AI for insurance agents
AI for insurance agents that works the phones.
An independent agency runs on the phone: renewals to chase, quotes to gather, clients with a question about their deductible, and the call at 10 p.m. from someone who has just been rear-ended. Most of it is routine. All of it takes a licensed agent’s time, which is where AI for insurance agents earns its place.
A voice agent takes the routine part. It calls clients ahead of renewal, collects the details a quote needs, answers policy questions from the information you give it and takes first notice of a loss after hours. Anything that needs advice, a quote or a signature goes to you, with the call already written up.
Renewal calls · Quote intake · After-hours claims · Warm transfer to licensed agents · Salesforce, HubSpot, Zoho · 20+ languages
- AI agent00:00
Thanks for calling Meridian Insurance Group. I am the agency’s AI assistant. How can I help tonight?
- Caller00:05
Someone backed into my car in a parking lot. I need to report it.
- AI agent00:09
I am sorry to hear that. Is anyone hurt, and are you somewhere safe?
- Caller00:13
Nobody is hurt. I am still in the lot.
- AI agent00:17
Good. I will take the details for your agent and text you your carrier’s 24-hour claims number. Do you have the other driver’s name and insurer?
- System01:52
Loss details captured · client record matched · claims number sent by SMS · follow-up task for agent at 08:00
A renewal call that ends with a licensed agent, not a lapse.
The agent calls ahead of the renewal date, answers what it can, and turns any interest in a change into a quote request. The moment a client needs advice, the call goes to a licensed agent with everything already captured.
- 01Renewal reminderCalled ahead of the renewal date, with a text if the client does not pick up.
- 02Client questionsDates, premiums, payment options, answered from the policy details you provide.
- 03Quote requestNew driver, new car, higher limits: the details a quote needs, collected.
- 04Licensed agentWarm transfer now, or a booked call, with the notes in your CRM.
- Routine questions answered
- Renewal date, premium due, how to pay, what documents to send.
- Advice stays with you
- Coverage recommendations, quotes and binding are always handed to a licensed agent.
- Nothing lost in hand-off
- The agent who picks up sees the transcript and every field the AI collected.
How many renewal calls a book of business makes.
Every policy renews, and every renewal is a chance to keep a client or lose one. A 2,500-policy book on annual terms produces about 208 renewals a month, around ten every working day, before anyone has answered a new enquiry.
- 500 policies
- 42 / mo
- 1,000 policies
- 83 / mo
- 2,500 policies
- 208 / mo
- 5,000 policies
- 417 / mo
Illustrative. Arithmetic: policies divided by 12, rounded. Six-month policy terms double the count.
What AI for insurance agents should do, and what it should not.
The line is simple: the AI agent gathers, reminds and records. Advice, quotes and coverage decisions stay with licensed people.
| Task | AI voice agent | Licensed agent |
|---|---|---|
| Renewal reminders | Calls or texts ahead of the date and answers routine questions | Reviews any changes the client asks for |
| Quote requests | Collects drivers, vehicles, property details, current carrier and dates | Runs the quote and recommends coverage |
| Policy questions | Answers from the policy information you provide | Advises on coverage, limits and exclusions |
| Claims after hours | Takes first notice: what, when, where, who; texts the carrier’s claims number | Follows up in the morning and helps with the claim |
| Changes to coverage | Never binds or changes a policy; books time with an agent | Binds, endorses and confirms |
| Payment reminders | Reminds the client and sends a payment link | Handles exceptions and hardship cases |
Outbound calls with an AI voice need the consent the TCPA requires: the FCC confirmed in February 2024 that AI-generated voices count as artificial voices under the Act. · Source: FCC news release, Feb 8, 2024
Built for independent agents and agencies.
- 01Retention
Renewal campaigns
Clients called ahead of renewal, questions answered, interested ones booked with an agent.
- 02New business
Quote intake
Web and phone enquiries called back with the questions your quoting needs, answers in the CRM.
- 03FNOL
After-hours claims
First notice of a loss taken at any hour, the carrier’s claims number sent, the agent alerted.
- 04Service
Policy questions
Renewal dates, premiums, ID cards and documents answered from your information.
- 05Billing
Payment reminders
Clients reminded before a payment is due, with a Stripe payment link by SMS or email.
- 06Front desk
Overflow and warm transfer
Calls answered when every agent is busy, and passed to a licensed agent when one frees up.
Put an insurance AI voice agent to work in four steps.
- 01
Choose the calls
Start with one job: renewal reminders, after-hours calls or quote intake. Add the others once the first is running the way you want.
- 02
Write the rules and the script
What the agent may answer, the questions a quote needs, the carriers’ claims numbers, and exactly when to hand a call to a licensed agent.
- 03
Connect your systems
Salesforce, HubSpot or Zoho for client records, Google or Outlook calendars for agent time, SMS and email for follow-ups, webhooks for anything else.
- 04
Listen before you scale
Call it yourself, review the first week of transcripts with your team, adjust, then widen it to the rest of the book.
Connected to the way your agency already works.
Questions buyers ask first.
Keep the advice. Hand off the phone work.
Tell us which calls eat your team’s day, which carriers you write with and where client records live. We will set up an agent that speaks in your agency’s name, and show it to you on a live call before a client hears it.
