Deliver empathetic, instant policyholder support.
Deploy AI agents that guide policyholders through FNOL, answer coverage queries, and verify documents securely on WhatsApp and voice — 24/7, in English or Swahili.
Policyholders dread calling their insurer.
When disaster strikes, policyholders are stuck on hold or filling out endless PDF forms. The manual verification of damage photos and policy compliance causes long resolution cycles, eroding customer trust.
AI agents that guide policyholders with empathy.
Deploy a compliant AI agent that guides policyholders step-by-step through claim submission via WhatsApp, securely extracting data from damage photographs and instantly querying policy databases.
From first message to measurable outcome.
Customer reaches you
Policyholder starts FNOL after an incident — mobile-first, async-friendly via WhatsApp.
Agent + knowledge
Coverage FAQs and excess explanations come from vetted policy KB snippets.
Workflows & tools
Core admin lookup (TurnQuest, IBIS), FNOL payload, photo intake, assessor task queue.
Human handoff
Fraud signals or injury claims escalate to adjuster with structured summary.
Supervisor view
Supervisor monitors SLA, straight-through processing %, and consent audit trail.
Example: Auto glass FNOL on WhatsApp
Policyholder in Nairobi reports windshield damage; Qallio creates the claim in your core system.
Tree-branch windshield damage; agent confirms everyone is safe first.
Policy number verified; comprehensive motor cover confirmed against your rules.
Photo uploaded; vision assist tags damage; claim draft + assessor slot created.
Total loss suspicion → human adjuster with images + FNOL JSON.
Leadership sees time-to-FNOL, % digital complete, and call deflection.
Support built for sensitive moments.
Policy Inquiries
- Instantly parse complex 50-page policy PDFs for coverage answers
- Explain deductibles and limits in plain natural language
- Process premium payments securely over chat
- Send automated pre-renewal reminders
Intelligent FNOL
- Conversational data capture replacing long forms
- Computer vision API integrations for instant damage assessment
- Fraud detection heuristics querying historical claims data
- Automate tow-truck requests using Google Maps location sharing
Broker Enablement
- Pre-qualify inbound lead requests and quote generations
- Hand-off complex underwriting queries to live brokers seamlessly
- Schedule risk appraisal appointments automatically
- Integrates perfectly with Guidewire, HubSpot, and Salesforce
Personalized offers and targeted marketing.
Use conversation context and first-party data to tailor messages, launch relevant offers, and reach the right segments — without generic one-size-fits-all blasts.
Personalization
- Reflect policy type, life stage, and prior claims topics in follow-ups.
- Guide add-on covers with disclosures pulled from approved policy KB.
- Broker-branded journeys that still enforce carrier rules and wording.
Offers
- Renewal incentives, safe-driver, or bundle discounts when rules qualify.
- Cross-sell riders only after eligibility checks against policy data.
- FNOL and service offers that do not over-promise settlement outcomes.
Targeted marketing
- Campaigns to dormant policyholders with lapse-risk scoring and consent state.
- Channel-specific nurture: WhatsApp for quick nudges, email for long-form.
- Attribution from quote to bind for agents and marketing in one trail.