Yo Kwon: How AI Claim Letters Cut Errors, Costs, and Cycle Times

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Yo Kwon, CEO at Voltaire.Claims.

Together, we pull back the curtain on how enterprise operations (and in particular finance and insurance operations) are being reinvented – not tomorrow, but right now.

KEY TAKEAWAYS          

I was working with my co-founder on Ai technology trying to work out what would be applicable for wider businesses. While we were testing ideas someone was using one of our products to write claims letters.

Adjustors don’t enjoy writing claims letter, especially denials, they lean heavily on templates and cheat sheets to figure out the clauses to cite, so small mistakes and big ones can slip though. Voltaire generates each letter from scratch, it doesn’t take shortcuts which removes the room for error. 

Litigation alone adds an average of $10,718 per claim in loss adjustment expense, we projects Voltaire can reduce litigated claims by 10% or more through more defensible correspondence. Even a conservative 5% improvement in leakage through clearer letters translates to $320,00 in recovered value. 

We include critical guardrails. If an adjustor requests a denial letter but there’s no valid policy exclusion that exists to support the denial, the system returns ‘no relevant policy language was found’. This prevents a wrongful denial or compliance violation before it happens.

BEST MOMENTS 

‘Before I started this company I did not think this would be a problem in 2025, and this is a problem because of the complexities of claims.’ 

‘Whenever productivity is measured, people will choose speed over compliance, I’d go far as to say most adjustors never actually learn the correct way to write a claims letter.’
‘Claims managers and adjustors have told us the AI is teaching them things about policies that they’ve never known before.’
‘Our approach treats compliance as a product feature, not an afterthought.’

ABOUT THE GUESTS

Yo Kwon is the Co-Founder and CEO of Voltaire.Claims, where he leads the development of cutting-edge AI solutions that transform insurance correspondence. With deep expertise in artificial intelligence, decentralized systems, and cybersecurity, Yo brings a rigorous technical perspective to one of the industry’s most overlooked but high-impact challenges: claims letter automation. Under his leadership, Voltaire has built a lightweight, API-driven platform that integrates seamlessly with core systems like Guidewire to deliver accurate, regulator-compliant claim letters in seconds.
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ABOUT THE HOST

Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet.

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And if you’re interested in sponsoring the podcast, reach out to the team at hello@alchemycrew.ventures