Connected across the renewal window after multi-attempt redials.
Solutions · Renewals
The renewal that closes on the call.
Most policies do not lapse from a decision. They lapse from delay. The AI reaches every policyholder across the renewal window, recites their real policy accurately, handles the objection, and takes the payment on the same call, then works the lapsed book too. No reminder that leads nowhere.
Renewal window · liveSimulation
policyholders reached0
renewed on call0
to an advisor0
renewed by AIto a human advisor
"A renewal reminder is not a renewal. The gap between intending to renew and actually paying is where the whole book quietly leaks."The renewals doctrine · close the loop, take the payment
The operator's truth
An SMS reminder tells the customer to renew. It cannot answer the one question stopping them.
The renewal window is narrow, from roughly forty-five days before expiry to a short grace period after, and it closes whether or not anyone reached the customer well. A missed one is a lapsed policyholder who moves quietly to a competitor.
Human tele-calling cannot cover that window at scale, consistently, across languages. The AI can. It reaches the policyholder, quotes their actual policy from your system rather than an invented figure, handles the objection, and closes the payment while they are still on the line.
The renewal window
From forty-five days out, to paid.
The AI works the whole window, not a single reminder. It only steps aside for the cases that genuinely need an advisor, with the context already handed over.
T minus 45 · First reach
The proactive call, well before expiry
Renewal dates read straight from your policy system trigger the first outreach automatically, so no policyholder waits on a list and no renewal is missed for want of a call.
Auto-triggered from CRMMulti-attempt redial10+ Indian languages
Moves: connectivity across the window
T minus 15 · The real conversation
Their actual policy, quoted correctly
The AI recites the policyholder's own premium, cover and value from your source of truth, never an invented figure, answers FAQs, and handles the price or comparison objection with a consistent, compliant flow.
Grounded on live policy dataObjection handlingLive info updates
Moves: renewal rate of connected
T minus 7 · Close and upsell
Payment taken on the call
When the customer agrees, the AI sends a payment link over WhatsApp and gets the renewal processed inside the conversation, then, only once renewal is confirmed, offers the one relevant add-on at the moment of peak trust.
In-call payment linkAttributed via UTMUpsell at peak intent
Moves: in-conversation renewals
T plus 2 · Lapsed recovery
The book that already slipped, worked back
Policyholders past expiry re-engaged with a warm, non-pushy reactivation flow that explains reinstatement clearly and either completes it on the call or schedules a callback that actually happens.
Grace-period recoveryAuto-scheduled callbacksReinstatement flow
Moves: lapsed reactivation
Anytime · The advisor
Disputes and high-value cases, to a person
A claim dispute, a complex policy change, or a high-value renewal that needs authority routes to a human advisor mid-call, with the policy and the conversation attached.
Warm handoffFull policy contextAdvisor authority
AI → human, in seconds, with context
Moves: complex-case conversion
Every renewal, covered
Not just insurance, any book that expires.
The motion was built on a motor-insurance renewal book and runs anywhere a customer has to actively say yes again. The same brain handles all of it.
Motor insurance
The four-wheeler and two-wheeler book
Called before expiry with the exact policy quoted, then a zero-depreciation or roadside add-on offered based on vehicle age once the renewal is confirmed.
Moves: motor renewal rateHealth & top-up
Renewal plus the right cover
Renewal handled in the customer's language, with a relevant top-up or critical-illness cover introduced only after the base policy is secured.
Moves: renewal + attach rateTerm & life
Riders at the moment of trust
After renewal confirmation, the AI presents a relevant rider matched to life stage and existing cover, framed as an extension of what the customer just agreed to.
Moves: rider attachWarranty & AMC
The service contract, renewed on time
Extended warranties and annual maintenance contracts renewed before they lapse, with the payment closed on the call.
Moves: contract continuitySubscriptions & memberships
The recurring plan, kept alive
Auto-renewals confirmed, failed payments re-attempted conversationally, and downgrades offered before an outright cancellation.
Moves: recurring retentionEMI & loan follow-up
The due date, met
Customers approaching a repayment date called ahead of time, intent confirmed, and restructuring options offered for the accounts at risk.
Moves: on-time payment rateProven on a real renewal book
TATA AIG, four-wheeler renewals, end to end on one call.
ORI ran outbound four-wheeler renewals for TATA AIG General Insurance across the full window, grounded on live policy data, closing the payment in-conversation over a WhatsApp link. The exact funnel figures are available under NDA; directionally, the programme reached a large share of the book after redials, renewed the majority of connected policyholders, and closed a meaningful portion of renewals on the call itself.
ReachMost of the book
Of those connectedMajority renewed
Persuaded and renewed on the call, in the customer's language.
Closed in-conversationOn the call
Renewed there and then via the voicebot's WhatsApp payment link.
GroundingZero invented figures
Every premium and cover quoted from live CRM data, never a hallucinated number.
Compliant renewals by construction
The rules that govern an insurance renewal call, enforced in the platform.
Disclosures, contact rules and data handling live in the platform, and every call is recorded and transcribed for audit.
IRDAIInsurance conduct & disclosures
Mandatory disclosures, opt-out handling and conduct rules built into the conversation flow, with scripts reviewed and approved before go-live.
TRAI · TCCCPRContact windows & DND
Calling-hour windows, frequency caps and DND checks gate every outbound dial across the renewal window.
DPDP ActConsent & data protection
Consent honoured per contact, policyholder data resident in India, recordings encrypted and access-controlled.
Internal100% call audit
Every renewal conversation scored, AI and human, with full transcripts retrievable for audit.
PaymentsPCI-DSS handling
The in-call payment link and any card capture stay inside the standard; card data never lingers in a transcript.
GroundingSource-of-truth data
Every quoted figure fetched from your policy system and knowledge base, so the bot never invents a premium or cover term.
What renewals leaders ask before signing
How does the AI know each customer's policy details?
It reads them from your system on the call. Policy number, premium, cover and vehicle or asset value are fetched live from your CRM and policy system, so the AI quotes the customer's real policy and never an invented figure. That grounding is the difference between a renewal engine and a liability.
Can it actually take the payment, or just remind?
It closes the payment on the call. Once the customer agrees, the AI sends a payment link over WhatsApp and gets the renewal processed inside the conversation, then logs the outcome back to your CRM with clean attribution.
What about customers whose policy has already lapsed?
They are worked too. A dedicated recovery flow re-engages lapsed policyholders through the grace period with a warm reactivation conversation, completing reinstatement on the call or booking an advisor callback for complex cases.
Is the upsell going to annoy my customers?
It only fires after renewal is confirmed, and only when it fits. The AI offers one relevant add-on matched to the customer's cover and life stage, framed as an extension of what they just agreed to, and logs acceptance or decline with full context.
How do you price this?
Consumption on handled volume, plus a success fee on renewals above your baseline. No seats, no shelfware; the full construct is on the outcome pricing page.
What proof exists on books like ours?
Ask for the reference call. We ran four-wheeler outbound renewals for TATA AIG General Insurance end to end, with the payment closed in-conversation; the full funnel figures are available under NDA. Bring your renewal book and we will baseline it first.
Judge it on your book