Use case · Insurance renewals
Renewal nudges that close in the call.
Vocily AI places renewal nudges, answers product questions from your knowledge base, and transfers to a human agent when the customer is ready to renew.
The problem
Renewal calls are leaky and personal.
Auto, health, and term renewal portfolios run tens of thousands of due policies a month. Most lapses don't come from rejection — they come from no contact. A nudge call in the right language, with the right info, in the renewal window changes the outcome more than a discount does.
Problem · Solution
The problem today
Policy lapse is a silent profit killer. Renewal tele-calling teams at mid-tier insurers and aggregators spend most of their dialing time on unreachable contacts and language mismatches — only a sliver of dialing time produces a conversation that could have led to a renewal. Persistency targets slip, the actuary's model misses, and the cost to re-acquire a lapsed customer is several times the cost of saving them at renewal. IRDAI's consent capture requirements add another layer — every renewal conversation must be recorded and tagged with captured consent.
How Vocily AI handles it
Timed outreach
Renewal calls scheduled 45, 30, 15 and 7 days before policy expiry, with exponential backoff for unreachable contacts.
Multi-language routing
Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Kannada and more, routed per policyholder region or preference.
Recorded consent capture
The agent's prompt captures explicit consent on every renewal conversation; the recording and transcript are stored together so your team has the artefacts it needs for review.
Payment link delivery
After a successful renewal conversation, the agent sends the payment link via SMS or WhatsApp in the policyholder's language.
Persistency outcome logging
Every call outcome (renewed / callback / cancelled / unreachable) written back to your PAS or CRM via webhook with structured fields.
How the conversation runs
Conversation, then action.
Renewal list
Policies due for renewal in the next two weeks are loaded.
Nudge call
Agent introduces the policy, premium, and renewal options.
Q&A from KB
The agent answers from your KB instead of improvising.
Grounded in your docsClose or transfer
Hot calls move to a human agent; warm ones queue a follow-up.
Listen in
Health renewal nudge.
Hi Anjali ji, calling from HealthPlus. Aapki family floater 14 tareekh ko expire ho rahi hai — renew kar lein?
Same plan rakhna hai ya change kar sakti hoon?
Same plan possible, plus aap floater limit ₹5L se ₹10L bhi kar sakti hain. Kaunsa prefer karein?
Answers from KB
10L wala batao.
10L plan ka premium ₹14,800 hai. Renew karne ke liye main agent transfer kar du?
Transfer-ready
Common questions
What teams ask before they switch.
The agent pulls the actual policy and premium from your PAS at call time — not from a static list. Premium changes mid-cycle reflect immediately.