AInora
US Insurance Brokers and Independent Agencies

AI Voice Agent for US Insurance Brokers

AI voice agents that pick up the first ring 24/7, capture P&C quotes, take FNOL after storms and weekends, and chase renewals at 30, 60, and 90 days. TCPA-compliant outbound, native Spanish, and direct writes into Applied Epic, AMS360, EZLynx, and HawkSoft.

Hear it live: call +1 (218) 636-0234 to test a real quote-intake call in 60 seconds, no signup. The Insurance Information Institute sizes US net premiums at $1.6T, with the largest service workloads concentrated in routine FNOL, quote, and renewal calls.

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TCPA Aligned|English + Spanish + 5 more|AMS Native
$1.6T
US insurance net premiums written (2023)
Source: Insurance Information Institute
36,000+
US independent insurance agencies
Source: IIABA / Agency Universe Study
$50-70B
McKinsey-projected annual value from generative AI in global insurance
Source: McKinsey (2024)
14%
productivity uplift for service teams using generative AI
Source: NBER / Stanford (2023)

What does AI do for a US P&C broker?

What does an AI voice agent do for a US insurance agency?

Quote intake and qualification

AI captures auto, home, life, and commercial quote details on the first ring. Coverage needs, current carrier, renewal date, household and risk factors. Structured for your producer.

FNOL and claim reporting

AI takes first notice of loss 24/7, captures incident details, assigns a claim number, and routes to your adjuster queue. Serious-injury and high-severity calls transfer immediately to a human, briefed with everything captured so far.

Renewal outreach 30/60/90 days

AI calls renewal lists at 30, 60, and 90 days before expiration. Confirms coverage, flags exposure changes, and books your producer when the client wants to discuss terms.

Payment and lapse follow-ups

AI contacts clients on missed premiums before policies lapse. Friendly, professional, and on every name every month. No lost policies from forgotten drafts.

Spanish-language quote capture

AI captures quotes natively in Spanish, plus Mandarin, Vietnamese, Korean, Tagalog, and Russian. Capture from your full prospect base without an interpreter line.

AMS and CRM integration

Writes directly into Applied Epic, AMS360, EZLynx, HawkSoft, Vertafore, Agency Matrix, plus HubSpot, Salesforce, and Microsoft Dynamics. No double entry.

Where do US agencies leak the most premium?

Where do US insurance agencies leak the most premium?

Prospects shop three agencies, whoever picks up first wins

AI answers every ring 24/7. Quote captured in under a minute, licensed producer joins to bind with full context.

Storm-season claims overflow at 11pm Saturday

AI takes FNOL after hours and routes by severity. Serious-injury calls escalate immediately; routine FNOL waits for Monday with the file ready.

Renewal book is too big to call manually

AI runs the entire renewal list at 30/60/90 days. Producers only join when the client wants to negotiate or change cover.

Spanish-speaking prospects abandon English-only voicemail

AI greets in English, switches to Spanish on cue, captures the full quote in the prospect's preferred language.

What does third-party data say about AI in insurance service?

What does the evidence say about AI in insurance service?

McKinsey on insurance gen-AI

McKinsey estimates $50B-$70B in annual gen-AI value across global insurance, with the largest pools in claims and customer service. The replacement-spend pattern fits routine FNOL, quote, and renewal calls directly.

Source: McKinsey (2024)

Bank of America Erica

Erica has surpassed 2 billion customer interactions since 2018, with 42 million BoA clients using the assistant for routine balance, payment, and account questions - exactly the same pattern that applies to agency phone intake at scale.

Source: Bank of America newsroom (2024)

BCG on AI service productivity

BCG research shows AI-augmented service teams handle 40-50% higher volume per FTE while improving NPS, with the gains concentrated in routine intake and renewal interactions - the same workload that fills US agency phone lines.

Source: BCG (2024)

Integrations

Which AMS systems does the AI integrate with?

Quotes, FNOL, MTAs, renewal activity write straight into your system of record. The replacement-spend pattern is consistent with McKinsey's insurance gen-AI work and BCG's carrier productivity analysis, with caller-facing disclosure mapped to GDPR Article 22 for any cross-border books.

Applied Epic·
AMS360·
EZLynx·
HawkSoft·
Vertafore·
Agency Matrix·
HubSpot·
Salesforce·
Microsoft Dynamics·
Google Calendar·
Stripe·
CCaaS platform·
Custom API·
Applied Epic·
AMS360·
EZLynx·
HawkSoft·
Vertafore·
Agency Matrix·
HubSpot·
Salesforce·
Microsoft Dynamics·
Google Calendar·
Stripe·
CCaaS platform·
Custom API·

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FAQ

Frequently asked questions.

No. Only licensed producers bind coverage and issue final quotes. AI captures every detail needed for the quote, qualifies the prospect, and hands a complete file to the right licensed producer. The producer makes the bind decision.
AI takes first notice of loss, captures date, location, severity indicators, injuries, and photos if available. For serious-injury, fatality, or high-severity claims, AI transfers immediately to a human and briefs the adjuster with everything captured so far. Routine FNOL files queue for the regular intake workflow.
Yes. AI uses your existing consent records and TCPA-compliant calling rules: documented prior express written consent for any auto-dialed call to a wireless number, calling-window restrictions, and Do Not Call honor. Consent and call records are retained and queryable.
Applied Epic, AMS360, EZLynx, HawkSoft, Vertafore Sagitta and AMS360, Agency Matrix, and any AMS with an API. Plus HubSpot, Salesforce, Microsoft Dynamics, Google Calendar, and Stripe for adjacent workflows.
Most agencies go live in 2-3 weeks. Week 1: discovery, product mapping, carrier appetites, and escalation rules. Week 2: AMS integration and test calls. Week 3: supervised go-live and weekly calibration. We start with one workflow (usually FNOL or renewal), scale once proven.
AI is configured to recognize when a call requires licensed-producer involvement and escalate. It never quotes final premiums or binds. For multi-state agencies, AI is configured per-state for E&O risk: which questions get answered by AI, which get routed to a licensed producer, and how disclosures are worded.
JB
Justas Butkus

Founder & CEO, AInora

Building AI digital administrators that replace front-desk overhead for service businesses across Europe. Previously built voice AI systems for dental clinics, hotels, and restaurants.

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Pick up every ring. Bind more policies.

30-minute discovery call. We baseline your current after-hours leakage and renewal retention, then scope a 2-3 week pilot on one workflow.

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