Policy lifecycle
Persistency is a calling problem before it is a product problem.
The lapse happens in the long tail — regional languages, policies too small to justify a human call. That is the tail a voice agent covers at full depth.
Where we deploy
Six places an agent goes that a team cannot.
Six conversations across the policy lifecycle, each able to complete on the call.
Renewal and lapse recovery
Pre-due, grace-period and reinstatement calls nobody was going to make.
Premium auto-pay setup
Mandate registered on the call. Manual renewal becomes recurring.
First notification of loss
Structured intake in the claimant's language, at the moment of the event.
Claim status
Proactive calls that take inbound off the claims desk.
Policy servicing
Nominee, address and rider queries, answered from the policy wording.
Cross-sell and recommendation
Next-policy conversations at renewal, when attention is already there.
Why voice works here
A renewal is ignored over SMS. It is not ignored on the phone.
A renewal is easy to ignore over SMS. A call in their own language, with the policy number and premium already known, converts differently — and closes the mandate before it ends.
Selling a cost saving gets you a pilot. Moving persistency gets you a multi-year contract.
Hear it
The renewal call, end to end.
Policy number and premium up front, lapse consequence without pressure, mandate closed before it hangs up.
Insurance renewal
Play the transcript. Audio master in production.
0:00 / 0:40 · timed transcript
Live transcript
—Script in production with a native-speaker writer. The call runs these beats:
- 01Greeting and identity confirmation.
- 02Policy number and premium stated up front, before anything is asked for.
- 03Lapse consequence explained without pressure.
- 04Auto-pay mandate offered on-call.
- 05Mandate completed inside the conversation.
- 06Opt-out offered before the close.
Mandate registered
Compliance
IRDAI conduct, TRAI calling windows and DPDP consent enforced at the dialer. Every call recorded against the policy number.
Highest-value use case
Persistency on low-premium policies human teams never reach.