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Why One AI Agent Is Designed Never to Touch a Life Insurance Database

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A developer building an AI agent for a life insurance agent platform describes why the model is kept away from direct database access. Instead of a generic query tool, the agent can only call narrow, predefined functions, and the data layer attaches the authenticated user's identity and filters results accordingly. Sensitive client fields are tagged so the model never receives them, and unknown columns default to being withheld. The approach is part of a broader review of OWASP's top risks for LLM applications, and the author notes the design still needs testing and does not yet address write capabilities or model provider data terms.

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