Managed Agents at Previously $0.06 $0.03/minManaged Agents are Previously $0.06 $0.03/min.

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Artificial Analysis#1 on Speech Agent Arena

Insurance AI agents that take claims and service calls.

Answer billing questions, file policy changes, and start claims.

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Handle the policy service calls that fill your queue

Each call ends with a defined outcome, like a billing question answered, a policy change filed, a claim started, or proof of insurance sent.

The agent verifies the policy number and ZIP code, then reads the amount due, the due date, and the renewal date from the policy summary.

What an insurance AI agent handles on a policyholder call

What is an insurance AI agent?

An insurance AI agent is a voice agent that answers policyholder calls for an insurer. This one reads the amount due and renewal date, files policy changes, starts claims and emails ID cards, once the policy number and ZIP code match.

  • Check the policyholder
  • Read policy summary
  • File a change request
  • Start a claim
  • Email an ID card

What does an AI agent for insurance do when a caller adds a driver?

The agent collects the details, reads them back and files the change request after a yes. If the caller then asks what it will cost, the call goes to a licensed agent with the request already in hand.

I need to add my daughter to my car policy. Policy IM-30418, ZIP 97214.

verify_policyholderMatch: Lucille Pell

Thanks, Lucille. What's your daughter's name and date of birth?

Is an AI insurance agent the same as a licensed one?

No. Nothing in its tools quotes a premium or changes coverage. This agent reads, files and transfers. Your licensed agents take price and coverage questions, and you control exactly when else the call moves to one of them.

  • Add a driver, Maya Pell3:48
  • Auto payment due date0:54
  • Parking lot claim, CL-77124:02

What AI agents for insurance companies take off the queue

A licensed agent's time is best spent on price and coverage. An insurance AI assistant takes the rest of the queue, which is reading records and filing requests.

An AI agent insurance callers can ask about billing

Amount due, due date and renewal date come from the policy summary once the policyholder check matches.

Adding a teen driver is a filed request

The name and date of birth are read back and filed after a yes, and the caller leaves with a reference.

Claims open with a number

The date, the place and what happened go into your claims system, and the policyholder hears the claim number before hanging up.

Proof of insurance reaches the right inbox

A new car or a traffic stop can't wait for a mailed card. The agent emails the ID card, and only to the address on the policy.

Nothing is read before the check

Policy number and ZIP code have to match before the agent reads a single line of the policy summary.

Prices stay with licensed staff

When the caller asks what a change costs, the voice agent stops at the request and transfers to a licensed agent, who can see it.

Keeps pace with a policyholder reading from a card

Policy numbers, dates of birth and street names all come out fast. Cartesia's speech models take them down as they come.

  • $0.03per minute
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Holds on while they find the policy

A caller digs for a policy number or checks a birth date with someone in the room. The agent gives them the time.

Summary first, then your LLM

Policyholder check, summary read, change request, claim start and ID card email make up the whole toolset for the LLM you choose. None of them prices anything.

Your insurer's voice on every call

A bill payer and a driver just hit in a parking lot reach the same line. Pick a library voice that works for both.

Insurance agent AI beside an IVR menu and licensed staff

Carriers looking at AI customer service for insurance usually split service calls between a phone menu and people today. An agent sits between the two.

Insurance voice agentIVR menuLicensed staff
Reads amount and due dateYes, after the policyholder checkOften, by keypadYes
Files a policy changeReads it back, files after a yesUsually routes to a personYes
Starts a claimOpens it and gives the numberUsually routes to claimsYes
Discusses price or coverageNo, transfers to a licensed agentNoYes, and only they should

See which calls resolved the policyholder's request

Every call is recorded and transcribed. See which calls answered a billing question, filed a policy change, or started a claim.

Launch an insurance voice agent in three steps

Start building

  1. Clone Policy service

    Put your company name and your policyholder check into your copy of the agent.

  2. Connect policy, billing and claims

    Link policy administration, billing and claims through tools you configure, and move the service line over.

  3. Add a driver, then ask the price

    Call to add a driver and ask what it costs. Go live once the request is filed and the call reaches a licensed agent.

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

  • GDPR badge

    GDPR

Insurance FAQs

What is an insurance AI agent?

An insurance AI agent is a voice agent that answers policyholder calls. This one answers billing and renewal questions, files policy changes, starts claims and emails proof of insurance. You decide which systems it can use and what it's allowed to do.

Can an insurance AI agent start a claim?

Yes. The agent takes the date, place and what happened, opens the claim in your claims system and gives the policyholder the claim number. For a line that only takes claims, see AI insurance claims processing.

Can the agent answer billing questions?

Yes. After the policyholder check, the agent reads the amount due, the due date and the renewal date from the policy summary.

Can the agent change a policy?

Yes. The agent collects the details, reads them back, and files the change request in your policy system once the caller confirms.

Can the agent send proof of insurance?

Yes. The agent emails the ID card to the address on the policy.

Will an insurance AI agent quote prices or advise on coverage?

No. Nothing in the agent's tools quotes a premium or changes coverage. Price and coverage questions go to a licensed agent, and you control exactly when else the agent transfers.

Does an insurance AI agent work with our policy administration system?

Yes. The agent connects to your policy administration, billing, and claims systems through tools you configure.

How do you use AI as an insurance agent?

Start with the calls that don't need a license. A voice agent can read due dates, file a change request and email an ID card, then transfer price and coverage questions to you with the request in hand. You decide what it's allowed to do.

Will AI take insurance agent jobs?

We can't predict the trade, but this agent doesn't do a licensed agent's work. Nothing in its tools quotes a premium or changes coverage, so those questions go to a licensed agent. It covers service calls like billing dates, change requests and ID cards.

How much does an insurance AI agent cost?

An insurance AI agent is $0.03 per minute of call time, so a quick due-date question costs less than a claim that takes a few minutes to write down. LLM usage is billed separately. A Cartesia phone number adds $0.014 per minute, or nothing if you bring your own Twilio account or SIP trunk. The free plan includes $1 of agent calls a month, so you can test the agent before you pay. See pricing.

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