work is BNM, ISM, and PIDM-aware throughout. Well-suited to general and life insurers preparing for IFRS 17-related operational reviews.
- Workflow sample review for one line of business
- Structured sessions with senior underwriter and CMO
- Written brief on AI assistance opportunities and boundary conditions
- BNM, ISM, and PIDM alignment throughout
- IFRS 17 operational review context available
PROCESS
Typical duration: 2–3 weeks
ENGAGEMENT 02
Reading & Drafting Pilot
RM 5,090
A measured pilot of an AI assist that reads proposal forms, drafts a first-pass underwriting note, and surfaces medical-report inconsistencies for human review. Integration is read-only and contained; underwriters confirm every decision. Includes a six-week supervised period, bilingual training, and a usage policy aligned with BNM and PDPA.
- Read-only AI integration, contained to defined data scope
- Six-week supervised live period with daily check-ins
- Bilingual team training (English and Bahasa Malaysia)
- Written usage policy aligned with BNM and PDPA
- Close-out report with underwriter feedback and next-step recommendations
PROCESS
Typical duration: 8–10 weeks including onboarding
ENGAGEMENT 03
Quarterly Underwriting Stewardship
RM 4,790 / quarter
A quarterly advisory engagement for insurance leaders whose teams already use AI assists. Each quarter we sample outputs, audit data boundaries, and write a brief for your chief underwriter. Includes alignment with BNM, ISM, PDPA, and PIDM circulars, plus a yearly written summary suitable for your audit committee.
- Quarterly output sampling and data boundary audit
- Written brief for chief underwriter each quarter
- BNM, ISM, PDPA, and PIDM circular tracking and incorporation
- Yearly written summary for audit committee
- No minimum contract length required
PROCESS (EACH QUARTER)
Ongoing, priced per quarter. Yearly summary in Q4.
DECISION GUIDE
Which engagement is right for your firm?
| FEATURE | WORKFLOW REVIEW | READING & DRAFTING | STEWARDSHIP |
|---|---|---|---|
| Best for... | Exploratory stage; IFRS 17 prep | Ready to test AI with supervision | AI already in use; needs oversight |
| AI system deployed | |||
| Written brief delivered | |||
| BNM/ISM/PDPA alignment | |||
| Bilingual training included | |||
| Audit committee summary | |||
| Price (MYR) | RM 1,290 | RM 5,090 | RM 4,790 / qtr |
Reading & Drafting Pilot highlighted as most common starting engagement for firms new to AI integration.
PRICING
Clear pricing for each engagement.
ENGAGEMENT 01
Workflow Review
RM 1,290
- One line of business
- Senior underwriter & CMO sessions
- Written brief delivered
- BNM, ISM, PIDM aligned
- 2–3 weeks
ENGAGEMENT 02 · MOST COMMON
Reading & Drafting Pilot
RM 5,090
- Read-only AI integration
- Six-week supervised period
- Bilingual training (BM & EN)
- Written usage policy
- Close-out report
ENGAGEMENT 03
Quarterly Stewardship
RM 4,790
per quarter
- Output sampling each quarter
- Data boundary audit
- Circular tracking (BNM/ISM/PIDM)
- Quarterly brief + yearly summary
- No minimum contract
SHARED ACROSS ALL ENGAGEMENTS
Standards that do not change by engagement size.
Data Security
AI access is limited to the scope defined before the engagement begins. No access is granted to systems or data outside that scope without a separate written agreement.
Human Confirmation
A named underwriter must confirm every AI-assisted output before it reaches a decision file. This requirement cannot be waived and is documented in the usage policy of every engagement.
Written Deliverables
Every engagement produces at least one signed, dated written document. Deliverables are reviewed with your team before being finalised and are designed for compliance or board use.
Regulatory Alignment
BNM guidelines, ISM standards, the PDPA, and PIDM circulars are primary reference documents for every engagement. We verify alignment against source documents, not secondhand summaries.
Transparent Communication
We communicate in writing throughout every engagement. If scope or timeline changes, we document the change and the reason. Your team is never surprised by a new request or a cost addition.
Malaysia-Specific Practice
Our work is grounded in the Malaysian insurance market. We do not apply frameworks from other jurisdictions and assume they transfer. Every recommendation reflects the regulatory and operational context your team operates in.
GET STARTED
Not sure which engagement fits? Ask us.
Send a short description of your firm and where you are with AI in underwriting, and we will suggest the right starting point. There is no pressure to commit to anything before that conversation.
Request a Briefing