AI voice agent for insurance
AI agents for insurance that answer the calls your team can't get to
We build custom voice agents for MGAs, TPAs, carriers, and agencies. They answer policy, billing, and claim status calls day and night, write every outcome back to your systems, and hand anything sensitive to your people.
Hi, can you confirm if policy 4521 is still active?
Yes, policy 4521 is active through March 12, 2027. Anything else?
No, that's it, thank you.
Natural conversations
Real outcomes
The queue
Picture the hour after your
service team logs off
An agent calls to confirm a policy is active before a client signs a lease. A policyholder wants to know if last month's payment went through. A claimant asks, for the third time this week, where their claim stands. Each call is simple. Each one waits until morning.
5:30 pm
Team logs off
7:10 pm
Coverage check from an agent
9:45 pm
Claim status call
8:00 am
23 voicemails waiting
Why insurance teams add an AI voice agent
Why insurance teams add an AI voice agent
Insurance runs on phone calls, and most of them follow the same few patterns. That makes them a strong fit for an agent that never clocks out.
Always on
Answers at 9 p.m. and on weekends, not a voicemail box.
Ready for surges
Picks up every line in a storm spike, no seasonal hiring.
Same answer every time
Reads only facts you approve. No off-script promises.
A record behind every call
Disclosures, consent, and handoffs logged for every call.
Cleaner claim data
FNOL arrives structured, so adjusters start working right away.
Growth without new desks
Add programs and policies without adding service staff.
For MGAs and TPAs, that means a lean team that keeps up. For carriers, faster first notice of loss. For insurance agencies, service calls handled and notes written to the AMS.
Stakes and what this is
The industry is already picking up the phone with AI
of US insurance operations leaders say their teams are more stretched than ever.Covenir survey of 152 leaders, via Insurance Journal, 2026
of MGAs use AI today, and nearly half plan to start soon.Vertafore MGA report, 2026
of Travelers customers who use its AI claim assistant finish filing through it.OpenAI and Travelers, 2026
of insurers plan to have agentic AI in place by the end of 2026.Celent, cited by Duck Creek, 2026
Published industry figures, not concret.io results
What are AI agents for insurance?
AI agents for insurance are software that hold real phone conversations with policyholders, agents, and claimants. They answer routine questions from live policy and claim data, complete simple tasks like logging a first notice of loss, and hand the call to a licensed person when judgment is needed. Unlike a phone menu, they understand plain speech and finish the job instead of transferring most callers. Conversational AI for insurance only earns its place when it closes the loop like this.
What every call ends in
Every call ends in a result your team can see
Conversational AI for insurance is only useful if something happens after the call. Each conversation closes on a clear outcome, written to the system your team already works in.
Policy status confirmed
Coverage, effective dates, and renewal dates read from live policy data, for policyholders and agents.
What happens
- Pulls live policy data from your system.
- Confirms coverage, effective dates, and renewal dates.
- Updates the record for policyholders and agents.
Policy status confirmed
Coverage, effective dates, and renewal dates read from live policy data, for policyholders and agents.
- Pulls live policy data from your system.
- Confirms coverage, effective dates, and renewal dates.
- Updates the record for policyholders and agents.
Billing question answered
Balance, due date, and payment status shared, with a payment link sent by text when you allow it.
- Looks up balance and due date in your billing system.
- Shares payment status directly on the call.
- Sends a payment link by text when allowed.
Claim status given
Current stage, adjuster assignment, and next steps, pulled from your claims system.
- Pulls current stage from your claims system.
- Confirms adjuster assignment and next steps.
- Logs the call to the claim record.
First notice of loss logged
Who, what, when, and where captured in a structured record, with a claim number issued, insurance claims automation that starts with clean data.
- Captures who, what, when, and where in a structured record.
- Issues a claim number on the call.
- Routes the record to your claims system.
Documents requested
The right checklist sent to the caller, with a follow-up if nothing arrives.
- Sends the right document checklist to the caller.
- Confirms what's needed and by when.
- Follows up automatically if nothing arrives.
Handed to a person
Coverage disputes, injuries, complaints, and anything off script go to your team with the full conversation attached.
- Detects disputes, injuries, complaints, or off-script requests.
- Hands off immediately with the full conversation attached.
- Logs the handoff for your team to pick up.
Where a human takes over
The agent knows where its job ends
You decide the boundary before launch. The agent reads only facts you approve, never gives coverage advice, and never decides a claim.
AI handles
Routine status, billing, documents, standard FNOL.
Handoff triggers
Injury, dispute, complaint, or a request for a person.
Your team gets
Summary, transcript, caller details, and the next step.
When a caller reports an injury, disputes a decision, sounds upset, or simply asks for a person, the call moves to your team at once. Your staff sees the summary, the caller's details, and what was already said, so nobody has to repeat their story.
Compliance built in
Compliance lives in the system, not in a prompt someone can edit
Many voice platforms leave consent and disclosure for you to build. We engineer those controls into the agent, test them, and log every one, so you can show an auditor what happened on any call.
| What the rule asks | How we build it in |
|---|---|
| FCC treats AI-generated voices as artificial voices under the TCPA | Outbound calls check consent and calling windows before dialing. No consent, no call. |
| Consumers can revoke consent in any reasonable way, including on the call | The agent recognizes "stop calling me" in plain speech and updates every channel. |
| NAIC AI bulletin expects people to know when they deal with AI; accountability can't be handed to a vendor | Every call opens with an AI and recording disclosure, and you keep full ownership, documentation, and audit logs. |
| Some states set rules on disclosure timing and two-party recording consent | State-specific opening scripts, chosen by the caller's location. |
- Policy
- Policy admin APIs
- Claims
- Claims system APIs
- Agency
- Applied Epic, AMS360, EZLynx, HawkSoft
Connects to your stack
Outcomes land where your team already works
No core system replacement. The agent reads from and writes to the tools you run today, in real time, not in a nightly batch.
Discuss Your Project Goals- CRM
- Salesforce, HubSpot
- Telephony
- Phone system and contact center queues
- Messaging
- Text and email
For agencies, that means no more re-keying call notes. For MGAs and carriers, it means a clean record behind every call when the auditors ask.
Hear it: Lumi
Don't take our word for it. Talk to Lumi.
Lumi is the conversational voice AI agent we built and run ourselves. The same engineering goes into every insurance build: natural speech, quick replies, clean handoffs, and outcomes logged after every call.
Want a customized agent? Talk to our certified AI Engineers.
How we build it
Start with one workflow. Grow from there.
Call review
We study your call mix and pick the highest-volume, lowest-risk workflow to start.
Rules and scripts
Your team approves the facts, boundaries, and disclosures the agent will use.
Pilot
The agent goes live on that one workflow, with your people listening in and reviewing outcomes.
Scale
Add workflows, programs, and outbound calls once the first one proves itself.
Engagement models
Choose how we work together
- Build and Deliver We design, build, and launch the agent.
- Operate and Maintain We run, monitor, and tune it after launch.
- Build, Operate, Transfer We build and run it, then hand it to your team.
Architect-led delivery, one full-time project per consultant, and a quote before every piece of work, so there are no surprise invoices.
More from our AI voice agent work
Building voice AI
beyond insurance?
Explore how we design, build, and deploy voice agents for customer service and operations across industries.
Ready when you are
Let the agent take tonight's calls
Tell us which calls fill your queue. We'll show you which ones an AI agent can handle first, and what it would take to get there.
Prefer to hear it first? Experience Lumi