Kuroma
AI Readiness benchmark for InsurTech / Insurance
Across 144 audited domains we have classified as InsurTech / Insurance, the median AI Readiness score is 40 out of 100. That is 1 points above the median for all 30,738 audited domains in the corpus (39).
How the scores are distributed
Half of the 144 audited InsurTech / Insurance domains score between 31 and 48. The corpus-wide interquartile range, across all 30,738 audited domains, is 32 to 45.
Which factors this industry fails most often
The rubric scores 19 factors. A factor counts as failed here when a site scores below 50 out of 100 on it. The last column is how many audits each rate was calculated from. Question Coverage & FAQ Presence and Media Accessibility are not scored on every kind of page: a rankings table or a paginated index has no question to answer and no image to caption. Citation-Worthiness, Question Coverage & FAQ Presence and E-E-A-T Signals lean on English-language patterns, so on a page written in another language they are scored out of a smaller total. Those rows therefore leave out every audit of a page the factor was not scored on the same scale, and every audit that did not record enough about the page for us to tell. Every other row counts every audit in this industry that scored the factor.
| Factor | Fails in InsurTech / Insurance | Fails corpus-wide | Difference | Audits counted |
|---|---|---|---|---|
| Citation-Worthiness AI Readiness · 7.5% of the total score · counted only on pages in a language it measures in full |
97% | 94% | +3 | 37 |
| Unique Value Proposition AI Readiness · 5.1% of the total score |
93% | 94% | -1 | 144 |
| Structured Data Quality On-Page Content · 4.5% of the total score |
92% | 96% | -4 | 144 |
| Question Coverage & FAQ Presence On-Page Content · 6.5% of the total score · counted only on pages this factor applies to, in a language it measures in full |
85% | 85% | 0 | 34 |
| E-E-A-T Signals Authority Signals · 7% of the total score · counted only on pages in a language it measures in full |
84% | 89% | -5 | 37 |
| External Citations & References Authority Signals · 9% of the total score |
82% | 83% | -1 | 144 |
| Media Accessibility On-Page Content · 1.8% of the total score · counted only on pages this factor applies to |
75% | 87% | -12 | 118 |
| Trust & Brand Signals Authority Signals · 9% of the total score |
70% | 74% | -4 | 144 |
| Answer Box Potential AI Readiness · 7.2% of the total score |
67% | 68% | -1 | 144 |
| Schema Markup Completeness Technical Optimization · 1% of the total score |
59% | 63% | -4 | 144 |
| Crawlability & Accessibility Technical Optimization · 13% of the total score |
58% | 46% | +12 | 144 |
| Content Freshness AI Readiness · 5.7% of the total score |
49% | 49% | 0 | 144 |
| AI Discoverability AI Readiness · 3% of the total score |
37% | 34% | +3 | 144 |
| Raw HTML Availability AI Readiness · 1.5% of the total score |
31% | 24% | +7 | 144 |
| Heading Hierarchy On-Page Content · 2.8% of the total score |
26% | 28% | -2 | 144 |
| Mobile Optimization Technical Optimization · 4% of the total score |
20% | 14% | +6 | 144 |
| Page Performance Indicators Technical Optimization · 2% of the total score |
17% | 20% | -3 | 144 |
| Content Depth & Comprehensiveness On-Page Content · 6.5% of the total score |
16% | 14% | +2 | 144 |
| AI Readability Score On-Page Content · 3% of the total score |
5% | 8% | -3 | 132 |
Where InsurTech / Insurance diverges from everyone else
Relative to the whole corpus, this industry is distinctively weak on Crawlability & Accessibility (+12 points), Raw HTML Availability (+7 points), Mobile Optimization (+6 points).
It is distinctively strong on Media Accessibility (-12 points), E-E-A-T Signals (-5 points), Structured Data Quality (-4 points).
Crawlability & Accessibility: fails on 58% of the 144 InsurTech / Insurance audits it was measured on
The strongest technical factor: blocking a visibility crawler verifiably removes a site from that engine's answers, and OpenAI documents this directly. Scoring uses a bot-class matrix so only visibility-bot blocks count against the score; training-bot blocks are a policy choice reported neutrally.
Raw HTML Availability: fails on 31% of the 144 InsurTech / Insurance audits it was measured on
No major AI crawler executes JavaScript, so content that only appears after scripts run is invisible to AI search. This is among the best-evidenced technical findings in the audit.
Mobile Optimization: fails on 20% of the 144 InsurTech / Insurance audits it was measured on
No AI-engine evidence exists for mobile signals; this is classic search hygiene (Google page experience) retained at a modest weight.
Audited InsurTech / Insurance sites with a public report card
Each of these sites has a public AI Readiness report card from a real audit. Scores are point-in-time; the card shows what was measured and when.
| Site | Grade | Score | Audited |
|---|---|---|---|
| ライフネット生命保険 (www.lifenet-seimei.co.jp) | Grade A | 67/100 | 16 Sep 2026 |
| 【公式】なないろ生命保険 (www.nanairolife.co.jp) | Grade A | 62/100 | 16 Sep 2026 |
| SBI生命保険 (www.sbilife.co.jp) | Grade A | 58/100 | 16 Sep 2026 |
| JA共済 (www.ja-kyosai.or.jp) | Grade B | 56/100 | 16 Sep 2026 |
| P&C Insurance Software & Technology (guidewire.com) | Grade B | 55/100 | 10 Aug 2026 |
| www.tokiomarine-nichido.co.jp | Grade B | 55/100 | 16 Sep 2026 |
| www2.axa.co.jp | Grade B | 54/100 | 15 Sep 2026 |
| 銀泉株式会社 (ginsen-gr.co.jp) | Grade B | 52/100 | 15 Sep 2026 |
| 【公式】損保ジャパン (www.sompo-japan.co.jp) | Grade B | 52/100 | 16 Sep 2026 |
| 大同生命保険 (www.daido-life.co.jp) | Grade B | 50/100 | 16 Sep 2026 |
| かんぽ生命保険 (jp-life.japanpost.jp) | Grade C | 49/100 | 15 Sep 2026 |
| ジブラルタ生命保険株式会社 (www.gib-life.co.jp) | Grade C | 48/100 | 16 Sep 2026 |
Browse every audited site in the public audit archive.
See the full ranked list of 30 InsurTech / Insurance sites →
How to read this
- What the sample is. The 144 domains we have audited and classified as InsurTech / Insurance. That is a sample of the industry, not a census: it is the set of sites our crawler has reached and scored, and it carries whatever bias that selection has.
- Rubric version 2026-08-13. Every figure here comes from audits scored on this single rubric generation. Scores from different generations measure different things, so they are never mixed. Compatible generations: 2026-08-13.
- Why there are no company names. These are aggregates. We do not publish which domains sit at the bottom of a distribution, and the queries behind this page cannot return a domain name.
- Publishing floor. We publish an industry only once it reaches 100 audited domains, and a factor's failure rate only once 30 audits in the industry count toward that factor. Below either floor the number would move with a handful of sites, so we withhold it.
- What the audit can and cannot see. This audit measures citation readiness: how easily AI engines can crawl, extract, and quote these pages. It cannot see the off-site brand footprint (mentions, reviews, third-party coverage) that gates whether AI engines retrieve a brand at all; Kuroma's visibility scans and off-site signals track that side. Read the full methodology.