Insurance renewals
Renewals called before they lapse. Your advisors take the changes.
Calls each policyholder before the renewal date, in their language, notes who to add and what cover they want, and books your advisor for any change. It never quotes a premium or takes a payment.
MeherBluefern Health Insurance, Pune
Uses your microphone. Nothing is recorded.
What callers ask
The questions it hears every day.
“प्रीमियम कितना बढ़ेगा?”
How much will the premium go up?
Never states a premium or a discount. Your advisor quotes it, on the call the agent books.
“Claim approve ho jayega na?”
The claim will be approved, right?
Never says whether a claim will be paid. It notes the question and books your advisor.
“મારાં માતાપિતાને ઉમેરી શકાય?”
Can I add my parents?
Answers from your policy rules, such as the age up to which a parent can be added, and books the advisor for the rest.
“Can I pay the renewal on this call?”
No. It never takes a card number, UPI PIN, OTP or bank details. It says the renewal is paid only through your own secure link or app.
What it writes
The lead card, from their own words.
Only what the caller said or agreed to. Anything they didn’t say stays empty, so your team knows what is still to ask.
- Renewing
- The policyholder’s own answer: yes, no or not sure, with the reason if they gave one.
- Add or remove
- Anyone to add or take off the policy, such as a newborn or a parent, as they said it.
- Cover
- A higher sum insured, if they asked for one, so your advisor comes ready with the numbers.
- Asked about
- What the agent could not answer, such as the premium or a claim, for your advisor to take up.
- Advisor call
- A time the policyholder asked for or agreed to.
- Language
- So your advisor calls back in the language the policyholder chose.
- Do not call
- Set when they ask not to be called again: the number goes on your suppression list at once.
Yours gets its own questions and its own card, set up with you and tested on calls before it answers a single caller.
Your numbers
Every call, counted.
Every figure comes from your own calls, in your dashboard from the first call.
Reached before the due date
Policyholders spoken to before their renewal date, out of those due, from the call records.
Said they will renew
Policyholders who said yes on the call, out of those reached.
Advisor calls booked
Calls that ended with a time for your advisor, for a change or a question the agent could not answer.
Opt-outs
Numbers added to your suppression list during calls, from the call records.
Rules
The rules your calls follow.
1600 numbers for service, 140 for offers
Under TRAI’s 2026 rules, service and transactional calls by insurers come from 1600 numbers, and promotional calls from 140. AI calls are A2P calls you declare to your operator. Calling from your own 1600 and 140 numbers is set up on request.
TRAI: TCCCPR (Third Amendment) Regulations, 18 Sep 2026Tell policyholders the call is recorded
IRDAI’s distance-marketing guidelines ask insurers and their telemarketers to say the call is recorded and to keep call records. Your agent’s opening line, written with you, says so, and the transcript of every call is kept against the policyholder.
IRDAI: guidelines on distance marketing of insurance productsOffers keep to the calling window
A reminder about a customer’s own renewal is a service call. An offer of another product is promotional, and TRAI’s default window for promotional calls is 10:00 to 21:00 IST. The agent dials only inside the window you set.
TCCCPR 2018, Schedule II (text on Indian Kanoon)Nothing the renewal does not need
Under the DPDP Act, a policyholder’s details can be used for the purpose they were given for. The agent asks only what the renewal needs, and never asks for a card number, UPI PIN, OTP, bank details, Aadhaar or PAN.
DPDP Act 2023, section 7 (text on Indian Kanoon)Your tools
What it connects to.
- Renewal listsTodayUpload a CSV or .xlsx file of up to 5,000 leads at a time. Columns are recognised by name, so most exports work as they are.
- Indian phone numberTodayA real Indian number, through an Indian carrier, answered by the agent and used for its calls out.
- WhatsApp follow-upTodayWhere your WhatsApp Business account is connected, it follows the call through your approved template (English today), once the caller confirms the number.
- Your own 1600 and 140 numbersOn requestTRAI expects an insurer’s calls from these series. Calling from them is not set up today.
- Your policy system or CRMOn requestNot connected today: renewal lists come in as files.
- Live transfer to a licensed advisorOn requestThe agent books the advisor call instead.
Before you start
Questions, answered.
Will it quote a premium or a discount?
No. It is not given them, so it cannot. It books your advisor, who quotes the new premium with any change the policyholder wants.
Can it take the renewal payment?
No. It never asks for or accepts a card number, UPI PIN, OTP or bank details. It tells the policyholder the renewal is paid only through your own secure link or app.
Will it tell a policyholder whether a claim will be paid?
No. It gives no advice on cover, health or claims. It notes the question for your advisor and books the call.
Will policyholders know they are talking to an AI?
If your agent tells them, and we recommend it does. Its opening line is written with you before it goes live, and it can say it is your AI assistant and that the call is recorded. In the EU, saying so at the start is required from 2 August 2026.
Where is policyholder data stored?
The dashboard, its API and the database run in Singapore, and live calls are handled on a server in Kuala Lumpur, Malaysia. Every company that processes data for us is listed on our Security page. Each client’s leads, calls and recordings are kept in its own workspace.
Which languages does it speak?
Whichever your callers speak: English, Hindi, Tamil, Marathi, Gujarati, Arabic and many more. It switches when the caller does, even mid-sentence, and each language is tried on your own questions before a caller hears it.
Have you built agents for insurers before?
BlackWolf’s agents take live calls for real-estate businesses today. An insurer’s agent is built the same way: from your policy rules and your renewal list, then tested on calls with you before it goes live. The renewals demo on this page shows how it sounds.
Try it on your own leads.
We build your agent from your brochure and your questions, test it on calls with you, then connect your number.