AI and automation for insurance brokers and carriers
An insurance broker lives on three moments: the quote, the renewal and the claim. In all three, time goes to asking for repeated data and the customer is lost when nobody reminds them in time. We automate data capture, the comparison, the renewal sequence and the claim file assembly.
Who it is for: Brokerages, agencies and carriers that sell and serve through WhatsApp, web and referrals.
Where the sale is lost
- Quotes that ask for the same data several times (plate, age, usage) and go cold while several carriers' replies are awaited.
- Renewals lost because nobody reminds in time or the customer leaves over price.
- Claims that start with incomplete photos and data and go back and forth.
- Portfolios with no cross-selling: the auto customer never gets a health, life or home offer.
The flow, step by step
Each step shows what the system does, where a person decides and what gets recorded.
Step 1 of 7
Capture and basic data
What the system automates
Chat or form that asks for the risk data once by line: auto, health, life or property.
Where a person decides
Defines carriers and products offered.
What gets recorded
Risk data and consent.
What we connect
- Brokerage CRM or the carrier's system
- Each carrier's portals and quoting tools
- WhatsApp Business API
- E-signature
- Payment gateway
- Secure document storage
- Portfolio and renewals dashboard
What we measure
- Quote to issuance
- Share of quotes that end in a policy.
- Time to first quote
- From the first message to receiving the comparison.
- Renewal rate
- Renewed policies over expiring policies, by line.
- Claims with a complete file on first submission
- How many cases do not bounce back for missing items.
- Policies per customer
- How cross-sold the portfolio is.
Human control and compliance
- The agent does not interpret coverage or promise payouts. It explains what the product says and refers to the broker.
- Only approved products from licensed entities are offered. In Panama, the insurance supervisor warns against unauthorized policies.
- In Panama auto insurance is the only mandatory line and accounts for most complaints to the supervisor, so conditions and amounts are explained carefully and always in writing.
- Personal data is handled with consent, role-based access and a log of every change.
What a conversation sounds like
Illustrative example, not a real client.
I need a quote for my car insurance, it expires next month.
Sure. Tell me the plate or the make, model and year, your date of birth and whether you use it only in the city or also for work. With that I quote with several carriers.
Toyota Corolla 2020, born in 1988, city only.
Thanks. I'm building the quote and in a few minutes I'll send a comparison with premium, coverage and deductibles. A broker reviews it with you before you decide.
In your systemRisk data saved once. Requests sent to 3 carriers. Renewal scheduled: reminders at 60, 30 and 15 days.
Where to start
Quote without repeating data
One conversation collects the data once and distributes it to each carrier.
First step: Start with auto, which has the most volume.
60, 30 and 15 day renewal sequence
Reminder, updated quote and renewal link.
First step: Load the expiries for the next 90 days.
Guided claim file
Photos, data and form complete before the case is opened.
First step: Document the requirements of each main carrier.
Cross-selling on life signals
Relevant offers when the customer's situation changes.
First step: Segment the auto portfolio by age and family composition.
First weeks. The first 4 weeks: quoting for one line with single data capture, loading expiries and activating the renewal sequence. The claims file joins in the second stage.
Frequently asked questions
What can AI automate in insurance?
Capture and basic data: Chat or form that asks for the risk data once by line: auto, health, life or property. Quote: Builds the request for each carrier and presents a clear comparison of premium, coverage and deductibles, from approved sources. Issuance: Collects documents, signature and payment. Welcome: Sends a policy summary, assistance numbers and what to do after a loss. Renewal: Sequence at 60, 30 and 15 days before expiry with an updated quote and a renewal link. Claims: Guides the first steps, collects photos, data and the carrier's form in order, and opens the case through the channel each carrier indicates. Cross-selling: Detects life moments (a new car, a new home, a child) and proposes the right coverage.
What does a person always decide?
The agent does not interpret coverage or promise payouts. It explains what the product says and refers to the broker. Only approved products from licensed entities are offered. In Panama, the insurance supervisor warns against unauthorized policies. In Panama auto insurance is the only mandatory line and accounts for most complaints to the supervisor, so conditions and amounts are explained carefully and always in writing. Personal data is handled with consent, role-based access and a log of every change. Capture and basic data: Defines carriers and products offered. Quote: The broker reviews, recommends and explains. Issuance: The broker issues the policy at the carrier.
What is measured to know it works?
Quote to issuance: Share of quotes that end in a policy. Time to first quote: From the first message to receiving the comparison. Renewal rate: Renewed policies over expiring policies, by line. Claims with a complete file on first submission: How many cases do not bounce back for missing items. Policies per customer: How cross-sold the portfolio is.
How does a project start in this sector?
With a 30 to 45 minute discovery session at no cost, followed by a 1 to 2 week diagnosis. The first 4 weeks: quoting for one line with single data capture, loading expiries and activating the renewal sequence. The claims file joins in the second stage.
Start with a diagnosis.
Tell us what you want to improve. We will message you to set up a 30 to 45 minute discovery session at no cost.