{
  "format": "hyperize/v1",
  "@id": "https://www.hyperize.ai/en/dax40-index/brands/allianz.json",
  "type": "BrandScore",
  "pageType": "BrandScore",
  "releaseState": "pilot_probe",
  "releaseLabel": "Pilot Probe",
  "title": "Allianz — Pilot Probe (Single-Task Observation, Wave Q2 2026)",
  "pilotProbe": {
    "status": "pilot_probe",
    "rationale": "Single-task observation under a narrower provider track than a full BrandScore. The Agent Success Score is computed but should be read as an early signal, not a fully-qualified score.",
    "promotionCriteria": "Confidence promotes to B (and releaseState to brand_score) when the next wave adds a second task and the fourth provider on the Discoverability track.",
    "nextWave": "WAVE-Q3-2026"
  },
  "hook": {
    "en": "Ask an agent to find car insurance and it reaches Allianz about one time in five. Comparison portals like Check24 and Verivox capture the category first. Once reached, the surface works: a full browser runs the calculator to a quote, and though a plain fetch gets a 403, that is not where Allianz loses. The premium sits in the page; the question is who reaches it. Channel position, not surface polish, is the battle.",
    "de": "Bittet man einen Agenten, eine Kfz-Versicherung zu finden, erreicht er Allianz nur etwa eines von fünf Malen. Vergleichsportale wie Check24 und Verivox fangen die Kategorie vorher ab. Einmal erreicht, funktioniert die Surface: ein vollwertiger Browser fährt den Rechner bis zum Angebot, und auch wenn ein simpler Abruf einen 403 bekommt, dort verliert Allianz nicht. Die Prämie steht in der Seite; die Frage ist, wer sie erreicht. Third-Party Interception, nicht Surface-Politur, ist die Schlacht."
  },
  "summary": {
    "en": "Comparison portals capture the category before allianz.de; the simplest agents never get through the door.",
    "de": "Vergleichsportale fangen die Kategorie vor allianz.de ab; die einfachsten Agenten kommen gar nicht durch die Tür."
  },
  "brandName": "Allianz",
  "legalEntity": "Allianz SE",
  "daxTicker": "ALV",
  "sector": "insurance_finance",
  "sectorLabel": "Insurance & Finance",
  "inLanguage": "en",
  "datePublished": "2026-05-18",
  "dateModified": "2026-05-18",
  "nextReview": "2026-09-30",
  "confidence": "C",
  "evidenceTier": "proprietary",
  "wave": "WAVE-Q2-2026-PILOT",
  "url": "https://www.hyperize.ai/en/dax40-index/brands/allianz",
  "alternateLanguage": {
    "de": "https://www.hyperize.ai/de/dax40-index/brands/allianz"
  },
  "isPartOf": {
    "@id": "https://www.hyperize.ai/en/dax40-index",
    "name": "DAX 40 Agent Success Index"
  },
  "lanes": [
    {
      "id": "commerce",
      "name": "Commerce",
      "measured": true
    },
    {
      "id": "talent",
      "name": "Talent",
      "measured": false
    },
    {
      "id": "aftersales",
      "name": "After-sales",
      "measured": false
    },
    {
      "id": "procurement",
      "name": "Procurement",
      "measured": false
    },
    {
      "id": "investor_relations",
      "name": "Investor Relations",
      "measured": false
    },
    {
      "id": "press",
      "name": "Press",
      "measured": false
    }
  ],
  "commercialLane": {
    "visibility": {
      "question": "Will an agent find and recommend the brand?",
      "score": 19.79,
      "dimension": "Discoverability (D)",
      "methodVersion": "gate1/v1.1",
      "sampleSize": 18,
      "providers": [
        "anthropic",
        "openai",
        "perplexity"
      ],
      "provenance": "measured"
    },
    "usability": {
      "question": "Once an agent arrives — how far does it get toward the deal?",
      "score": 30,
      "scoreNote": "Derived from the access profile below + close state (usability-derivation/v1). NOT a hand-averaged number — a reproducible summary of observed agent behaviour.",
      "accessProfile": [
        {
          "agentClass": "text",
          "outcome": "blocked"
        },
        {
          "agentClass": "search",
          "outcome": "partial"
        },
        {
          "agentClass": "code",
          "outcome": "blocked"
        },
        {
          "agentClass": "browser",
          "outcome": "success"
        },
        {
          "agentClass": "full_automation",
          "outcome": "success"
        }
      ],
      "blockedClasses": [
        "text",
        "code"
      ],
      "passClasses": [
        "browser",
        "full_automation"
      ],
      "closeState": "quote_ready",
      "closeStateNote": null,
      "methodVersion": "fleet/v6.2",
      "provenance": "estimate — access profile not yet sourced to a clean fleet run; measurement in progress"
    },
    "evidence": {
      "score": 70,
      "basis": "estimate — cross-method ground-truth consistency, not a separate measured run",
      "note": "A confidence layer on the two axes above, not a third sales axis."
    }
  },
  "score": {
    "compositeForIndexRanking": {
      "value": 31.96,
      "scale100": 31.96,
      "scale10": 3.2,
      "status": "computed",
      "formula": "Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)",
      "methodVersion": "ars-methodology/v1.1",
      "usabilityDerivation": "usability-derivation/v1",
      "role": "index-ranking",
      "note": "Weighted composite, used for ranking the index. Read the two commercialLane axes (visibility + usability) for the standalone verdict — this single number blends them and is not the headline."
    },
    "dimensions": {
      "aiVisibility": {
        "name": "AI Visibility (Discoverability)",
        "weight": 0.2,
        "value": 19.79,
        "grade": "D",
        "methodVersion": "gate1/v1.1",
        "sampleSize": 18,
        "providers": [
          "anthropic",
          "openai",
          "perplexity"
        ],
        "queryVariants": 3,
        "runsPerVariant": 2,
        "taskCount": 1
      },
      "aiUsability": {
        "name": "AI Usability (reach + completion)",
        "weight": 0.7,
        "value": 30,
        "derivation": "usability-derivation/v1",
        "basis": "derived from the access profile (per-class outcomes) + close state"
      },
      "evidence": {
        "name": "Evidence",
        "weight": 0.1,
        "value": 70,
        "grade": "C",
        "methodVersion": "fleet/v6.2"
      }
    }
  },
  "thirdPartyInterception": {
    "classification": "avoidable",
    "classificationLabel": "Avoidable",
    "directShare": 0.78,
    "intermediaryShare": 0.22,
    "intermediaryCaptureExamples": [
      "check24",
      "verivox",
      "tarifcheck",
      "finanztip"
    ],
    "narrative": {
      "en": "In the Gate-1 audit, the AI recommended comparison portals (Check24, Verivox, Tarifcheck) as the route in about one in five responses (4 of 18). The intermediary is avoidable: agents route directly to allianz.de when prompts are brand-specific or when Allianz's Answer Pages surface above the portals. Both levers are addressable on the Hyperize side.",
      "de": "Im Gate-1-Audit empfahl die KI in etwa einer von fünf Antworten (4 von 18) Vergleichsportale als Weg (Check24, Verivox, Tarifcheck). Der Intermediär ist vermeidbar: Agenten gehen direkt auf allianz.de, sobald Prompts markenspezifisch sind oder die Answer Pages der Marke über den Portalen ranken. Beide Hebel sind über Hyperize adressierbar."
    }
  },
  "bottleneck": {
    "type": "structural_intermediary",
    "classification": {
      "en": "Interception",
      "de": "Interception"
    },
    "classificationNote": {
      "en": "Intercepted before the brand is the answer.",
      "de": "Abgefangen, bevor die Marke die Antwort ist."
    },
    "sentence": {
      "en": "Comparison portals capture the category before allianz.de; the simplest agents never get through the door.",
      "de": "Vergleichsportale fangen die Kategorie vor allianz.de ab; die einfachsten Agenten kommen gar nicht durch die Tür."
    },
    "executiveSummary": {
      "en": "The simplest agents are blocked at the door, but the bigger gap is channel: comparison portals capture the category before an agent reaches allianz.de.",
      "de": "Die einfachsten Agenten werden an der Tür geblockt, doch die größere Lücke ist der Kanal: Vergleichsportale fangen die Kategorie ab, bevor ein Agent allianz.de erreicht."
    }
  },
  "testNarrative": {
    "verdict": {
      "en": "Invested in AI accessibility. Two of five agent types are blocked before reaching the calculator.",
      "de": "In AI-Zugänglichkeit investiert. Zwei von fünf Agent-Typen werden blockiert, bevor sie den Rechner erreichen."
    },
    "narrative": {
      "en": "We asked five kinds of AI agent to get a Kfz-Versicherung quote at allianz.de. A browser agent ran the full quote wizard three times with no login, landing between €420 and €432. But the simplest agents never got in: a plain fetch was turned away with a 403, even though the price sits right there in the page. And before any of that, broad insurance queries route through Check24 and Verivox, so an agent often never reaches allianz.de at all.",
      "de": "Wir haben fünf Typen von KI-Agenten auf allianz.de geschickt, um ein Kfz-Versicherungs-Angebot zu rechnen. Ein Browser-Agent durchlief den vollen Rechner dreimal ohne Login und landete zwischen €420 und €432. Aber die einfachsten Agenten kamen gar nicht hinein: ein simpler Abruf wurde mit einem 403 abgewiesen, obwohl der Preis direkt in der Seite steht. Und schon davor läuft breiter Versicherungs-Intent über Check24 und Verivox, sodass ein Agent allianz.de oft gar nicht erreicht."
    },
    "scopeShift": {
      "en": "This is one product. Allianz sells motor, home, life, health, travel, and liability insurance, each with its own calculator.",
      "de": "Das ist ein Produkt. Allianz verkauft Kfz-, Hausrat-, Leben-, Kranken-, Reise- und Haftpflicht-Versicherung, jeweils mit eigenem Rechner."
    },
    "agentMatrix": [
      {
        "type": "text",
        "status": "blocked"
      },
      {
        "type": "search",
        "status": "partial"
      },
      {
        "type": "code",
        "status": "blocked"
      },
      {
        "type": "browser",
        "status": "success"
      },
      {
        "type": "full_automation",
        "status": "success"
      }
    ]
  },
  "fairnessDeclaration": {
    "reviewPassed": false,
    "note": "Q2 2026 audit complete on a single task (Kfz-Versicherung Komfort, quote-ready close state), scored under the public Task Selection Doctrine. Fairness Review pending the sector fairness grid.",
    "methodologyUrl": "https://www.hyperize.ai/en/methodology/task-selection",
    "sectorGridRef": null
  },
  "activeTasks": [
    {
      "title": {
        "en": "Allianz Kfz-Versicherung Komfort",
        "de": "Allianz Kfz-Versicherung Komfort"
      },
      "closeState": "quote_ready",
      "intermediaryMode": "avoidable",
      "businessRelevance": null,
      "difficultyBand": null,
      "engpass": {
        "en": "Brand-specific queries land direct; category prompts captured by Vergleichsportale upstream.",
        "de": "Markenspezifische Queries landen direkt; Kategorie-Prompts werden von Vergleichsportalen vorgelagert abgefangen."
      }
    }
  ],
  "scoreHistory": [
    {
      "date": "2026-05-15",
      "quarter": "Q2 2026",
      "waveId": "DAX9-LEGACY",
      "protocolVersion": "v1-hand-assessment",
      "summary": "First-pass hand assessment. Superseded by the v3 audit-derived measurement below."
    },
    {
      "date": "2026-05-18",
      "quarter": "Q2 2026",
      "waveId": "WAVE-Q2-2026-PILOT",
      "protocolVersion": "ars-methodology/v1.1",
      "summary": "v3 audit-derived AI Visibility (19.79, 18/18 valid datapoints across 3 providers) on the Kfz-Versicherung Komfort task. AI Usability carried from the v6.2 baseline fleet run, pending a clean rerun."
    }
  ],
  "methodology": {
    "formula": "Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)",
    "usabilityDerivation": "usability-derivation/v1",
    "protocolVersion": "ars-methodology/v1.1",
    "taskSelection": "https://www.hyperize.ai/en/methodology/task-selection",
    "agentSurface": "https://www.hyperize.ai/en/methodology",
    "dimensions": {
      "aiVisibility": "AI Visibility (Discoverability) — audit-pipeline-derived. 3–4 providers × 3 query variants × 2 runs.",
      "aiUsability": "AI Usability — derived from the per-class access profile (which agent classes reach the close state) modulated by close-state depth. The profile is the truth; the score is a reproducible summary, not a hand-rating.",
      "evidence": "Evidence — cross-method ground-truth consistency. A confidence layer, not a sales axis."
    }
  },
  "consequenceClose": {
    "archetype": "discovery",
    "archetypeLabel": {
      "en": "discovery",
      "de": "Discovery"
    },
    "source": "brand",
    "diagnosis": {
      "en": "On product discovery, Allianz is not losing because agents can't complete the journey, they can. It loses earlier, where broad insurance intent routes through Check24 and Verivox before Allianz is ever the answer.",
      "de": "In der Produkt-Discovery verliert Allianz nicht, weil Agenten den Pfad nicht abschließen können, das können sie. Es verliert früher, wo breiter Versicherungs-Intent über Check24 und Verivox läuft, bevor Allianz überhaupt die Antwort ist."
    },
    "evidence": {
      "en": "Comparison portals capture the category before allianz.de; the simplest agents never get through the door.",
      "de": "Vergleichsportale fangen die Kategorie vor allianz.de ab; die einfachsten Agenten kommen gar nicht durch die Tür."
    },
    "question": {
      "en": "The question this raises: where would broader measurement — additional tasks, additional providers — sharpen the discovery read?",
      "de": "Die Frage daraus: Wo würde breitere Messung — zusätzliche Tasks, zusätzliche Provider — die Discovery-Lesart schärfen?"
    },
    "confidenceHedge": {
      "en": "Based on the current pilot slate, this read is directional.",
      "de": "Basierend auf dem aktuellen Pilot-Slate ist diese Lesart direktional."
    },
    "closes": {
      "en": "Not another calculator. A dedicated agent surface for insurance-category intent: Reference Pages for the core product lines, Answer Pages for the comparison questions buyers ask, Concept Pages that own the category vocabulary, so Allianz is the cited answer before Check24 or Verivox frame the shortlist.",
      "de": "Kein weiterer Rechner. Eine dedizierte Agent-Surface für Versicherungs-Kategorie-Intent: Reference Pages für die Kern-Produktlinien, Answer Pages für die Vergleichsfragen, die Käufer stellen, Concept Pages, die das Kategorie-Vokabular besetzen, damit Allianz die zitierte Antwort ist, bevor Check24 oder Verivox die Shortlist rahmen."
    },
    "proof": {
      "en": "The proof isn't more content. It's agents naming, citing, and recommending Allianz directly in more category-level insurance journeys, re-measured each wave.",
      "de": "Der Beweis ist nicht mehr Content. Es ist, dass Agenten Allianz in mehr kategorie-bezogenen Versicherungs-Journeys direkt nennen, zitieren und empfehlen, neu gemessen mit jeder Wave."
    },
    "ctas": [
      {
        "weight": "primary",
        "eyebrow": "Audit · €1,900",
        "title": {
          "en": "Commission an audit.",
          "de": "Audit beauftragen."
        },
        "body": {
          "en": "Where the BrandScore opens the question, an audit closes it. An interpretive engagement on your full surface, scored under the same methodology.",
          "de": "Wo die BrandScore die Frage öffnet, schließt sie ein Audit. Ein interpretatives Engagement auf der vollen Surface, gemessen unter derselben Methodologie."
        },
        "cta": {
          "en": "Get the audit",
          "de": "Audit anfragen"
        },
        "href": "mailto:hello@hyperize.ai?subject=Audit%20%C2%B7%20Allianz"
      },
      {
        "weight": "secondary",
        "eyebrow": "Founding · €4,500",
        "title": {
          "en": "Found with us.",
          "de": "Founding Program."
        },
        "body": {
          "en": "Strategic partnership for brands building agent success as a long-term capability, not a one-off engagement.",
          "de": "Strategische Partnerschaft für Marken, die Agent-Success als langfristige Capability aufbauen — nicht als Einmal-Engagement."
        },
        "cta": {
          "en": "Apply",
          "de": "Bewerben"
        },
        "href": "mailto:hello@hyperize.ai?subject=Founding%20Program%20%C2%B7%20Allianz"
      },
      {
        "weight": "secondary",
        "eyebrow": "Snapshot",
        "title": {
          "en": "Audit an adjacent property.",
          "de": "Eine angrenzende Property messen."
        },
        "body": {
          "en": "The BrandScore covers the primary domain. Get the same methodology applied to an adjacent property: a country site, a sub-brand, a category beyond the DAX-40 slate.",
          "de": "Die BrandScore deckt die primäre Domain ab. Die gleiche Methodologie für eine angrenzende Property: eine Länderseite, eine Sub-Brand, eine Kategorie außerhalb des DAX-40-Slates."
        },
        "cta": {
          "en": "Get a Snapshot",
          "de": "Snapshot anfragen"
        },
        "href": "mailto:hello@hyperize.ai?subject=Snapshot%20%C2%B7%20adjacent%20property%20for%20Allianz"
      }
    ]
  },
  "sources": [
    {
      "id": "S1",
      "label": "Gate-1 audit run · Allianz Wave Q2 2026",
      "accessedAt": "2026-05-18",
      "supports": [
        "AI Visibility score (audit-derived, 18/18 valid datapoints)",
        "AI platforms queried (anthropic/openai/perplexity, 3-provider track)",
        "the close state reached (quote_ready)"
      ],
      "url": null,
      "kind": "internal",
      "internalLabel": "Internal · Hyperize audit pipeline"
    },
    {
      "id": "S2",
      "label": "Hyperize fleet · v6.2 baseline (source for C/A/E)",
      "accessedAt": "2026-05-16",
      "supports": [
        "AI Usability and Evidence inputs",
        "fleet test outcomes (legacy)"
      ],
      "url": null,
      "kind": "internal",
      "internalLabel": "Internal · Hyperize fleet (v6.2 baseline)"
    },
    {
      "id": "S3",
      "label": "a fleet wave act phase (Giorgio repo, legacy reference)",
      "accessedAt": "2026-05-18",
      "supports": [
        "act phase verification (status=success, 3/3 steps on Kfz-Rechner)"
      ],
      "url": null,
      "kind": "internal",
      "internalLabel": "Internal · Hyperize fleet (Giorgio)"
    },
    {
      "id": "S4",
      "label": "Task Selection Doctrine",
      "accessedAt": "2026-05-18",
      "supports": [
        "fairness declaration",
        "Third-Party Interception framing"
      ],
      "url": "https://www.hyperize.ai/en/methodology/task-selection",
      "kind": "public",
      "internalLabel": null
    }
  ],
  "crossLinks": {
    "index": "https://www.hyperize.ai/en/dax40-index",
    "taskSelection": "https://www.hyperize.ai/en/methodology/task-selection",
    "agentSurface": "https://www.hyperize.ai/en/methodology",
    "foundingProgram": "https://www.hyperize.ai/en/founding-program"
  },
  "scope": {
    "publishes": [
      "Brand identity (name, legal entity, DAX ticker, sector)",
      "Composite (index-ranking) + AI Visibility + AI Usability (as access profile + derived score) + Evidence, with weights",
      "Per-agent-class access profile (which agent classes reach the close state)",
      "Third-Party Interception classification, direct/intermediary share, narrative",
      "Hyperize-selected task titles, close state, intermediary mode, task score, bottleneck sentence",
      "Measurement timeline (date, wave, protocol version, summary)",
      "Sources with public URLs or internal-evidence pointers",
      "Confidence grade + Evidence tier + Next review date",
      "Bottleneck classification (Discovery / Interception / Usability / Multi-axis / No dominant gap)",
      "Bottleneck archetype + consequence-claim diagnosis + operator question",
      "Test narrative (verdict, narrative, agent matrix, scope shift) — scene-level prose, no prompts or formulas"
    ],
    "doesNotPublish": [
      "Task identifiers (internal)",
      "Raw and derived measurement artifact paths (internal repos)",
      "Per-phase outcome tables (ceiling / http / coding / browser_standard / act)",
      "Individual prompts and provider-specific transcripts",
      "Scoring derivation steps below the dimension level",
      "Sector task grid file references when still draft"
    ]
  }
}