Consumer services

AI sales agent for Insurance — sells over chat 24/7

Quotes and matches the right policy for the job.

  • ✓ One-time · no subscription fees
  • ✓ Pay-as-you-go AI usage
  • ✓ Ready in an hour
  • ✓ 14-day money-back guarantee

conversation → qualification → objection handling → deal · 24/7 in every channel

AI sales agent for Insurance — Quotes and matches the right policy for the job.

An insurance shopper who requests a quote tonight will have three competing quotes by tomorrow morning — and the agency that responds first usually writes the policy. Meanwhile your producers are buried in renewals, certificates, and service calls, so web leads sit unanswered and after-hours inquiries drift to whichever competitor picks up first. SL-CLAW is an AI sales agent built for insurance lead qualification: trained on SPIN selling, it answers every inquiry in seconds, 24/7. It asks what needs coverage — auto, home, commercial GL — captures drivers, vehicles, current carrier, renewal date, and deductible preferences, defuses the "I'm already insured" brush-off, and hands a fully qualified prospect to your licensed agent, agreeing on the callback time right in the chat. It goes live in about an hour and runs on usage alone: about $0.50 per conversation, no subscription.

Where sales usually get lost in this industry

  • Internet leads go cold in minutes: shoppers request quotes from three or four agencies at once, and the first responder usually binds the policy.
  • After-hours and weekend quote requests land in an empty inbox — by Monday the prospect has already signed elsewhere.
  • Producers and CSRs burn prime selling hours on tire-kickers who were never going to switch carriers.
  • Quote intake is pure repetition: drivers, VINs, current carrier, limits, renewal date, prior claims — asked and re-typed by hand every single time.
  • Renewal season buries the team in service work, so new-business inquiries wait days for a callback that should have taken minutes.

What the bot does in this industry

AI sales agent for Insurance: asks what's being insured and which risks matter, quotes and compares policies and handles the paperwork. It doesn't just log inquiries — it runs the conversation, qualifies the buyer, handles objections, and drives the deal to close.

  • Asks what's being insured and which risks matter
  • Quotes and compares policies
  • Handles the paperwork
Sales skills and industry expertise come built in. You upload your catalog, prices, and company details — and the bot gets to work right away.

Who is this for?

A customer who needs a policy (auto, property, travel) and is comparing price and terms across several companies. Afraid "they won't pay out" and confused by deductibles. They buy when the agent quotes and compares in plain language.

Market at a glance

  • ~$6.8T — Global insurance market (premiums, 2022) (Swiss Re Sigma No.3/2023)
  • ~6.8% of GDP — Average insurance penetration worldwide (2022) (Swiss Re Sigma No.3/2023)
  • 44% (US) — Research an insurer's claims record before buying (Deloitte US personal-lines consumer survey, 2023)

The math, honestly

  • Example inputs — swap in your own numbers: 300 inbound conversations a month across web widget, WhatsApp, Instagram, and Telegram; average commission on a bound personal-lines policy of $150.
  • AI usage is billed on every conversation, not just the ones that convert: 300 × ~$0.50 average = ~$150/month (the real range is $0.10–$1.00 per dialog, so $30–$300 at that volume).
  • One-time cost: $300 for the bot — no monthly subscription. The $20 balance included at activation covers roughly your first 40 conversations.
  • Break-even arithmetic: at $150 commission per policy, one extra bound policy a month covers the AI usage; the $300 bot itself is covered by the first two policies your producers write from bot-qualified leads.
  • Guided implementation ($1,000) and custom builds (from $2,200) shift the break-even point — rerun the same arithmetic with your lead volume and your average commission.

All figures above are arithmetic on example inputs, not a performance promise. We don't publish conversion claims: how many leads bind depends on your rates, your carriers, and your licensed agents — the bot's job is to make sure every one of them gets answered in seconds and arrives qualified.

Drives the deal to the money — and doesn't drop it

Not an "inquiry received" auto-responder. It walks the customer from the first question all the way to "get a policy quote" — and if they go quiet, it follows up on its own.

  • Follows up to close: handles the last objections and calmly walks the customer to payment
  • Comes back to cold leads — reminds without pressure until the customer buys or clearly declines
  • Remembers the customer and chat history — recognizes them by name, budget, and past interests instead of starting from scratch
  • Invoices, quotes, contracts, CRM or 1C integration — available as a separate implementation for your business

What else the AI sales agent can do

  • Works in Telegram, WhatsApp, Instagram, and the website chat widget — text and voice
  • Understands voice messages and replies with voice — speech recognition and synthesis
  • Detects the deal stage on its own and moves it forward — 7 stages to close
  • Uncovers customer needs with the SPIN technique — asks the right questions
  • Answers from your knowledge base — catalog, price list, PDFs, website
  • Hands hot leads and tasks to your sales rep, alerts on "hot" stages
  • Logs the lead in your CRM (HubSpot, Pipedrive), creates tasks, and books meetings
  • Understands English, Ukrainian, and Russian
  • Picks the right AI "power" for the conversation complexity — cheaper on simple ones

FAQ

What if it doesn't work out — can I get a refund?

Yes — a 14-day money-back guarantee from the payment date. Not a fit? Contact support and we'll process the refund within 24 hours. Details are in the Terms of Service.

Will a subscription fee creep in over time?

There is no subscription fee at all. The agent is a one-time purchase ($300, one plan with everything included). After that you only pay for AI usage via the token. If the bot isn't talking, nothing is charged.

What if I can't set it up myself?

Self-service with the step-by-step guide works for most people — it deploys in about an hour. If you'd rather not deal with it, there's a Custom build from $2200: we tailor it to your business, set up integrations (CRM, 1C), load the knowledge base, and train your team.

How to set up the bot for Insurance so it actually sells

  • Specify what's insured and the list of covered risks — the agent quotes exactly the policy the customer needs.
  • Spell out deductible terms and the payout process — the agent handles the biggest fear and keeps the customer in the chat.
  • Set up side-by-side policy comparison right in the chat — the customer gets a choice without visiting a broker.

Which systems can the bot connect to?

  • HubSpot — CRM sync out of the box (webhook/API)
  • Pipedrive — CRM sync out of the box (webhook/API)
  • EZLynx — lead handoff via webhook/API, configured during the $1,000 implementation; compatibility confirmed before payment
  • Applied Epic — lead handoff via webhook/API during implementation; compatibility confirmed before payment
  • AgencyZoom — lead handoff via webhook/API during implementation; compatibility confirmed before payment
  • WhatsApp, Instagram, Telegram, and website chat widget — native conversation channels

Can the AI chatbot actually quote and bind insurance policies?

No — and it's not supposed to. The bot doesn't rate inside carrier systems and doesn't bind coverage; that stays with your licensed agents. What it does is the pre-qualification layer: it captures what's being insured, drivers and vehicles or property details, current carrier, limits, deductibles, prior claims, and renewal date, then hands your producer a complete file instead of a name and a phone number. The licensed conversation starts warm.

Does it integrate with our agency management system — EZLynx, Applied Epic, AMS360, AgencyZoom?

Honest answer: HubSpot and Pipedrive work out of the box via webhook/API. AMS platforms are not a ready-made button — lead handoff into them is configured over webhook/API as part of the $1,000 implementation package, and we confirm compatibility with your exact system before you pay anything.

Which lines of business can it qualify leads for?

Any line you write. During setup you load your niche knowledge — the carriers you represent, appetite, coverage options, deductible structures — and the bot asks the right intake questions per line: personal auto and homeowners, renters, umbrella, life, or commercial GL, BOP, and workers' comp with revenue, payroll, and class-of-business questions.

What channels does it work in?

Website chat widget, WhatsApp, Instagram, and Telegram. It also understands voice messages and replies with voice — which matters when a client sends a 40-second voice note with their VIN and renewal date instead of typing it out.

How does insurance lead qualification with AI actually work in the chat?

The bot runs SPIN selling: it surfaces the situation (current carrier, coverage, renewal date), the problem (a $400 renewal increase), the implication (overpaying every month for identical limits), and the payoff (a line-for-line comparison quote). Then it agrees on a callback time with the prospect right in the conversation and passes the full file to your producer. It arranges the time in chat — it does not book slots in a calendar system.

What does it cost for an agency?

$300 one-time for the bot — one flat price, no subscription tiers. AI usage averages about $0.50 per conversation (real range $0.10–$1.00), and activation includes a $20 balance. Implementation with hands-on support is $1,000; a fully custom build starts at $2,200. Everything is covered by a 14-day money-back guarantee.

How fast can we go live, and who owns the bot?

Deployment takes about an hour. All of the code is yours — it runs on your side, not on a rented platform — and you still receive core engine updates. If you ever leave, the bot leaves with you.

Is it appropriate to let AI talk to insurance prospects?

The bot is built as an intake and qualification assistant, not a licensed producer. It gathers information, answers process questions from the knowledge base you approve, and consistently sets the expectation that a licensed agent finalizes coverage. Because you own all the code and prompts, every word it can say is auditable and editable by your agency — nothing is a black box.

Useful articles

Articles on sales automation in this industry — updated regularly.

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Under the hood

Anthropic OpenAI Google Gemini GitHub