AI for insurance agents, with the broker in charge.

What AI does well for an insurance agency

The work that fills an agent's day but does not need their licence is where AI pays for itself first.

• Renewals on time. Reminders go out ahead of each renewal date through templates approved in advance, and replies are sorted as they come in.
• Triage. Every incoming message is read and classified — a question, a document, a claim, a new need — so the urgent ones are at the top of the inbox.
• A first draft. The reply is drafted from the client's history; the broker reads it, edits it and sends it.
• Opportunities. A client mentioning a new car, a move or a new business is flagged instead of lost in a chat.
• A CRM that fills itself. Conversations update the client record, so nobody re-types what was said on WhatsApp.

What stays with the licensed agent

Advice and suitability, the choice of cover, the conversation after a claim, the negotiation — and the responsibility that comes with a licence. That is why in BrokerPilot the AI drafts and the broker sends, and why we never let an agent bind a policy or promise a price on its own. For the longer answer, read will AI replace insurance agents?

The channel clients already answer

Clients read WhatsApp messages; they often ignore emails. But WhatsApp has rules that shape an insurance CRM: after a client writes, a 24-hour window opens for free-form replies; outside it, only templates approved by Meta can start a conversation, and each is charged. Tracking that window per client, and planning renewals around approved templates, is built into BrokerPilot. The details are in WhatsApp Business API: how it works and what it costs.