Policy renewal reminder
Five days before the due date. States the premium and date from your data, sends a UPI link on WhatsApp and logs the renewal.
Rings your phone
Outcome · Policy renewal completed Home / Industries / Insurance
AI voice agent for insurance renewals, revivals and claims
Call every policy before the grace period ends, revive lapsed ones, save free-look cancellations and register claim intimations in Telugu, Hindi and 40+ languages. The agent reads only approved facts, never advises, and hands anything else to your licensed team.
100% of calls disclosed as AI100% recordedDND enforcedApproved facts only, no advice
Example call00:48
K
Kavya · AI agentRenewal reminder · T-5
Namaskaram, nenu ABC Insurance nunchi AI assistant Kavya ni. Ee call record avutondi.
Cheppandi.
Mee term policy premium ₹18,400, October 12 ki due. Ee roju renew chestara?
Avunu, link pampandi. UPI lo kadatanu.
Sare, payment link WhatsApp ki pamputunnanu. Dhanyavaadalu.
OUTCOME LOGGED TO POLICY ADMIN SYSTEMPolicy renewal completed₹18,400 · due 12 Oct · UPI link sent
Every call ends in one of 14 outcomes
At a glance
What is an AI voice agent for insurance?
An AI voice agent for insurance is software that phones policyholders and leads, speaks in their language, and ends every call with a logged result, such as a completed renewal, a revived lapsed policy or a registered claim intimation. VoiceGun's agent says it is an AI and that the call is recorded in its first sentence, reads only insurer-approved facts, and transfers every advice question to a licensed human.
LAST UPDATED 27 SEP 2026
- BUILT FOR
- Life, health and general insurers, brokers, corporate agents and bancassurance teams in India (lending teams: see banks and NBFCs)
- USE CASES
- Lead qualification, advisor and medical test booking, free-look welcome calls, renewals, premium reminders, lapsed policy revival, riders, claim intimation, servicing
- OUTCOMES
- 14 defined call outcomes, written back to your policy admin system or CRM
- LANGUAGES
- 40+ languages, including Hindi, English, Telugu, Tamil, Kannada, Marathi, Gujarati, Punjabi and Malayalam
- COMPLIANCE
- AI and recording disclosure, explicit consent, DND checks, IRDAI distance marketing records, DPDP-aligned data handling
- PRICING
- From ₹2.99 per connected minute, no setup fee. First test campaign in under 15 minutes
Public figures from Indian insurance
India's insurers already run on AI calls
Published figures, not VoiceGun's results. Each one links to its source.
1M
Inbound and outbound calls a month ICICI Lombard says its bots help it carry out.
Source · Business Today, Aug 202670%
Of ICICI Lombard's inbound calls now handled by a bot or WhatsApp chatbot, up from 10% a year earlier.
Source · Business Today, Aug 202658.1%
SBI Life's 61st month persistency in FY26, down from 63.6% in FY25, even with 13th month at 87.9%.
Source · SBI Life news release, Apr 202626,667
Unfair business practice (mis-selling) complaints against life insurers in FY25, up 14% and 22.14% of all their grievances.
Source · IRDAI Annual Report, via KNN India, Jan 2026Hear it, don't take our word
Insurance calls in Tamil, Hindi and Telugu
Three calls, three languages. Where a recording is still being produced, the card rings your own phone with the same script instead.
Lapsed policy revival
A policy in lapse. The agent explains the revival steps your team approved, takes a date to pay dues and never promises a benefit.
Rings your phone
Outcome · Lapsed policy revived Claim intimation
An inbound call after an accident. The agent registers the claim details, sends the document list and transfers to a claims officer.
Rings your phone
Outcome · Claim intimation registered Want the agent to take your inbound policy queries instead of an IVR menu? See IVR software. Sample calls are labelled. Real recordings are published only with the customer's permission.
Why insurers switch
Persistency is lost on calls nobody had time to make
The grace period runs out quietly
A tier 2 policyholder who ignored three SMS reminders often pays on one call in their own language. Nobody made that call before cover lapsed.
61st month is where books leak
13th month gets the attention. By year five the original agent has often moved on, and orphan policies get no call at all.
One loose line is a mis-selling complaint
A telecaller who promises a return or a tax benefit off-script creates the grievance your compliance team has to answer later.
In their language, at their time
Calls that sound like your policyholders' own
The agent follows the policyholder into Telugu, Kannada, Tamil, Gujarati or any of 40+ languages, and calls back when it suits them.
14 outcomes, one policy lifecycle
Every call ends in a result your team can act on
The agent doesn't just talk. Each call closes on one of these outcomes, with the details written back to your policy admin system or CRM. Renewal lists run as automated outbound campaigns; claim lines run as an AI receptionist.
1. Qualify and propose
3 OUTCOMES13
Lead qualified only
Cover need and budget are captured, but no meeting or proposal yet.
OutboundWebsite
02
Advisor appointment booked
A meeting with a licensed agent or advisor is confirmed for a date and time.
OutboundInboundWebsite
06
New policy proposal started
The customer asks to buy, and proposal details are captured for your team to complete.
OutboundWebsite
2. Issue and onboard
3 OUTCOMES03
Medical / verification test booked
A pre-policy medical or verification slot is confirmed with the proposer.
OutboundInbound
05
Documents submission confirmed
The customer agrees to upload the pending documents and a date is set.
OutboundInbound
10
Free-look cancellation saved
The customer withdraws a free-look cancellation after a fact is clarified. The choice stays theirs.
OutboundInbound
3. Renew and retain
4 OUTCOMES01
Policy renewal completed
Renewal is confirmed and the payment path is agreed on the call.
OutboundInbound
08
Premium payment promise captured
The policyholder commits to a date and amount for a due premium.
Outbound
07
Lapsed policy revived
The policyholder agrees to revive a lapsed policy and pay the dues.
Outbound
11
Rider / top-up cover added
The policyholder adds a rider or top-up to an existing policy.
Outbound
4. Service and claims
2 OUTCOMES04
Claim intimation registered
The claim is logged on the call with the details your claims team needs.
InboundWebsite
09
Nominee / address change completed
A policy servicing request is raised on the call for your team to process.
Inbound
ON EVERY CALL
Two exits, always open
12 · OUTBOUND · INBOUND · WEBSITECallback booked with a human
Handed to a licensed advisor, renewal or claims executive, with a slot captured.
14 · OUTBOUNDNot interested / DNC recorded
The contact asks not to be called again. The opt-out is logged and honoured on every future list.
Example call · Hindi01:36
A
Anjali · AI agentLapsed policy revival
नमस्ते, मैं ABC इंश्योरेंस की AI असिस्टेंट अंजलि हूँ। यह कॉल रिकॉर्ड हो रही है।
जी, बताइए।
आपकी पॉलिसी मार्च से लैप्स है। बकाया प्रीमियम और ब्याज मिलाकर ₹25,380 है। क्या आप इसे फिर से चालू करना चाहेंगे?
हाँ। कोई हेल्थ फ़ॉर्म भी देना होगा?
हाँ, एक छोटा घोषणा फ़ॉर्म। दोनों लिंक WhatsApp पर भेज रही हूँ। बाकी सवालों के लिए सलाहकार कल कॉल करेंगे।
Documents confirmedHealth form · Fri
Lapsed policy revived₹25,380 · link sent
Built for persistency teams
From "my policy lapsed" to revival dues paid in one call
Work the whole lapsed book inside its revival window, not just the policies an agent still remembers. The agent reads the approved dues, sends the payment and declaration links, and books an advisor for anything it should not answer.
Lapsed policyholders reached
Reason for lapse captured
Revival agreed
Dues paid via link
ILLUSTRATIVE FUNNEL SHAPE · NOT MEASURED DATA · REPLACE WITH A REAL CAMPAIGN
Before the grace period ends
Reminds the policyholder that cover continues only until the grace period ends, and takes a date and amount.
Inside the free-look window
A welcome call in the first days after delivery confirms the customer understood what they bought.
Measured on VoiceGun production campaigns
4 to 18% of contacts ended in a booking or settlement per campaign, 48% of dialled contacts answered (129 of 266), and 0 calls were marked hostile or complaining by the reviewing team.
Calls by policy stage
The right call for every point in the policy year
Polite, factual and inside the rules. The agent never recommends a plan, never promises a return and hands over the moment a licensed person is needed.
StageWhat the agent doesOutcome loggedHands to a human when
Free-lookFirst 30 daysWhat the agent doesWelcome call: confirms the policy was received and reads the approved key facts. On a cancellation request, records the reason.Outcome loggedFree-look cancellation saved · Documents submission confirmedHands to a human whenThe customer says the policy was mis-sold
Pre-dueT-30 to T-1What the agent doesReads the premium and due date, sends a payment link on WhatsApp or SMS, offers a rider or top-up from approved facts.Outcome loggedPolicy renewal completed · Rider / top-up cover addedHands to a human whenThe policyholder wants to change the sum insured or plan
Grace period15 or 30 days after dueWhat the agent doesExplains that cover continues only until the grace period ends and takes a date and amount.Outcome loggedPremium payment promise captured · Policy renewal completedHands to a human whenThe policyholder reports hardship or asks about surrender
LapsedWithin the revival periodWhat the agent doesReads the approved revival dues, explains the declaration needed and sends payment and document links.Outcome loggedLapsed policy revived · Callback booked with a humanHands to a human whenThe policyholder has a medical underwriting question
ClaimAny time, inboundWhat the agent doesCaptures policy number, event, date, place and hospital or garage, and lists the documents to send.Outcome loggedClaim intimation registeredHands to a human whenIt is a death claim, or the caller asks about admissibility
Renewal, revival and servicing calls are service calls. Since 15 February 2026, TRAI requires IRDAI-regulated entities to make them only from 1600-series numbers. Keep promotional campaigns separate, on their own headers and DND rules.
Compliance
Mapped to the rules an IRDAI inspection asks about
The controls are on by default, not a setting someone forgot. Your compliance team still signs off every script.
RuleWhat it asks of insurersHow VoiceGun enforces it
IRDAI Guidelines on Distance Marketing of Insurance ProductsApr 2011, in force Oct 2011What it asksTell the client the call is recorded, proceed only on explicit consent, and keep the record six months beyond the policy term or until the claim is settled, whichever is later.How VoiceGun enforces itThe first sentence says it is an AI and the call is recorded. The agent moves on only after a clear yes. 100% of calls are recorded, transcribed and exportable.
IRDAI Protection of Policyholders' Interests Regulations and Master CircularMar 2024 · Sep 2024What it asks30-day free look for life and individual health policies, a 15 or 30 day grace period, and death claims settled within 15 days of intimation where no investigation is needed.How VoiceGun enforces itFree-look calls never block a cancellation. Claim intimations are logged with a timestamp, so your TAT clock starts on the call. Grace dates drive the calling schedule.
TRAI TCCCPR and the 1600-series directionDeadline 15 Feb 2026What it asksService and transactional calls only from 1600-series numbers. Promotional calls respect DND preferences and registered headers.How VoiceGun enforces itAutomatic DND suppression on every list, plus the opt-outs your own calls collect. Calls go out only from verified, registered business caller IDs.
DPDP Act 2023 and DPDP Rules 2025Rules notified Nov 2025What it asksA clear notice of purpose, consent that can be withdrawn, security safeguards, and erasure on request.How VoiceGun enforces itConsent checked before dialling. Encrypted in transit and at rest. Data deleted on request and never used to train models.
IRDAI focus on mis-sellingUnfair business practicesWhat it asksNo sale without proper disclosure of terms, conditions and suitability. Insurers are asked to find the root cause of mis-selling complaints.How VoiceGun enforces itAnswers only from your approved knowledge base. Never recommends a plan, promises a return or gives tax advice. Every advice question goes to a licensed person.
Data
Policyholder data doesn't leave your control
Encrypted in transit and at rest
Region-based storage, in the region you choose
Never used to train models
Never shared or sold
Recordings and transcripts exportable any time
Data deleted whenever you ask
Languages
The agent switches when the policyholder does
HindiEnglishTeluguTamilKannadaMarathiGujaratiPunjabiMalayalam40+ in total
HINDIप्रीमियम का पेमेंट लिंक WhatsApp पर भेज दिया है।
PUNJABIਤੁਹਾਡਾ ਮੈਡੀਕਲ ਟੈਸਟ ਸ਼ਨੀਵਾਰ ਸਵੇਰੇ 9 ਵਜੇ ਬੁੱਕ ਹੋ ਗਿਆ ਹੈ।
TAMILஉங்கள் பாலிசி புதுப்பிப்பு இணைப்பு அனுப்பப்பட்டது.
SAMPLE LINES · HAVE A NATIVE SPEAKER CHECK BEFORE PUBLISHING
Integrations
Outcomes land where your team already works
Each outcome, with its captured details, is written back to your systems as the call ends, through native CRM sync, webhook, API or Zapier.
Policy admin systemDue dates, premiums, renewal status
CRMSalesforce, Zoho, HubSpot or Google Sheets
Payment gateway & UPI linksSent mid-call, paid on the spot
Claims system or TPA deskIntimations with a timestamp
Google CalendarAdvisor meetings and medical test slots
WhatsApp & SMSPayment links, forms, reminders
VoiceGun in production
Real numbers, with their denominators
Read off two production campaigns across industries. Not rounded, not averaged, not projected.
48%Of dialled contacts answered. 129 of 266.
0.5%Of callers asked to be put through to a person. 1 of 184.
0Calls marked hostile or complaining by the team reviewing them.
4 to 18%Bookings and settlements per campaign, start to finish.
AI agent vs telecaller
Pay for outcomes, not for seats
Same calls, different economics. A renewal desk costs the same in a quiet month as in March, when half the book falls due.
TELECALLING TEAMVOICEGUN AGENT
Ramp-upHire, train, repeat after attritionFirst test campaign in under 15 minutes
Peak monthsCapped by seatsScales to the renewal list
LanguagesWhoever is on shiftSwitches mid-call
Script disciplineDepends on each callerApproved facts only, on every call
CostSalaries, incentives and seats, busy or idlePay only per connected minute
PRICING Usage-based, per connected minute
From ₹2.99 per connected minute. No setup fee, and you pay only when a policyholder picks up.
Volume pricing for insurers and large brokers. Pause or stop any time.
See pricingGoing live
Your first test campaign in 15 minutes
STEP 1 · MINUTESPick your outcomes
Choose from the 14 outcomes above and upload one renewal or lapsed cohort.
STEP 2 · UNDER 15 MINRun a test campaign
Most teams go live in under 15 minutes, and nobody from engineering is needed.
STEP 3 · YOUR PACESign off with compliance
Your team listens to test calls in every language and approves the facts the agent may read.
STEP 4 · WHEN READYConnect and scale
Link your policy admin system, CRM and payment gateway, then widen from one cohort to the whole book.
Buyer's checklist
10 questions to ask any voice AI vendor
Ask us too. If a vendor can't answer these on the first call, your compliance officer will ask them later.
- 01Does every call say it is an AI and that it is recorded, in the first sentence?
- 02Can it place service calls from our 1600-series numbers and keep promotional calls separate?
- 03How do you stop the agent recommending a plan, promising a return or giving tax advice?
- 04Can we keep recordings for six months beyond the policy term, as IRDAI's distance marketing guidelines ask?
- 05How does a free-look call avoid discouraging a customer's right to cancel?
- 06Can it read revival dues and grace dates straight from our policy admin system?
- 07What happens the moment a caller reports a death claim or asks for a human?
- 08Where is policyholder data stored, and is it used to train models?
- 09Can it send a UPI or payment link while the policyholder is still on the line?
- 10Can you show us persistency by cohort: called vs not called, 13th and 61st month?
FAQ
Insurers, brokers and corporate agents ask us
What is an AI voice agent for insurance?
It is software that phones policyholders and leads, talks with them in their own language and ends each call with a logged outcome, such as a completed renewal, a revived policy or a registered claim intimation. VoiceGun's agent says it is an AI and that the call is recorded in its first sentence.
Is AI calling for insurance allowed under IRDAI rules?
IRDAI's distance marketing guidelines cover solicitation by telephone: callers must say the call is recorded, proceed only on explicit consent and keep the record for six months beyond the policy term or until the claim is settled, whichever is later. The rules apply to the insurer or intermediary, whoever or whatever makes the call, so your compliance team should sign off every script before launch.
Do insurance service calls have to come from a 1600-series number?
Yes. TRAI directed IRDAI-regulated insurers and intermediaries to make service and transactional calls only from 1600-series numbers from 15 February 2026. Promotional calls follow the separate TCCCPR rules and DND preferences.
Can the AI agent sell insurance or give policy advice?
No. It reads only the facts your team has approved, such as premium, due date and revival dues, and captures proposal details when a customer asks to buy. Any question about which plan suits them, tax benefits or claim admissibility goes to a licensed human by warm transfer.
How does it help 13th and 61st month persistency?
It calls every policy before the due date and again inside the grace period, in the policyholder's language, sends a payment link while they are on the line and logs a promise with a date and amount. Your renewal team works only the cases that need a person.
Can it revive lapsed policies?
Yes, within the revival period in the policy document. It reads the approved dues and interest, explains whether a health declaration is needed, sends the payment and document links and books a callback if the policyholder has questions.
How does it handle free-look cancellation requests?
It confirms the request and records the reason. If the reason is a misunderstanding of a fact, it reads the approved policy fact or books an advisor callback. It never discourages the cancellation, and if the customer still wants to cancel, the request goes through.
Can it register a claim intimation?
Yes. On an inbound or website call it captures the policy number, the event, date, place and hospital or garage details, logs the intimation with a timestamp and tells the caller which documents to send. Sensitive claims, such as a death claim, are offered a human immediately.
How long are call recordings kept?
Every call is recorded and transcribed, and you can export any recording at any time. IRDAI's distance marketing guidelines ask for records to be kept six months beyond the policy term or until the claim is settled, so set your retention to match your own policy.
Which languages does it speak?
40+ languages, including Hindi, English, Telugu, Tamil, Kannada, Marathi, Gujarati, Punjabi and Malayalam. It switches mid-call when the policyholder does.
How fast can we go live?
Most teams go live in under 15 minutes, with nobody from engineering: upload a renewal list, pick the outcomes and run a first test campaign. Connecting your policy admin system and compliance sign-off follow at your pace.
How is it priced?
Usage-based, from ₹2.99 per connected minute, with no setup fee. Volume pricing is available for insurers and large brokers.
SOLUTIONAutomated outbound calling for renewal lists SOLUTIONAI receptionist for claim and service lines SOLUTIONAI telecaller for policy leads SOLUTIONAI call center software INDUSTRYBanks and NBFCs, for bancassurance teams GUIDESMore on AI voice agents INDUSTRYAI voice agent for Real Estate LIVE CALLTry Insurance calls in your browser RECORDINGSHear every sample call INDUSTRIESSee every industry
Hear it before you believe it
Play a sample call, or have the agent call you with a renewal script, then run your own test campaign in under 15 minutes.