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Solution · Renewals & persistency

A call before every grace period.

Premium explained in their language, pay link sent, promise date logged.

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IRDAI tele-calling normsDPDP Act 2023TRAI / DLT
Renewals & persistency
Alpenglow over Himalayan ridges, Uttarakhand

Persistency is lost in the calls nobody had time to make.

Teams prioritise high premiums; the long tail lapses quietly and SMS reminders are ignored.

How the agent handles it

Explain, offer, follow through.

01 · Premium & benefit explanation

Explain

Exact premium, due date and cover from your PAS. Never invents a benefit.

02 · Pay now, on any channel

Collect

UPI or card link on WhatsApp/SMS mid-call; receipt confirmed before calling again.

03 · Objections & callbacks

Follow through

"Too expensive", "already paid", "call my spouse" — each a designed branch, not a dead end.

One call, step by step

Meera on a Renewal call.

Outbound call · ta-IN · renewals
Meera · FormantAI agent · Outbound · Tamil–English · Renewal00:55
  1. 00:03
    Opening & disclosure
    Vanakkam, naan Meera, [Insurer] la irundhu pesuren. Indha call record aagudhu. Karthik sir dhaana?
  2. 00:11
    Premium due · offer link

    Customer Yes, tell me.

    Sir, unga term plan premium ₹12,400 due on 30 September. Cover continue aaga, naan ippo oru payment link anupparen — UPI or card, edhu convenient?
  3. 00:25
    Confirm & close

    Customer Send on WhatsApp, I will pay this weekend.

    Sure sir. Link sent. Naan 20 September ku note pannitten. Grace period 30 days irukku, but cover gap illama irukka on-time payment best. Nandri!
stage: premium_explained → ptplang: ta-IN + en-IN mixedpremium: from PAS ✓PTP: 2026-09-20grace_disclosure: verbatim ✓
Compliance built in

IRDAI-aligned by design.

Tele-calling disclosures, consent, no mis-selling and clear grace-period language are frozen lines in every language. The agent never improvises a benefit or a return.

audit log · renewals · per call
Call events
11:04:01dnd_scrubstatus=clear✓
11:04:03ai_disclosurelang=ta-IN · verbatim✓
11:04:10pas_lookuppremium=₹12,400 · due=2026-09-30✓
11:04:22payment_link_sentchannel=whatsapp✓
11:04:25grace_disclosureverbatim ✓✓
11:04:27ptp_captureddate=2026-09-20✓
Enforced by the engine
  • AI and recording disclosure at call start
  • Benefit and premium figures read from the PAS — no paraphrased product claims
  • Grace-period and lapse consequences stated verbatim
  • Do-not-call and time-window compliance
  • Transcript and audit log per call for the compliance team
IRDAI tele-calling normsDPDP Act 2023TRAI / DLTExportable
Full control mapping
Integrations

Trigger → action → outcome.

workflows · renewals
TriggerActionOutcome Policy enters T-30 renewal windowAgent calls in the customer's preferred language and windowPayment, promise or objection logged to PAS/CRMPayment receivedThank-you message; no further callsZero over-callingObjection: "too expensive"Agent explains cover, offers a call from an advisorAdvisor booked with transcript and objection tagged
What we measure

Every pilot ends with a number.

100%
of due policies called in the window
13th
month persistency is where the call lands
1
call to explain, send the link and log the promise
0
mis-quoted premiums — every figure from your PAS

Illustrative framing; pilot numbers replace these. confirm

Reported weekly
Renewal conversion
paid ÷ called
by segment
Persistency
13M / 25M
vs. control
Contact rate
RPC %
by language
Cost per renewal
₹
vs. human team
Renewals & persistency

Stop losing the long tail.

Give us one renewal cohort and your scripts. We return an agent in your customers' languages and a plan to measure persistency lift.

Book a demo
Engineering

Scope it with an engineer

Bring your scripts, your systems and your regulator's checklist. We map the integration and the controls before the pilot starts.

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