Soberan for Insurance
AI agents that run insurance operations
Premiums collected. Renewals saved. Claims triaged on arrival. One agent runs the repetitive work over WhatsApp, voice, and email — your team keeps every decision that matters.
Built for carriers, MGAs, brokers, and agencies in the US and Latin America.
What it is
One agent across the policy lifecycle
Soberan for Insurance is an AI operations layer. The agent reads policy, billing, claims, and conversations in one place — then chases installments before they lapse, works renewals by risk instead of calendar, triages first notice of loss on any channel, and reconciles broker statements. Your team only touches real exceptions.
The problem
Where insurance operations bleed
Back offices don’t fail loudly. They leak — and the leaks are the margin.
Premiums lapse silently
A card expires, a transfer never lands, a reminder goes unread — and a policy nobody wanted to lose gets cancelled for non-payment.
What it costs Involuntary churn
Renewals by calendar, not risk
Notices fire on a date, not on loss experience or churn signals — your best accounts walk without a conversation.
What it costs Retention leakage
Claims intake is channel chaos
FNOL arrives by phone, WhatsApp, email, and web form — incomplete. Adjusters chase documents instead of adjusting.
What it costs Days added to every claim
Broker statements don’t reconcile
Commission schedules and producer balances live in spreadsheets that disagree with the ledger.
What it costs Month-end archaeology
One policy, re-keyed five times
Policy admin, billing, CRM, and regulator templates all want the same data — every re-key is an audit exception waiting.
What it costs Errors that compound
Service without policy context
The contact center sees a phone number, not a policy. Policyholders repeat themselves on every call.
What it costs Trust erodes
What the agent runs
The policy lifecycle, worked end to end
Complete workflows, not a chatbot on a queue — and it stops to ask exactly where your policy says it should.
- 01Quote & bind
Follow-up that never forgets
The agent
- Chases pending quotes on the prospect’s channel
- Collects missing underwriting data and documents
- Prepares decision-ready submission summaries
Your team owns Risk appetite, pricing, and the bind decision
- 02Premium collection
Installments that actually arrive
The agent
- Reminds before due dates — WhatsApp, voice, email
- Detects failed payments, offers plans within your rules
- Reconciles collected premium, flags variances
Your team owns Write-offs and exceptions outside policy
- 03Service & endorsements
Answers with coverage context
The agent
- Answers with coverage, deductible, and claim status in view
- Drafts endorsements from change requests
- Routes anything ambiguous with full context attached
Your team owns Coverage interpretation and endorsement approval
- 04Claims intake
FNOL triaged on arrival
The agent
- Captures FNOL on any channel, 24/7
- Verifies coverage, scores severity, builds the checklist
- Chases missing documents, keeps the claimant informed
Your team owns Adjusting, reserving, and every claims decision
- 05Renewal
Retention by risk, not calendar
The agent
- Starts early on profitable, low-loss accounts
- Surfaces churn signals before they become losses
- Prepares renewal files with loss experience summarized
Your team owns Renewal terms, repricing, and the relationship
- 06Reconciliation
Statements that match the ledger
The agent
- Matches broker statements against collected premium
- Chases producer balances with audit-logged touchpoints
- Prepares regulator-ready exports
Your team owns Dispute resolution and final sign-off
Channels
Where policyholders actually answer
Letters get ignored. Soberan works the channels policyholders actually answer — in English and Spanish.
The channel that gets read
Reminders, renewals, documents, and claim updates — branded, compliant, and logged.
Voice
Calls answered, not queued
FNOL and service calls taken 24/7, with warm, documented transfers when judgment is needed.
Inboxes that work themselves
Submissions and statements read, classified, and routed — drafts ready for human review.
Control & compliance
Built for an industry built on trust
The agent operates inside guardrails you define — and never owns a licensed professional’s decision.
Humans own judgment
Coverage, claims, pricing, and binding stay with your people. The agent prepares; people decide.
Policy-defined thresholds
Payment plans, discounts, and escalations follow your rules. Anything outside them stops and asks.
Every action audited
Every message, document, and match logged with timestamp, actor, and reason — regulator-ready by default.
Data stays governed
Your retention and access policies, role-based visibility, no training on your book.
Outcomes
What changes in the first quarter
60–80%
of claims intake handled by the agent
Coverage checks, severity scoring, document chase
24/7
coverage on FNOL and premium follow-up
The agent does not sleep; humans approve exceptions
−40%
cycle time on routine renewals and binds
Files arrive prepared; professionals just decide
30 days
to first workflow live
Scoped go-live, one workflow at a time
Directional outcomes — we model your baseline with you before go-live.
Fits your stack
No rip-and-replace of your core
The agent reads and writes to the systems you already run — no core migration.
Policy & finance
- Policy admin systems
- Billing & installments
- Bank feeds
- Accounting & ERP
Relationship
- Salesforce
- HubSpot
- Microsoft Dynamics
- Spreadsheets
Channels
- WhatsApp Business
- Voice & telephony
- Gmail & Outlook
- Web chat
Questions
What insurance teams ask us
What is Soberan for Insurance?
Soberan for Insurance is an AI agent platform for insurance operations. It runs premium collections, policy renewals, claims intake (FNOL), policyholder service, and broker reconciliation over WhatsApp, voice, and email — on top of your existing policy admin and CRM systems, with human approvals on every exception.
Does the agent make coverage or claims decisions?
No. The agent verifies, prepares, follows up, and reconciles. Coverage interpretation, claims adjusting, reserving, pricing, and binding remain with your licensed professionals. The agent’s job is to make sure those professionals receive complete, decision-ready files instead of raw inboxes.
How does AI premium collection work?
The agent tracks every installment against its due date, sends reminders on the policyholder’s preferred channel before payment fails, detects lapses and failed charges, offers payment plans within rules you define, and reconciles what arrives against your ledger. Anything outside policy — a disputed amount, a hardship case — escalates to your team with full context.
Can it handle first notice of loss (FNOL) on WhatsApp and phone?
Yes. The agent captures FNOL 24/7 on WhatsApp, voice, email, and web chat. It verifies the policy and coverage, scores severity, assembles the required document checklist, chases missing items, and routes the claim to the right adjuster with everything attached — typically reducing intake handling by 60–80%.
Do we have to replace our policy administration system?
No. Soberan is an operating layer, not a core replacement. The agent connects to your existing policy admin, billing, CRM (Salesforce, HubSpot, Dynamics), email, and even spreadsheet workflows. Most teams go live with their first workflow in about 30 days, depending on integrations and data readiness.
Is it compliant enough for a regulated insurer?
Soberan is built for regulated operations: every agent action is logged with timestamp, actor, and rationale; communication templates and cadences follow your compliance rules; data access is role-based; and audit-ready exports exist by default. Your compliance team defines the guardrails the agent operates inside.
Which insurance companies is this for?
Carriers, MGAs, brokers, and agencies in the United States and Latin America that run meaningful operational volume — installment collections, renewal books, claims intake, broker networks. Soberan works in English and Spanish natively, including WhatsApp-first markets like Mexico and Colombia.
Put an agent on your operations
Bring one bleeding workflow. The agent is running it in about 30 days.
Book a demo