Import. Analyze. Decide.
Compare your policy proposals accurately and generate a clear, reliable and defensible summary.
Step 01
Import and structure your offers
Automated document processing
Quotes, policy wordings, endorsements and supporting documents are automatically analyzed and structured, no manual data entry required.
Intelligent data extraction
Premiums, deductibles, coverage limits, sublimits and key exclusions are identified and standardized for accurate comparison.
Centralized comparison workspace
All quotes are consolidated into a single structured view, ready for side-by-side analysis.
Step 02
Normalize and truly compare
Intelligent coverage alignment
Panora harmonizes carrier terminology and structures policy wording into a consistent comparison framework, despite differences in presentation.
Side-by-side coverage analysis
Each coverage element is aligned and displayed in parallel, enabling accurate, structured evaluation.
Clear visibility into key differences
Material discrepancies, gaps in coverage, and structural variations are highlighted instantly.
Step 03
Generate a clear and defensible summary
Coverage gaps identified
Missing or insufficient coverage elements are automatically detected and highlighted.
Critical risk points flagged
Weak limits, structural inconsistencies, and material exclusions are surfaced instantly.
Client-Ready comparison summary
Generate a clear, professional summary designed to support and justify your recommendation.
Features
Your comparison, finally mastered.
Smart warranty comparator
Panora automatically aligns carrier terminology and structures policy wording into a consistent framework, even when formats and language differ.
Customer-focused summary
Generate clear, structured and easy-to-understand comparison reports designed to support informed client decisions.
Current policy vs. Proposed terms
Automatically compare the existing policy with new proposals to clearly highlight improvements, gaps and strategic advantages.
Security
An AI designed for a regulated environment
Full operational control
AI supports your workflow, it never makes decisions on your behalf. Every action is initiated and validated by you.
EU-Based hosting & GDPR compliance
All data is hosted on certified EU infrastructure and handled in full compliance with GDPR standards. We apply strict data protection policies aligned with European regulatory expectations.
Security & regulatory alignment
All transactions are encrypted, logged and traceable. Panora is built to support regulatory frameworks applicable to insurance distribution, including the Insurance Distribution Directive (IDD).
Strict data confidentiality
Client data is never used to train external AI models. Your documents, communications and workflows remain strictly isolated within your secure environment.
FAQS
Questions frequent
Find answers to the most frequently asked questions about Panora: operation, features and prices. Another question? Write to us at contact@panora.co
Panora analyzes the contractual documents (general conditions, special conditions, IPID, annexes) and extracts the structural elements: guarantees, exclusions, franchises, ceilings, associated services.
The information is then organized in a homogeneous grid, allowing a clear and usable comparison between several offers.
The objective: To reduce the time spent reading documents and preparing on Excel by 90%, not to replace advice.
No Panora is a analysis assistant.
It speeds up reading and highlights key discrepancies, but validation and interpretation remain in the hands of the broker.
Technology structures. Expertise decides.
Panora covers more than 25 insurance products including:
- Professional multi-risk
- RC Pro
- Car fleet
- MRI
- MRH
- MRP
- Collective health
- Foresight
- Etc.
More insurance products can also be set up on request.
The platform can be adapted to simple cases as well as to more complex investments.
By systematically structuring:
- Discrepancies between insurers
- The points of attention
- Major exclusions
- Contractual limits
This structure reduces the risk of forgetting and facilitates the formalization of the duty to advise.
Yes.
Each generated element can be edited, completed or reformulated before transmission to the customer.
Panora provides a structured base; the broker maintains control of substance and form.
"With Panora, the clarity and structure of our comparisons have become a competitive advantage even against major firms."
-70%
analysis time reduced per case.
3x
Higher meeting-to-policy conversion.
