AI that works: AI accuracy you can count on

In any kind of partnership, the most valuable thing you can build is trust. Trust that you’ll stay true to your word, that you’ll be straightforward and helpful, that you’ll be someone who gets things done.

As soon as there’s a tiny crack in that trust—even if you’ve spent over a decade building it—skepticism creeps in. Does that wrong census count mean you’re getting sloppy? Cutting corners? Is this what working with you looks like now?

Everyone makes a mistake from time to time. And of course, you can earn trust back. But the cost of small mistakes in benefits placement is high: awkward conversations with clients, delayed underwriting, pushed-back effective dates. These issues are annoying to deal with now and chip away at your good standing with partners and clients over time.

Which is why brokers and carriers have to be careful when considering AI-powered tools. While the potential for AI to make you and your team more productive is high, it also carries the risk of errors.

ThreeFlow has been shipping AI in production since 2024. With two years and hundreds of real quotes, real documents, and real data under our belts, we know what it takes to build AI that can handle the inconsistencies in benefits data, and accuracy is how we measure whether it’s working.

“AI-powered” does not mean “accurate”

It’s hard to find a vendor that’s not shoving AI down your throat. Every company wants to show that they’re modern and innovative, building features that are “on the cutting edge of technology” that you need right now—lest you fall behind.

Very few, though, are publishing the behind-the-scenes: how they adapted their model to benefits placement and make sure it’s working properly, day in and day out.

That matters a lot in an industry where the devil is in the details:

• A carrier quote might list three different rates depending on plan tier or rate guarantees → AI needs to understand which rate is the right rate to pull.
• Numbers, decimals, units (e.g., per $1,000 of volume), effective dates, and tier structures all have to flow into quote comparison exactly as they appear on a carrier’s proposal → AI can’t hallucinate or round up.

So, before you trust an AI tool with any part of your placement workflow, you need to know:

1. What accuracy threshold your vendor is using, and whether you’re comfortable with it.
2. How they audit their accuracy metrics over time, and how they respond when things go awry.

How ThreeFlow defines and measures accuracy

At ThreeFlow, we have a very high bar for AI outputs, including a three-part framework for measuring AI feature effectiveness:

1. Accuracy. Did AI find the correct values in your document and extract them properly? Every mismatch is a potential downstream error—during quote analysis, client presentation, or worse, once the policy is active. We want to address that upfront.
2. Precision. When AI returns a value, is it right? We don’t want AI populating rates, dates, tiers, and other important values with numbers that don’t match source documents. That’s a recipe for a fire drill at enrollment. 
3. Recall. Does AI find all the values that exist in a document? If it doesn’t, you waste time sifting through the original document, which defeats the whole purpose of the feature.

Our thresholds for all three sit between 90 and 95% on every AI-powered workflow: extracting carrier data, normalizing that data, formatting client presentations , and building coverages.

And we don’t just measure performance at launch. We run audits every month to make sure any issues are caught and rectified.

What happens when accuracy drops

As soon as we detect a problem, ThreeFlow Assist takes over the affected workflow. That way, there’s no manual entry burden on the broker or carrier.

Before that model is ever used again in production, we retrain it, starting by diagnosing where the issue stems from—a new carrier format, a line of coverage, or another edge case the original training data didn’t account for—and fixing it at the source.

We also show you what’s happening. Every field in ThreeFlow displays a source, either AI, user defaults, or manual entry. Nothing is a black box. If a value looks off, you can trace it back in a few clicks instead of blindly trusting that everything’s working.

Where AI is already working

Even within our tight benchmarks, we’re seeing success across several ThreeFlow features:

Smart proposals and renewals (for carriers)

No more re-keying values from PDFs or long email chains. Carriers can upload a proposal document or renewal letter, and ThreeFlow will populate a quote with normalized values in a matter of minutes.

Carriers get accurate quotes back to brokers quicker, with less liability and a fraction of the manual work.

AI-assisted coverage builds (for brokers)

32% of brokers said extracting carrier data was their most manual task last year. And it’s not surprising—it takes hours to set up coverages and map data by hand.

Now with ThreeFlow, brokers can upload census and prior plan documents, and ThreeFlow’s AI builds the coverages for them, getting groups to market faster.

Normalization across carriers (for brokers)

Nearly a quarter (24%) of brokers say gathering and organizing RFP responses is a big pain point in their workflow. ThreeFlow normalizes carrier values automatically, so brokers have apples-to-apples data ready for analysis.

For the past two years, the best brokers and carriers getting the most out of these features are actually reaping the AI benefits everyone is raving about:

• Getting more placements out the door 
• Spending less time on menial tasks
• Handling more volume without adding headcount

Accuracy is a commitment, not a talking point

Most vendors will tell you their product is AI-powered. Most vendors will not take the time to explain their guardrails, testing process, and how errors are caught.

ThreeFlow publishes its accuracy standards, backs them with a dedicated AI team and continuous prompt development, and designs every new feature with the benefits placement process in mind.

Because we take accuracy so seriously, we’re happy to walk you through our end-to-end process, and our vision for AI taking work off your plate—without putting your relationships at risk.

‍See how AI accelerates broker and carrier workflows →