AAQ
AI VOICE AGENTS FOR INSURANCE

AI Voice Agents that Renew Policies Before Customers Move On

Every renewal reached on time. Every objection handled. Every customer retained — without scaling headcount.

  • The renewal reminder that didn't go out.
  • The expiring policy no one called.
  • The customer who switched providers.
  • The premium lost to lapse.
Get started freeHear a real conversation
Calls Answered100%
Response Time<1 min
Renewal Reach~100%
Languages11+

THE PROBLEM

Every Lapsed Policy Is Lifetime Value You Gave Away

Persistency is the difference between a profitable book and a leaking one. But with thousands of policies expiring every month and a finite agent pool, most renewals never get a real conversation — they just lapse.

Lapsed Policy=

Lost LTV

Years of premium gone. The customer is now a competitor's renewal forever.

Late Call=

Lost Renewal

Call 5 days before expiry. Customer has already shopped around. You're too late.

Unhandled Objection=

Lost Deal

"Premium went up" or "I don't need this" handled badly on a rushed call. Renewal walks.

10,000 Policies=

15 Agents

Renewal volume scales monthly. Your agent team doesn't. Coverage gaps everywhere.

THE HARD TRUTH

Lapses. Switching. Lost LTV. Different symptoms. Same cause: not enough renewal conversations happening on time.

THE SOLUTION

Every renewal reached 45 days before expiry. In the customer's language.

AAQ calls every policyholder ahead of expiry, handles common objections, captures payment intent, and sends WhatsApp payment links — protecting persistency at scale.

SAVE RENEWALS

Outbound Conversations

Renewal reminders 45/30/15/5 days before expiry. Objection handling. Premium clarification. WhatsApp payment links delivered live.

NEVER MISS A QUERY

Inbound Conversations

24/7 pickup for policy queries, claim status, premium clarification. Routine queries resolved, complex cases routed to a human.

EVERYTHING TRACKED

System Integration

Connects to your policy admin system, CRM, and payment gateway. Renewal outcomes, payment intent and objections logged in real time.

DEEP DIVE

Renewal at Scale

THE PROBLEM

Thousands of policies expire every month. Your agent team can only reach a slice in time. Late calls find customers who have already moved on.

AAQ STEPS IN

AAQ calls every policyholder 45 days before expiry, in their language. Reminds them of the policy, handles common objections, captures payment commitment, sends a WhatsApp payment link.

THE RESULT

Higher persistency. Lapses cut materially. Lifetime value protected. Your human agents focus on complex retention cases, not routine reminders.

Multi-touch renewal cadence (45/30/15/5 days)Common-objection handlingPremium clarification and dispute captureWhatsApp payment-link deliveryLapsed-policy win-back campaigns

HOW WE WORK WITH YOU

We don't just give you a tool — we make it work for your renewal book.

  1. 01

    Understand

    Your products, renewal cadence, top objections, and compliance rules.

  2. 02

    Configure

    We build the AI agent tailored to your policies, scripts, and objection handling.

  3. 03

    Deploy

    Phone, WhatsApp, web — wherever your customers respond.

  4. 04

    Optimize

    Measure persistency, payment-link click-through, lapse rate. Iterate until targets hit.

From kickoff to live calls in days, not months.

WHY AAQ FOR INSURANCE

Built for insurance realities: renewal cadence, objection handling, compliant tone.

TYPICAL

  • Call centers that take days to ramp
  • IVR menus that frustrate policyholders
  • English-only desk for regional customers
  • Generic AI that doesn't know insurance
  • Phone-only OR WhatsApp-only

AAQ

  • AI that's live in days, scales instantly
  • Natural conversation that handles objections
  • Hindi + 10 regional languages, native fluency
  • Trained on renewals, objections, premium math
  • Phone + WhatsApp + payment links unified
“We partner with you for persistency, not just renewal call completion.”
REAL CONVERSATIONS

Real renewal calls. Real persistency saved.

In the languages your customers actually speak.

Renewal Reminder

Hindi

AAQ calls 45 days before policy expiry, confirms intent to renew, sends WhatsApp payment link, books a callback if the customer wants to discuss.

AAQ

Namaste, main AAQ se baat kar raha hu. Aapki policy 45 din mein expire ho rahi hai. Kya main aapko renewal link WhatsApp pe bhej doon?

Customer

Premium kitna hai is baar?

AAQ

Iss baar premium ₹12,500 hai, jo pichle saal ke barabar hai. No-claim bonus bhi apply ho gaya hai.

Customer

Theek hai, link bhej dijiye.

AAQ

Bhej deta hu. UPI ya card se pay kar sakte hain. Confirmation 5 minute mein mil jayegi.

Customer

Aaj hi karna hoga?

AAQ

Nahi, link 30 din valid hai. Lekin pehle pay karne par instant coverage continuity milti hai.

Objection Handling

English

Customer says "Premium has gone up too much." AAQ explains the increase, offers a comparable option, captures intent — and only escalates if the customer wants a human agent.

AAQ

Hi, this is AAQ calling about your health insurance renewal due next month.

Customer

I saw the renewal notice. Premium has gone up too much — almost 20%.

AAQ

I understand premium has increased. Let me walk you through what changed — and a plan that still fits your budget.

Customer

Okay, go ahead.

AAQ

The increase is driven by age-band revision and one inpatient claim last year. We have a comparable plan at the previous premium with a slightly higher co-pay. Would you like me to send both options on WhatsApp?

Customer

Yes, send both. I will review and decide.

AAQ

Done. If you want to discuss with a human agent, I can book a callback — just reply on WhatsApp.

Lapsed Policy Win-Back

Hindi + English

AAQ calls customers whose policies recently lapsed, offers reinstatement, captures the reason for lapse, sends payment link or books an agent callback.

AAQ

Namaste, main AAQ se baat kar raha hu. Aapki policy 15 din pehle lapse ho gayi thi. Reinstatement abhi possible hai — main WhatsApp pe details bhej deta hoon.

Customer

Reinstatement matlab? Naya policy lena hoga?

AAQ

Nahi, same policy continue ho jayegi without fresh medicals if paid within 30 days. Aapko sirf overdue premium pay karna hoga.

Customer

Kitna pending hai?

AAQ

₹8,400 plus ek small reinstatement fee. Total ₹8,650.

Customer

Theek hai, link bhejiye. Kal pay kar dunga.

AAQ

WhatsApp pe link bhej diya hai. Payment ke baad coverage instantly resume ho jayegi.

FREQUENTLY ASKED

Common questions about AAQ for Insurance

How does AAQ improve insurance renewal and persistency rates?
AAQ runs a structured multi-touch renewal cadence — 45, 30, 15 and 5 days before expiry — on every policy in your book. The agent reminds the customer, handles common objections in their language, and delivers a WhatsApp payment link during the call. Late calls become a thing of the past, which protects persistency materially.
Does AAQ integrate with our policy admin system and payment gateway?
Yes. AAQ connects to common policy admin systems, CRMs (Salesforce FSC, LeadSquared, custom) and payment gateways. Renewal status, payment intent, objections, and outcomes are written back to the policy record in real time. WhatsApp payment links are generated dynamically and tracked end-to-end.
Is AAQ compliant with IRDAI guidelines for customer calls?
Yes. AAQ uses a compliant, factual tone by design — no misselling, no off-script promises. Disclosures are scripted and verifiable. Full transcripts are retained for every call, giving your compliance team a complete audit trail. We work with your legal team during setup to align scripts with IRDAI and internal policy.
What languages does AAQ support for policyholder calls?
AAQ handles Hindi plus 10 regional languages — Tamil, Telugu, Bengali, Marathi, Gujarati, Kannada, Malayalam, Odia, Punjabi, and English — with native fluency. The agent picks the right language based on the customer's profile, so rural and tier-2 policyholders get a renewal call they actually understand.
How does AAQ handle peak renewal months and campaign volume?
AAQ scales horizontally. Whether you have 1,000 expiries a month or 100,000 across a quarter-end push, every policy gets a timely conversation. No hiring, no overtime, no late calls — the renewal book is covered end-to-end on schedule.

Ready to save more renewals?

Start with one product line. See persistency lift in 2 weeks.

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Live in days, not months. IRDAI-aligned scripts. Hindi + 10 regional languages. Enterprise-grade security.