Bulk campaign or voice broadcast
AI Calls for Insurance Renewals
Insurance renewal calls with an AI voice agent mean every policyholder whose motor, health, term or life policy is coming due gets a reminder call before expiry, with the renewal payment link sent on WhatsApp during the call. Outpero runs this as a scheduled bulk campaign with retries and DND screening, and logs who will renew, who wants changes and who has moved to another insurer.
* Time from the lead reaching Outpero to the first ring, under normal conditions. It depends on how quickly your lead source delivers the lead.
At a glance
AI Calls for Insurance Renewals: the short version
| How it works here | |
|---|---|
| How it starts | Works through a list you upload or schedule |
| Languages | Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English |
| It captures | Renewal intent, Payment link sent, Requested changes (add-on, sum insured, IDV), Renewed elsewhere and reason |
| You measure it by | renewal retention rate |
| Cost | No setup fee · from ₹5/min · number ₹649/month · Prices exclude 18% GST |
Why insurance renewal calls breaks when people do it
Renewal books are where insurance agencies and brokers quietly lose money. A motor policy left unrenewed for more than 90 days after expiry loses its accumulated no-claim bonus, and a lapsed health policy can mean serving waiting periods again, yet renewal teams are busy with new business and call only the large premiums. SMS and email reminders are ignored, and by the time someone calls, the customer has renewed online with whichever insurer an aggregator showed first.
Step by step
How it works
- 01Export policies due in the next 30 to 45 days as a CSV with policy type, expiry date and premium, or send them from your policy system via webhook.
- 02Schedule a campaign with calling windows and retries; DND screening runs before the list is dialled.
- 03The agent names the policy and expiry date, mentions what the customer loses if it lapses, and asks whether they plan to renew.
- 04It sends the renewal payment link on WhatsApp during the call, or books a callback with an advisor for changes such as adding a family member or revising the IDV.
- 05Customers who have renewed elsewhere are logged with the reason they switched.
- 06A follow-up campaign calls only those who have not paid by the next reminder date.
Hear how a call goes
A sample insurance renewal calls call
A motor policy renewal campaign running 12 days before expiry, for a customer in Indore. · Runs in Hindi with English words; shown here in English.
- Outpero AIHello, am I speaking with Amit Jain? This is the AI assistant of Suraksha Insurance Advisors, calling about your car insurance policy that expires on the 18th.
- CallerYes. I know it is expiring. What is the premium this time?
- Outpero AIThe renewal premium is on the payment link that I can send to your WhatsApp now. Renewing before the 18th also keeps your no-claim bonus. Shall I send it?
- CallerSend it. But I want to add zero depreciation this time, my car is only two years old.
- Outpero AIGood thought. Adding an add-on changes the quote, so an advisor will give you the exact figure. Which time is good for a callback?
- CallerTomorrow morning, around 10.
- Outpero AIBooked for tomorrow at 10 am. Is the car still registered under your name, and is the sum insured the same as last year?
- CallerSame name, same car. Maybe the IDV can be reviewed, it has become older.
- Outpero AINoted. The advisor will review the IDV and the zero-depreciation add-on with you. I am sending the payment link and advisor's number now.
- CallerOkay, thanks.
- Outpero AIThank you, Amit ji. Have a good day.
Renewal intent: yes. Requested changes captured: zero-depreciation add-on and IDV review. Payment link sent on WhatsApp; advisor callback booked tomorrow 10 am. Preferred language: Hindi.
An example written to show the shape of the call, not a recording or a customer result.
What it captures on every call
Measured on: renewal retention rate.
Connect it
How the trigger reaches Outpero
| Where it comes from | How it gets to the agent |
|---|---|
| Policy administration system export | Export policies expiring in the next 30 to 45 days as CSV with policy type, expiry date and premium, and upload it as a scheduled bulk campaign. |
| Advisor CRM renewal workflow | A CRM rule that flags a policy at a fixed number of days before expiry sends the customer and policy details to Outpero's webhook. |
| Dealership service or sales records | A dealer's DMS list of vehicles sold or serviced with expiry dates is saved as CSV or sent through Zapier or Make for renewal calls on behalf of the dealer. |
| Spreadsheet of lapsed policies | A second sheet of policies that lapsed in recent months is uploaded for a win-back campaign with a different opening line. |
| Payment status feedback | A webhook or Make scenario marks paid policies in your sheet, so the next reminder campaign skips customers who already renewed. |
Results go back out the same way: a webhook you provide, or a live spreadsheet or API call mid-call. WhatsApp messages and calendar bookings are opt-in per employee.
Opening line
How it opens the call
नमस्ते अमित जी, आपकी car insurance policy 18 तारीख को expire हो रही है। Time पर renew करने से आपका no-claim bonus बना रहेगा — क्या मैं payment link WhatsApp पर भेज दूँ?
“Hello Amit, your car insurance policy expires on the 18th. Renewing on time keeps your no-claim bonus — shall I send the payment link on WhatsApp?”
The same call runs in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English.
Price it
What insurance renewal calls would cost you
Estimate: insurance renewal calls
Defaults are an example for renewal reminders, not a promise. Change any number to match your business.
Calls that actually connect — unanswered calls are not billed.
1 channel is included with your number; each extra is ₹649/month.
- Talk time per month
- 9,360 min
- Calling (₹5/min)
- ₹46,800
- Number + 4 channels
- ₹2,596
- Subtotal
- ₹49,396
- GST (18%)
- ₹8,891
About ₹9 per connected call before GST.
Run it well
What to track — and what goes wrong
| Track | How to read it |
|---|---|
| Renewal intent captured per call | A fall in intent close to expiry suggests customers are comparing prices, so check the reasons recorded for switching. |
| Payment links sent versus paid | A wide gap means the link or payment page is the obstacle, not the call; fix that before adding more reminders. |
| Advisor callbacks requested | A rising request share for add-ons or IDV changes shows demand for advice, so keep advisor slots staffed. |
| Renewed elsewhere and the reason | Repeated reasons such as price or claim experience tell you what to fix in the offer you make next year. |
- !Calling too late. Starting 30 to 45 days before expiry leaves time for advisor callbacks and payment.
- !Having the agent quote premiums that depend on add-ons or IDV. Let the advisor give the final figure.
- !Not excluding policies already renewed, which annoys customers and wastes credits.
- !Ignoring IRDAI rules on communication. Keep calls to renewal information and obtain consent for any marketing beyond it.
Complex commercial, marine or group policies need an advisor from the first call. Where customers renew only through an agent they trust personally, an automated call may feel intrusive.
Questions people ask
Can an AI agent make insurance renewal calls under IRDAI rules?
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Renewal reminders and payment-link calls are service calls about an existing policy, but advice and the sale of new cover are regulated by IRDAI and should stay with licensed persons. Configure the agent to remind, share the existing renewal premium and link, and record requests for changes, then route those to a licensed advisor through a callback. Every call is recorded and transcribed for your compliance reviews.
When should renewal reminder calls start?
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Most agencies start 30 days before expiry, call again around 15 and 7 days out, and make a final call on or just after the expiry date. Customers who have already paid are removed between rounds by updating the list or letting the agent check a spreadsheet live. Starting early matters most for motor policies, where buyers compare online quotes in the last week.
What happens if the premium has gone up at renewal?
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The agent quotes the renewal premium you pass in for each policy, or reads it live from a spreadsheet or your API if it changes often. If the customer objects to an increase, the agent records the objection and books an advisor callback rather than negotiating. That gives the advisor a list of price-sensitive renewals each morning instead of finding out after the policy lapses.
Does it make sense for two-wheeler insurance with small premiums?
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That is where it makes the most sense. A two-wheeler premium may be only a couple of thousand rupees, too small for an advisor to chase profitably by phone, but a two-minute AI call on Standard costs about ₹10. Dealerships and brokers with large two-wheeler books can call every renewal rather than only the biggest premiums.
Which languages are available for renewal calls?
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Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and Indian English are live, and the agent switches to English mid-sentence when the customer does — useful because terms like IDV, no-claim bonus and sum insured are usually said in English anyway. You can run separate campaigns by region so customers in Kochi hear Malayalam and customers in Nagpur hear Marathi.
How much does an AI voice agent for insurance renewal calls cost?
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Outpero has no setup fee and no monthly base fee — you pay only for connected talk time, from ₹5 per minute (1 credit = ₹1, credits never expire), plus ₹649/month for a dedicated calling number. You pay only for the minutes the agent is actually talking. Prices exclude 18% GST.
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