Cogitate Marks Two Years of CAIRA, Advancing Embedded Agentic AI Across the Insurance Lifecycle

ATLANTA, Oct. 15, 2026 /PRNewswire/ -- Cogitate, a leading provider of AI-powered core insurance technology, marks the two-year anniversary of CAIRA, its embedded AI intelligence within the DigitalEdge Insurance Platform, and a significant evolution in the company's vision for AI across the insurance lifecycle.

Introduced two years ago, CAIRA was built around a clear principle: use AI to amplify insurance expertise, not replace it. Today, CAIRA is evolving into one intelligence layer across DigitalEdge, embedding AI Agents throughout policy and claims workflows to remove manual friction, surface contextual insights, and support faster, more informed decisions while keeping insurance professionals firmly in the lead.

Over the past two years, Cogitate has expanded CAIRA with purpose-built AI Agents that address specific points of friction across the insurance lifecycle. Within underwriting, AI Agents can read and extract risk information from complex submissions, validate data, evaluate appetite, support quoting and issuance, review inspections, and surface intelligence from portfolio data. Within claims, CAIRA capabilities span FNOL intake, fraud signals, coverage review, and the identification and analysis of attorney demand packages.

"Insurance runs on judgment, and we built CAIRA to amplify it, never to replace it," said Arvind Kaushal, CEO & Co-Founder of Cogitate. "Our focus is taking the friction out of the insurance lifecycle so the expert can spend more time on the work that requires their experience and judgment. The decision stays with the human. CAIRA clears the work standing between the expert and that decision."

CAIRA's evolution also reflects Cogitate's broader approach to agentic AI. Rather than deploying AI as a standalone application, CAIRA is embedded within the DigitalEdge platform and the workflows where insurance work already happens. AI intelligence, workflow automation, data integrations, and human expertise work together to deliver business value, with transparency built into the experience.

The next phase of CAIRA extends that intelligence through orchestration. Cogitate is advancing an orchestration layer designed to understand a user's intent and coordinate the appropriate AI Agents and platform capabilities across a workflow. As this intelligence expands across policy, claims, billing, and distribution, individual AI Agents will increasingly work together to support the lifecycle from beginning to end.

About Cogitate

The Cogitate DigitalEdge Insurance Platform digitalizes insurance across the value chain, offering insurance carriers, MGAs, MGUs, and program administrators a smooth transition to cloud-native, data-driven core underwriting, policy, billing, and claim applications. The AI-powered, unified insurance platform unlocks the value of first-party data and advances the power of third-party data for profitable growth, superior risk selection, and a streamlined, modern user experience.

Learn more at cogitate.com.

Marketing & Communications Contact
Pamela Simpson, Director of Marketing
[email protected]

SOURCE Cogitate