Step 1
The client calls in
These are inbound, customer-initiated calls — no cold prospecting. The call routes to the AI sales agent, which greets the caller and identifies itself as AI where state law requires (Texas TRAIGA and beyond).
How It Works
How an AI-first insurance agency runs
AI voice agents work the inbound calls. Licensed 1099 node operators submit the issued policies. A conservation agent keeps them on the books. Here is the full path from call to commission.
Step 2
The AI runs the conversation
The AI voice agent qualifies the caller, walks the structured health questions, and runs the full sales conversation in advisor mode — supervised by a licensed agent. It can stay on a call as long as it is progressing toward a close.
Step 3
You submit the issued policy
Once the client confirms, the licensed node operator completes the carrier e-application through a structured submission workflow under their own appointment — tracked end-to-end to a carrier confirmation number.
Step 4
Conservation keeps it on the books
After issue, the conservation agent handles retention and payment recovery outreach on a scheduled cadence — protecting persistency and reducing chargebacks.
Why it works for agents
Flat fee per issued policy
No commission split and no prospecting. You are paid a flat fee for each policy that issues — the model and clawback window are laid out on the pricing page.
Compliance is built in
TCPA-aligned calling, AI self-identification where required, A2P 10DLC-registered messaging, and a fail-closed DNC check before any outbound call.