OpenAI’s First Insurance App Signals a Structural Shift in Capital Markets Distribution

Spain’s Tuio brings real-time home insurance quotes directly into AI conversations, marking a new chapter for insurance and capital markets

In a move that could reshape how insurance is bought and sold, OpenAI has approved the first insurer-built AI application to operate directly within ChatGPT. Developed by Spanish digital insurer Tuio and powered by WaniWani’s AI distribution infrastructure, the app allows users to receive a personalized home insurance quote, and soon purchase a policy, without leaving the chat interface.

For decades, buying insurance has involved lengthy forms, phone calls, or multiple intermediaries. This development removes much of that friction. Through a natural conversation, the AI app understands a user’s needs, gathers the necessary details, and generates a real-time quote from a regulated carrier instantly.

OpenAI noted that consumer behavior is already shifting, citing a 2025 study showing that 33% of U.S. adults have used ChatGPT for financial advice. Until now, AI platforms could only provide general information. This marks the first time an insurer can distribute actual products and pricing directly inside an AI ecosystem where millions conduct research daily.

Juan García, Co-founder and CEO of Tuio, called the launch a turning point: “Being the first provider live on ChatGPT allows us to convert new customers right at the point of discovery.”

Industry experts say the implications extend beyond retail insurance. With other insurers in the approval pipeline and similar infrastructure expanding across AI platforms, agent-to-agent distribution could fundamentally transform insurance and capital market ecosystems worldwide.