Insurance AI

Insurance Renewal AI Agent India

Policy renewal calls cost ₹80–120 per agent-call. XPndAI's AI agent calls every renewal prospect for ₹2/call — reminds them of due date, gives premium quote, and sends payment link on WhatsApp.

Get Free Quote →
₹2Per renewal call
35%Renewal rate lift
90%Call coverage rate
4 wksBuild time

How XPndAI Builds This

Fixed price · 4-week delivery · You own all code

Step 1

Import Due Policies

Pull expiring policies from your policy management system — daily or weekly export. The AI builds a call queue ranked by value and expiry proximity.

Step 2

AI Calls Policyholders

The agent calls 7–10 days before expiry. Reminds the policyholder, gives the renewal premium, and asks if they want to proceed. Handles objections with pre-approved responses.

Step 3

Sends Payment Link

For policyholders who agree, the AI sends a WhatsApp message with the payment link and policy details immediately after the call.

Step 4

Logs & Reports

Every call outcome — renewed, promised to renew, rejected, unreachable — is logged. Your team gets a daily report and focuses only on high-value rejections.

Who Hires XPndAI for This

🛡️Insurance companies
🤝Insurance distributors / IMFs
🏪POSP agents (large networks)
💻InsurTech platforms

Pricing

Fixed price. No time-and-material billing. No surprises.

Starter
₹5L
Voice + WhatsApp, Hindi+English, CSV import
MOST POPULAR
Standard
₹10L
Policy system integration, upsell flows, analytics
Enterprise
₹20L+
Multi-line insurance, cross-sell AI, custom reporting

Frequently Asked Questions

Can the AI upsell add-on covers during renewal calls?

Yes. XPndAI builds renewal agents with configurable upsell scripts — the AI can offer riders, top-ups, or add-on covers based on the policyholder's existing coverage and premium band. Upsell acceptance is logged separately for conversion tracking.

Is this compliant with IRDAI telesales regulations?

XPndAI builds the system following IRDAI guidelines for automated customer communication. We add mandatory disclosures, consent recording, and call archiving. Your compliance team reviews the final call script before go-live.

Which insurance lines does this work for?

Motor, health, term life, home, and commercial lines — any renewal-based product. The AI script is customized for each line because the objections, premium communication, and payment flow differ.

Can the AI handle policyholders who want to switch to a cheaper policy?

Yes. The AI can be configured to offer alternative plan options or route the policyholder to a human agent for complex policy switching conversations.

Automate your policy renewal calls.

Free 30-min call. We'll show you the exact renewal agent flow. Fixed price.

Get Free Quote →
Voice AIAI for FintechAI AgentsCalling Agents