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AI calling for insurance agencies

Make calls your agency means to. Your licensed producers write the policy.

When someone asks your agency for a quote, a Bearworks voice agent places the first call, confirms what they need quoted and when their policy renews, and books a time with a licensed producer.

Request demoHear the first call ↓
Quote request8:40:12 PM
Calling…ConnectedConsent on file

AI ASSISTANTHi Jordan, this is the AI assistant for Larkspur Insurance, calling about the quote you requested. Who are you insured with today?

PROSPECTCedar Mutual. Both policies renew in March.

PROSPECTSo what’s it going to cost me?

AI ASSISTANTHanded to producerOne of our licensed agents will put that quote together. Can Nora call you tomorrow evening?

Intake summary for your producerNot a quote
Lead sourceWebsite quote request
LinesAuto + home
Current carrierCedar Mutual
RenewsMarch 3
Best timeTomorrow evening
Question for producerPrice
Sent to Nora B., licensed producerCallback requested · 6:30 PM tomorrow
Renewal check-in10:05:41 AM
Calling…ConnectedExisting client

AI ASSISTANTHi Marcus, this is the AI assistant for Larkspur Insurance. Your homeowners policy renews March 3. Has anything changed at the house this year?

CLIENTWe replaced the roof in the summer.

CLIENTIs my premium going up?

AI ASSISTANTHanded to account managerChris, your account manager, reviews renewal pricing with you. Would Thursday at 2 work for a quick call?

Summary for your teamNot a renewal quote
SourceExisting client
PolicyHomeowners
RenewsMarch 3
Change reportedNew roof
ReviewThursday, 2 PM
Question for teamRenewal premium
Review booked with Chris L.Change list attached
After-hours call11:47:09 PM
Ringing…Answered by assistantInbound call

AI ASSISTANTThanks for calling Larkspur Insurance after hours. I’m the AI assistant. How can I help?

CALLERA tree came down on our fence and I think it hit the garage roof.

CALLERIs that covered?

AI ASSISTANTHanded to your teamYour agent and carrier answer coverage questions. I’ll mark this urgent for your account manager, and I can read you the carrier’s claims number.

Summary for your teamNot a coverage decision
SourceAfter-hours call
TypeProperty damage
PolicyHomeowners
What happenedTree on fence, garage roof
UrgencyFlagged for morning
Question for teamCoverage
Alert sent to the account managerFirst call tomorrow · 8:30 AM

Hear the first call. See what your producer gets.

A quote request comes in at 8:40 PM, after the office has closed. The agent calls, asks a few questions, and passes the price question to a licensed producer.

Quote request · 8:40 PM
Jordan M.Website quote request
Ready
0:00 / 1:09
Read the conversation
  1. Jordan

    Hello?

  2. AI assistant

    Hi, is this Jordan?

  3. Jordan

    Yeah, this is Jordan.

  4. AI assistant

    Hi Jordan, this is the AI assistant for Larkspur Insurance, calling about the quote you requested on our website. This call may be recorded. Do you have a couple of minutes?

  5. Jordan

    Oh, yeah. Yeah, sure. I just filled that out, like, a few minutes ago.

  6. AI assistant

    Great, thanks. I have a few quick questions so the right person can prepare your quote. It looks like you asked about auto and home. Is that right?

  7. Jordan

    Yep, both. Two cars and the house.

  8. AI assistant

    Got it. Who are you insured with today?

  9. Jordan

    Cedar Mutual. Both policies renew in March. I think the third?

  10. AI assistant

    March third, perfect. And before I pass this along, is there anything you'd like your producer to—

  11. Jordan

    So what's it gonna cost me?

  12. AI assistant

    That's a question for a licensed agent. I can't quote prices myself, but Nora can put together an accurate number. Can she call you tomorrow evening?

  13. Jordan

    Yeah, evenings are better. Maybe after six-thirty?

  14. AI assistant

    Six-thirty tomorrow. I'll pass along your auto and home details, your carrier, and your March renewal, so you won't have to repeat any of it.

  15. Jordan

    Perfect, thanks.

  16. AI assistant

    Thanks, Jordan. Have a good night.

What your producer receives
Jordan M. · new quote request
Lead source · consentWebsite form · on file
LinesAuto + home
Current carrierCedar Mutual
Renewal dateMarch 3
Best time to callTomorrow, 6:30 PM
Call outcomeReached · callback booked
Question for the producer“So what’s it going to cost me?”
Next step: Nora B. calls backTomorrow, 6:30 PM · transcript attached

  • The whole conversation

    Each call comes back with its transcript and outcome, so your producer knows what the prospect said before calling back.

  • A short intake summary

    The lines they want quoted, current carrier, renewal date, and the best time to talk. Basic facts, never a quote.

  • A clear next step

    Every call ends in an outcome: reached, callback requested, not reached, or opted out. Your team decides what happens next.

Quote request call
  1. Identifies itself as an AI assistant
  2. Confirms what they want quoted
  3. Current carrier and renewal date
  4. Prospect asks what it will cost→ Handoff
  5. Books a time with your producer

Where the agent stops.

Prospects ask about price early. The agent recognizes the question and hands it to a person who is licensed to answer it.

  • Does not quote premiums
  • Does not recommend coverage or carriers
  • Does not bind or change a policy
  • Does not say whether a claim is covered

State licensing rules vary, and they generally reserve quoting and coverage advice for licensed producers.

A conversation, not a phone tree.

The agent listens and responds in turn instead of reading menu options, so people can answer in their own words.

  • Lets callers cut in

    When someone interrupts, the agent stops and responds.

  • Stays on your script

    The call flow is written with your team, and anything outside it goes to a person.

  • Hands off to a person

    If someone asks for their own agent, the request is routed: a callback, a booked time, or a transfer.

Hear demo calls ↗

More than new business.

After the first call, the same agent can take the repeatable calls that slip when producers and account managers are busy.

Quotes not yet reached

A set number of attempts inside calling hours, then a handoff.

“Are you still comparing quotes for your auto policy?”
→ Interest · next step

Renewal dates coming up

Call prospects near the renewal date they gave you.

“Your auto policy renews next month. Do you still want a quote?”
→ Renewal date · appointment

Client renewal check-ins

Ask what changed before the policy renews.

“Any new drivers, vehicles, or renovations this year?”
→ Change list · review booked

After hours and storms

Answer when the office is closed or the lines are full.

“Tell me what happened, and I’ll flag it for your account manager.”
→ Request summary · urgency

Hear every call.

01

One lead source

Your website quote form or one renewal list, with its consent record.

02

One producer team

They receive each summary and rate how useful it was.

03

Every call on record

Listen to the calls, and check time to first call and booked appointments against your own numbers.

What agencies ask us.

Every agency’s lead sources and consent records are different.

Can an AI voice agent call insurance leads?

Yes, when the person has asked to be contacted. Bearworks places the outbound call, confirms what they want quoted and when their current policy renews, and books them with a licensed producer. The lead source, consent records, and calling rules are defined for each deployment.

Can the agent quote insurance premiums?

No. Quotes, coverage recommendations, and binding stay with your licensed producers. When someone asks about price, the agent offers a time with a producer or a callback.

Does the agent need an insurance license?

The agent is limited to work that state rules generally allow unlicensed agency staff to do: gathering factual information, scheduling, and passing requests to a licensed producer. States differ, so we review the call script with your counsel for each state you call into.

Is it legal to use an AI voice to call insurance leads?

AI-generated voices count as artificial voices under the TCPA (see the FCC’s 2024 ruling), so calls generally need the person’s prior express consent, and marketing calls need prior express written consent. Calling hours, opt-outs, state telemarketing laws, and call-recording consent also apply. Review your consent language and calling program with counsel; we build the pilot around what they approve.

Will it replace our CSRs or producers?

No. It makes the follow-up and reminder calls your team doesn’t get to, and hands them a summary. Quotes, advice, and claims conversations stay with your people.

Does it work with our agency management system?

A pilot starts with a simple path: a form or webhook triggers the call, and the summary comes back by email or into your CRM. Tell us which system you use and we’ll show you the connection we can test.

Do you work with Medicare or health insurance agencies?

Not at this time. We’re focused on property and casualty agencies, starting with personal lines.

Get Started

Tell us where your quote requests come from.

And how fast your team calls them back today.

Request an agency calling demo