Use case · Insurance distribution
Most policies lapse because someone forgot. The agent calls a couple of weeks before expiry with the date and the amount, and offers the renewal link. When the customer asks why the premium went up, it books an advisor instead of guessing.
AI agents: ₹5/min to start · ₹1.50/min all-in at volume.¹
How it works
Upload a spreadsheet, or send each customer from your own system. Phone number first. The rest is what the agent needs to know.
Your list
| phone | customer_name | policy_type | and 4 more columns |
|---|---|---|---|
| +91 98XXX XXXXX | Vikas | car insurance |
7 columns · one row per customer
The call
150 s a typical call
Hindi · English · Hinglish · Gujarati · Tamil · Telugu
Outbound calls
Your system
+4 more fields
| Column | Needed | What goes in it |
|---|---|---|
phone | Required | The number to call, with the country code (+91…). A ten-digit Indian mobile gets +91 added. In Excel, format this column as Text first so the number is not changed. |
customer_name | Optional | e.g. Vikas |
policy_type | Optional | e.g. car insurance |
expiry_date | Optional | e.g. 28 October |
renewal_amount | Optional | e.g. 8400 · The only figure the agent may quote. Leave reasons and coverage out unless your advisors approved the wording. |
renewal_channel | Optional | e.g. WhatsApp link · How the renewal link reaches them. |
policy_ref | Optional | e.g. POL-2025-118204 · Never read out. Every result carries it. |
What comes back
When the call ends, your system gets the transcript and the answer. Your campaign report gets a row for every customer.
{
"analysis": {
"data": {
"renewal_intent": "will_renew_online",
"objection": "premium higher than last year",
"advisor_callback": true,
"callback_time": "Saturday morning"
},
"template": {
"name": "renewal_link_hi"
}
},
"metadata": {
"policy_ref": "POL-2025-118204"
}
}Setup
If your WhatsApp templates are approved in your messaging tool, the agent can read the current list after each call. A newly approved message is then ready to use without editing the agent.
Cost
One connected call, on the plan you choose. T1 is chosen; T3 and T5 are one press away.
On T1, one connected call, all-in
₹3.75
A 150-second call at ₹1 a minute, plus our line and insights.
On T3, one connected call
₹7.50
A 150-second call at ₹3 a minute, line included.
On T5, one connected call
₹12.50
A 150-second call at ₹5 a minute, line included.
₹1.50 a minute all-in on our volume plan. A call with one question and an advisor booking runs about two and a half minutes, so ₹3.75. A quick “हाँ, link भेज दो” is far shorter. Compare it with the commission one lapse costs you.
T5 and T3 include our phone line and call insights. On T1 they come on top of the agent's ₹1; with your own line and insights off, this call costs ₹2.50.
T1's ₹1,00,000 a month covers about 40,000 of these calls. T3's ₹50,000 a month covers about 6,666 of these calls. The minimum goes into your wallet as credit.
You pay when someone picks up. Missed, busy and failed calls are free. A voicemail counts as a call.
In detail
The customer meant to renew. The reminder email went to the promotions tab, and the policy quietly ran out. A call two weeks before expiry reaches people email misses. When they already plan to renew, it’s a short call: here’s the date, here’s the amount, shall we send the link?
“Premium ज़्यादा क्यों है?” “I’m comparing quotes.” “I sold the car.” The agent doesn’t argue with any of these. It notes the objection in the customer’s words, offers an advisor and books the call. Your advisors spend their day on people who need a conversation, and each of those calls starts with the question already known.
The example is motor insurance sold through a distributor. A gym membership, a software plan or a DTH pack runs the same call with different facts.
Explaining coverage, add-ons, claim history or why a premium moved is a conversation for trained staff, and in insurance it should stay with them. Anyone thinking of not renewing deserves a human call. So does anyone who mentions a claim or an accident. The agent can’t transfer calls, so it books the callback and passes the objection along.
A reminder about a policy the customer holds is close to a service call under TRAI’s latest rules. Pitch an add-on on the same call and it becomes promotional. Your own sector regulator’s rules apply on top, and checking the list against DND is up to you, because we don’t do it.
Questions
Only in wording you've given it and approved. For coverage, claims or a premium change, it offers an advisor and notes the question, so the advisor knows it before dialling.
No. The agent never takes card or UPI details. After the call, your system sends the renewal link on WhatsApp.
The agent checks your system just before each call. If the policy is already renewed, nobody gets dialled and nothing is charged.
Yes, as a second round. A number is called only once in a campaign, so pick the customers still undecided or not reached and start a new campaign from them.
₹1.50 all-in is our volume plan, for businesses spending at least ₹1,00,000 a month on calls, and that money goes into your wallet as credit. With no commitment at all, it's ₹5 a minute as you go, and there's ₹3 in between for ₹50,000 a month. An agency testing one month's expiring policies usually starts at ₹5. Both rates are low because speech recognition and the model run on our own GPUs in India.
Fifteen minutes with the team that builds it. Bring your script, or your hardest call.
Book 15 minutes