In the insurance industry, the first to respond wins 78% of shoppers. OneAI isn’t just a dialer—it is an intelligent agent that calls in under 5 seconds, integrates with your underwriting, and filters leads before they ever reach your human staff.

Performance at Scale

Real-world results from active deployments demonstrate high-volume capability with impressive conversion rates.

The Engine: Real-Time Underwriting & Smart Routing

Most AI just asks questions. OneAI analyzes risk and checks your systems during the call.

1. Deep Qualification & Underwriting Ping

The AI gathers critical data—customer location, credit score, age, insurance history, and claims history—and immediately pings your underwriting system to generate a non-binding estimate in real-time.

• Underwriting Rejection: The AI politely disqualifies the lead, saving your agents time.
• Underwriting Acceptance: The AI presents the estimate and gauges the customer's reaction.

2. The Customizable AI Decision Matrix

We utilize a 2-way sync with your underwriting, CRM, partner management, and calendars to route calls based on Offer Competitiveness, Deal Value, and Customer Urgency.

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"Connecting it to our underwriting system meant the AI could tell people right away if we had a good estimate for them or not. Cutting out the bad leads gave us the focus we needed to win more deals."

Use Cases for Insurance

📞 Instant Quote Callbacks

Call quote requests within 5 seconds to qualify coverage needs and warm-transfer to agents before prospects shop competitors.

✅ Lead Qualification

Ensure agents only speak with ready-to-buy prospects. The AI filters based on deep risk factors and immediate underwriting feedback.

🚫 Renewal Retention

Call policy holders 45 days before renewal to check satisfaction, offer re-quotes, and save at-risk policies.

📅 Appointment Confirmation

Automatically confirm scheduled quotes 24 hours ahead, reducing no-shows from 40% to under 15%.

🔄 Aged Lead Revival

Reconnect with thousands of old quotes to find expiring policies and shopping prospects, converting 2-5% into new policies.

⏰ 24/7 Inbound Coverage

Answer after-hours calls instantly, qualify insurance needs, and book appointments so you never lose weekend shoppers.

Why OneAI Phone Agents for Insurance?

Total Ecosystem Integration

We don't just log calls; we sync data in real-time.

• 2-Way Sync: Seamlessly connects with underwriting engines, CRMs, partner management tools, and calendarsduring the call.
• AMS Compatibility: Works with Applied Epic, Vertafore, QQCatalyst, and HawkSoft—personalizing calls with existing policy data.

Insurance Intelligence

AI trained on P&C, life, and Medicare terminology. It understands coverage types, deductibles, bundling, and carrier differences right out of the box.

TCPA Compliant

Built-in DNC scrubbing, consent tracking, and one-party recording. Full audit trails ensure regulatory compliance.

Local Presence

Shows local number + agency name on caller ID. 3x higher answer rates than toll-free numbers.

Insurance Organizations Using OneAI

Independent Agencies

• Goal: Beat captive carriers.
• Application: Route by line of business to specialist agents using the AI Decision Matrix; qualify across auto, home, and commercial lines.

Medicare Insurance Agencies

• Goal: Manage seasonal volume (AEP/OEP).
• Application: Qualify plan types, medications, and doctor preferences without hiring temporary staff.

Direct-to-Consumer Insurers

• Goal: Immediate conversion.
• Application: Convert web quotes with immediate callbacks and qualify simple products without human intervention.

Captive Agency Networks

• Goal: Maximize carrier leads.
• Application: Instant response to carrier-provided leads while maintaining strict brand compliance with approved scripts.

MGAs and Wholesalers

• Goal: Scale distribution.
• Application: Qualify specialty lines with complex criteria and route to appropriate underwriting desks.