01
Pressure on a considered purchase
Term cover is a twenty-year commitment. A caller who feels rushed does not buy faster, they stop taking the call, and you have burned a lead that was genuinely interested.
Live demoAdvisor, not closer
Insurance is not bought on the first call.
Anyone selling it that way is producing lapsed policies and complaints. The realistic goal of the first conversation is a written illustration and permission to call back, which is a much easier thing to achieve and a much better thing to have.
This agent is built as an advisor rather than a closer. Unhurried, accurate, and explicitly instructed that “not ready” is an acceptable outcome rather than an objection to be beaten.
Where insurance enquiries are mishandled.
Almost always by pushing too hard, too early, on a purchase that people are right to think about.
02
Numbers quoted from memory
A premium or a settlement ratio said approximately on a recorded call is a compliance problem and a trust problem at the same time.
03
“I already have cover” goes unexamined
Most people saying this mean employer cover, which ends with the job and is rarely adequate. It is the most common objection and the one most easily answered honestly.
04
Nobody calls back when they said they would
“Send me the details and call me next week” is a real buying signal. It converts well and it is forgotten constantly.
What it establishes.
Enough for an accurate illustration. Not a sales interrogation.
- What kind of cover they enquired about: term, health, motor or something else.
- Age band and dependants, which are the two inputs that actually drive an illustration.
- Existing cover, and specifically whether it is employer-provided, because that changes the whole conversation.
- Rough income band, framed as a range, to sense-check the sum assured being discussed.
- Any known health conditions, asked plainly, because non-disclosure is the usual reason claims fail.
- Policy term preference, and whether they want cover to a fixed age or a fixed number of years.
- How and when to follow up, agreed explicitly rather than assumed.
How it handles the price objection.
Note that it reframes rather than discounts, and it does not invent a number.
Agent
You had enquired about a term plan on the website, so I am following up on that. Do you have two minutes?
Lead
Yeah, but honestly these plans are too expensive.
Agent
That is a fair reaction, and it is usually because the annual figure is the one people see first. Broken down it tends to land somewhere near a daily coffee, which is a different decision. Can I ask, is this the first cover you would be taking?
Lead
No, I have insurance from my office.
Agent
That is useful, and worth knowing that employer cover generally ends when the job does, and is usually set well below what a family would actually need. Do you know roughly what the cover amount on it is?
Lead
Not really. Around fifty lakh I think.
Agent
Understood. Rather than quote you something on the call that moves later, let me have a written illustration sent across with two or three cover levels. Would a callback on Saturday morning suit you?
It never states a premium. It reframes cost, opens the employer-cover gap, and closes on a written illustration.
What it will never say.
In a regulated category, the refusals are the reason the deployment is defensible.
It never states a premium, sum assured, or claim settlement ratio it was not given. Every figure it can use is supplied by you and approved in writing. Anything else becomes a follow-up document.
It never closes on the call. The goal is agreement to a written illustration and a callback. That is deliberate: a policy sold under pressure lapses, and a lapsed policy costs you the commission and the customer.
It never encourages non-disclosure. Health questions are asked plainly, and it explains that non-disclosure is the usual reason claims are rejected. This is the opposite of what a pushy human agent sometimes does.
Why the advisor tone is a commercial choice, not a soft one.
The temptation with a voice agent in insurance is to make it relentless, because it never gets discouraged and never runs out of patience. That produces exactly the wrong outcome. Pressure applied to a considered purchase converts a smaller share of people and produces policies that lapse inside the first two years, which in most distribution arrangements means clawback.
So this persona is instructed that an unready caller is a good outcome, not a failure. It offers to send details and to call back at a time the person chooses. The measurable effect is a larger callback pool and better persistence on the business that does close.
It also asks health questions honestly, and explains why. Non-disclosure is the leading reason claims are refused, and a claim refused years later is the worst possible outcome for everyone including the distributor. An agent that is instructed to be accurate rather than accommodating is doing you a favour.
The other nine.
Every persona has its own script, its own vocabulary and its own list of things it will not say.
Before you ask.
Is an AI agent allowed to sell insurance?
This one does not sell. It handles the enquiry follow-up, establishes needs and books an illustration and a callback with your licensed team. Where your compliance function wants specific disclosures on outbound calls, those go into the brief before launch. We would rather build to your compliance team's wording than to our assumption of it.
Will it quote premiums?
Only figures you have given it and approved. It is explicitly instructed that getting a number wrong on an insurance call is worse than not knowing it, so anything uncertain becomes a written illustration.
Can it handle health and motor as well as term?
Yes. Term is the persona on the demo because it is the hardest conversation. Health and motor use the same structure with a different question set and objection list.
What does it do with someone who says they will think about it?
Agrees with them, which is the honest response, then offers a written illustration and a callback at a time they pick. That pool converts better than anything you can push on a first call.
Does it record the call?
Yes, with a full transcript on the lead record, and retention set to your requirement. For a regulated category that record is usually an asset rather than an overhead.
Push back on it about price.
Tell it the plan is too expensive and see what it does. It will not discount and it will not invent a number.