Intelligent automation designed for insurance operations and policyholder retention
Customer Support
Improve claims satisfaction while controlling loss adjustment expenses
Capture complete FNOL details before adjusters get involved
- Deploy AI Agents across channels, that collect essential claim information the moment a loss occurs.
- Date and time of incident, parties involved, injury descriptions, property damage details, police report numbers, and witness statements.
- Integrate it with your claims management platform so the Agent validates coverage against policy terms in real-time and creates the claim file automatically.
- Adjusters receive complete, structured information from day one instead of spending hours on follow-up calls to gather basic facts.
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Answer policy questions instantly instead of forcing callbacks
- Train AI Agents on your policy forms, endorsements, and coverage language so they can explain what's covered without routing to customer service.
- The difference between actual cash value and replacement cost. Connect your policy administration system so Agents access current coverage details, effective dates, and endorsement history.
- Policyholders get clarity immediately through chat, and your service team handles only the complex interpretation questions that require human expertise.
Identify coverage gaps during service interactions
- Analyze policyholder conversations to surface underinsured risks or missing protection. Flag homeowners without flood or earthquake coverage in high-risk zip codes.
- Identify business owners carrying only general liability without cyber or employment practices liability. Detect personal auto policies that should include rideshare endorsements based on conversation context.
- Route these insights to the assigned agent or CSR with specific product recommendations.
Reduce policy lapse rates through proactive renewal engagement
- Reach out to policyholders 60, 30, and 15 days before renewal via text, email, or WhatsApp. Agents explain any premium changes, confirm coverage is still appropriate, and offer to schedule a policy review with their agent.
- Address billing questions or payment method updates immediately instead of waiting for policyholders to call during business hours.
- Connect with your billing system to process payments, set up autopay, or arrange installment plans. Policies that lapse due to communication gaps or minor payment friction hurt your retention metrics.
Customer Acquisition
Reduce distribution costs while improving quote quality
Screen prospects against underwriting appetite before quoting resources
- Configure Agents that assess whether prospects fit your risk appetite and capacity.
- Screen for prior loss history, coverage limits outside your comfort zone, business operations in declined classes, or drivers with serious violations.
- Collect enough information to determine insurability and generate preliminary premium indications for qualified risks. Integrate with your rating engine and underwriting workbench so Agents pull guidelines in real-time.
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Deliver instant quotes for preferred risks through digital channels
- Integrate Agents with your comparative rater or policy administration system to provide real-time premiums for personal auto, homeowners, renters, and small commercial risks.
- Walk prospects through coverage decisions and show how liability limits, deductibles, and optional coverages affect premium. Bind policies immediately for risks that pass automated underwriting rules.
- Deploy across your website, WhatsApp, and diverse landing pages so prospects get quotes within minutes instead of waiting for agent callbacks or navigating lengthy application forms.
Explain coverage in plain language that builds trust
- Most insurance buyers don't understand what they're purchasing, which leads to disputes at claim time and poor retention.
- Agents explain why actual cash value costs less but may leave them underinsured after a total loss. Why higher deductibles make sense for infrequent claimants but hurt if they file multiple claims per year.
- How umbrella liability protects personal assets beyond underlying auto and home limits. Prospects who understand their coverage make faster buying decisions, file fewer coverage disputes, and stay with you longer because they trust you educated them properly.
Capture structured application data that feeds directly into your systems
- Stop re-entering information from emails, voicemails, and paper applications into your agency management system.
- Agents collect driver information, VINs, property details, construction type, protection class, business revenue, payroll, and loss history in formats that map directly to your application workflows.
- Integrate with Applied Epic, Vertafore, or your proprietary AMS so data flows automatically from conversation to quote to bind. Every submission is complete and accurate, reducing errors that delay quotes or cause coverage gaps.
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