# 03 — A nano in insurance

Part 3 of 7 · ← What's a nano? · Index · Next → What you can't do

The shape is the same as any other nano. What changes is what you're allowed to say and do.

Insurance is regulated. Your nano lives under:

• Insurance intermediation rules (DDA / Code des Assurances). "Which policy should I pick?" is a licensed activity.
• EU AI Act. Life, health, and pricing-adjacent AI is classified "high-risk" → extra documentation and human oversight.
• GDPR + sensitive categories (health data).
• Record retention — years, not weeks.

In plain terms

• A nano can inform — describe, compare, explain.
• A nano cannot advise — recommend a specific product to a specific person — without the right status.

That one line drives every other decision.

Before you build anything, spend 30 minutes with whoever owns compliance at your company. Half an hour now = a week saved later.