The Allianz Group is one of the world’s leading insurers and asset managers, active in almost 70 countries and serving around 97 million private and corporate customers*. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 764 billion euros** on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 2.0 trillion euros** of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2025, over 156,000 employees achieved total business volume of 186.9 billion euros and an operating profit of 17.4 billion euros for the Group.
The Top 10 Questions and Answers on the topic of “Responsible Use of AI”
1. What does “Responsible Use of AI” mean at Allianz?
Allianz uses artificial intelligence for customer benefit. In addition to make insurance easier, faster, and more affordable, AI must be used safely, transparent, fair and protected. Every AI decision must be accurate, transparent, explainable, free from discrimination and aligned with customer interests. Allianz adopted this approach years before the EU AI Act.
2. Why is trust central to Allianz’s AI strategy?
Insurance is built on trust. Because AI influences customers directly, Allianz ensures that decisions are fair, verifiable and under human oversight. Trust is a core element of the company’s value proposition.
3. What are Allianz’s eight principles for responsible AI?
Allianz applies eight mandatory AI principles:
- Prohibited AI
- Transparency
- Accountability, accuracy and competence
- Security and resilience
- Non discrimination
- Data protection
- Data governance
- Human oversight
These principles apply to all AI use cases across the Group. In all Allianz entities, AI trust officers monitor compliance with the AI principles.
4. How does Allianz ensure transparency when using AI?
Allianz informs customers when they interact with AI. For example, a bot introduces itself as a bot, and text and images are marked accordingly when they are AI-generated. If AI is used for automation, as is pet insurance in Germany, privacy notices are updated accordingly. Every AI application has defined responsibilities and continuous monitoring.
5. How does Allianz protect customer data in AI systems?
Personal data is processed only lawfully, within its purpose and in line with strict internal standards. Allianz does not use customer data to train AI models. Sensitive use cases follow a “human-in-the-loop” approach.
6. Which AI applications does Allianz use today?
Examples include:
- Pet health insurance in Germany: Fully automated claims processing, including invoice reading and automatic payout within hours, with regular sample checks by staff.
- Food spoilage claims in homeowners insurance in Australia: Seven task specific agents accelerate food spoilage claims from days to hours.
- Cybersecurity: AI supports automated detection and mitigation of cyberattacks.
All applications meet requirements for safety, transparency and human oversight.
7. Which AI systems are strictly excluded at Allianz?
Allianz does not use AI systems that:
- perform social scoring,
- analyse employee emotions,
- manipulate or influence people, or
- circumvent legal or regulatory protections.
These systems undermine trust and are prohibited globally.
8. What role do humans play in Allianz’s use of AI?
Allianz follows a consistent “Human in the Loop” principle. Employees review critical cases, validate AI outputs and remain the final decisionmakers. Humans can always overrule AI decisions and in case of any complaints, a human always takes over. Additionally, human will take sample checks of AI outputs.
9. How do Allianz customers view the use of AI?
Insights from trust research show that people are open to AI but critical of it, especially in developed markets. Trust is key. Acceptance rises when companies act transparently, fairly, and responsibly. This is precisely where Allianz’s principles for the responsible use of AI come into play. They help Allianz to use AI in a way that delivers benefits and builds trust while innovating for customer benefit.
10. Which regulatory framework does Allianz follow?
Allianz has created a worldwide minimum standard . Additionally, Allianz will comply with all local and regional applicable laws, e.g. the EU AI Act.
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* Customer count reflects Allianz customers in consolidated entities that are part of the customer reporting scope only.
** As of December 31, 2025.
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