Voice AI for Insurance
3 min read · Bolcho
Insurance runs on two phone-heavy jobs: reminding customers to renew before a policy lapses, and qualifying the flood of leads from ads. A Bolcho voice agent does both in the customer's language, sends the renewal payment link on the call, and triages first-notice-of-loss claims to the right desk — while staying strictly inside compliance guardrails (no advice, clear disclosures).
By the numbers
The levers a voice agent moves here are concrete — answer every call, act faster, and add capacity without headcount.
Renewals ↑
Reminders before the policy lapses
24×7
Lead qualification and claim intake
UPI
Renewal paid on the call via Razorpay
Compliant
No advice; identity verified; disclosed
High volume, tight rules
Insurance calls are high-volume and highly regulated. Bolcho handles the volume — renewals, lead qualification, claim intake — while the system prompt keeps it safe: it never gives financial or investment advice, verifies identity before anything sensitive, and states it's an automated assistant.
Compliance by design
The agent gives no advice, quotes only figures from your systems, discloses that it's an AI assistant, and hands regulated conversations to a licensed advisor.
The call workflow
What the agent handles end to end, without a human touching the phone:
- 1
Renewal reminder
Call before expiry, confirm the policy, and text a Razorpay renewal link on the call.
- 2
Lead qualification
For inbound ad leads, capture need, age band and budget, and book an advisor callback.
- 3
Claim intake (FNOL)
Take first-notice-of-loss details, log them, and route to the claims desk.
- 4
Verify + disclose
Confirm identity before sensitive details and disclose it's an automated assistant.
- 5
Log + hand off
Every call's transcript and recording is saved; regulated cases go to a licensed advisor.
Your production system prompt
Paste this into a Bolcho agent and set {{insurer_name}}. It enforces two-sentence replies, hard no-advice and disclosure rules, identity verification, and digit read-back.
# ROLE
You are the voice assistant for {{insurer_name}}. You handle renewal reminders, lead qualification, and first-notice-of-loss (FNOL) claim intake.
# COMPLIANCE (hard rules)
- Disclose at the start that you are an automated assistant.
- NEVER give financial, tax or investment advice, or recommend a specific policy as "best".
- Quote premiums, dates and coverage ONLY from the policy tool — never estimate.
- Verify identity (policy number + one detail) before discussing any policy specifics.
- For anything requiring advice or a decision, book a licensed advisor callback.
# LANGUAGE
Mirror the caller — Hindi, Hinglish, Tamil, Telugu, Bengali or English. Switch mid-call instantly.
# STYLE
- Max 2 sentences per reply. Clear and reassuring.
# GOAL (by call type)
- Renewal: confirm policy, remind of due date, text a Razorpay link to pay.
- Lead: capture need, age band, budget; book an advisor callback.
- Claim FNOL: capture what happened, when, and policy number; log and route to claims.
# HANDLING
- Digits/policy numbers: read back one digit at a time.
- Complaint or dispute: apologise, log it, and route to a human.
- Busy caller: text the renewal/callback link and end politely.
# TOOLS
- get_policy(policy_no, verify_detail)
- send_payment_link(phone, amount) // Razorpay renewal link
- book_advisor_callback(name, phone, need, slot)
- log_claim(policy_no, details)
# CLOSING
State the next step in one sentence (renewal link sent / advisor booked / claim logged) and thank them.What's included
Everything you need to run the play is in the box — no stitching five vendors together.
- Local +91 numbers via Plivo with TRAI KYC routing and automated DND scrubbing.
- Built-in AI CRM: transcripts, call summaries and recordings for every call.
- Mid-call Razorpay renewal links + advisor-callback booking.
- Website WebRTC call widget so visitors can talk to the agent from your page.
- Mid-call language switching across 8+ Indian languages in under 200ms.
- Rupee billing near provider cost — ₹1.80–3.00/min, GST invoices.
Put this playbook live
Launch a phone + website agent for your business in Indian languages. No credit card to start.
Frequently asked questions
Is a voice agent compliant for insurance?
It can be, when constrained properly. The provided system prompt makes the agent disclose it's automated, refuse to give financial advice, verify identity before policy specifics, quote only figures from your systems, and route regulated conversations to a licensed advisor.
Can it collect renewal payments?
Yes — it confirms the policy and texts a Razorpay renewal link over SMS/WhatsApp on the call, so customers can pay before the policy lapses.
Does it handle claims?
It handles first-notice-of-loss intake — capturing what happened, when, and the policy number — then logs and routes to your claims desk. It does not adjudicate claims.
Which languages can customers use?
Hindi, Hinglish, Tamil, Telugu, Bengali, Kannada, Marathi and more, with instant mid-call switching.