AI agents for insurance agencies that follow up every quote by email, text and phone until it is bound or declined, send the renewal reminder at 60, 30 and 7 days in the words you wrote, answer "what do you need from me?" and "how does a claim work?" from your own Q&A, and book the appointment into a producer's calendar. It does not advise, quote a premium or bind anything, and every touch on every prospect is kept.
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A quote that goes out and gets no reply is the most expensive silence in the agency. Insurance quote follow-up automation here is a campaign: an email the day after the quote from the producer's own address, a text on day 3 from your own number, a call on day 7 on your Twilio number read from the script you saved, a final email on day 14. Each step is a template with the prospect's details filled in, each has its own delay, and a step can be sent only if the previous one was opened, or only if it was not.
The text step carries the sending window with its days, hours and time zone, the pace for the number, a TCPA consent tick, and the Reply STOP line. The sequence stops the moment the prospect replies, books or opts out on any channel, and anything queued to them is cancelled. When they reply "yes, let's go ahead", the thread lands in the inbox for the producer to bind it, because the agent cannot.
Pull the segment of policies renewing in a given month from your connected HubSpot or GoHighLevel, or upload a CSV, and start a renewal campaign sixty days out. The steps fall where you set them: an email at 60 days from the agency's own address, a text at 30 days, a call or a second email at 7 days, each in the words you wrote, with the policy details filled in. A reply, an opt-out or a booking ends the sequence for that person on every channel.
Mail leaves through your own mailbox, connected with an app password for Gmail or Outlook or as an SMTP and IMAP host for anything else, so it comes from the address your policyholders already know. Each mailbox carries a health score out of 100, with SPF, DKIM and DMARC on the domain, recent bounces and where its mail is landing, and a failing mailbox is pulled from rotation before it damages the domain.
A visitor on your site at 9pm asks what they need for a homeowners quote, whether you write commercial auto, how a claim gets started, and how long a certificate takes. The agent answers from the Q&A pairs, the documents and the data points you loaded: your lines, your carriers' process as you describe it, your hours, your office address. It links only to the pages of your own site you allowed, and asks for an email address when the conversation is worth keeping.
Its instructions say what it does not do: it does not advise on what cover somebody needs, does not recommend a product, does not quote a premium, and does not bind anything. Those go to a producer with the thread attached. The same agent, with the same answers and the same boundaries, answers the mailbox, the text line, the phone and the DMs on Messenger, Instagram and WhatsApp.
One row per contact shows every email, text, call transcript, recording, chat and DM in the order it happened, with the time it happened. Every reply the agent wrote is stored beside the material it was written from. When a prospect says they were never sent the quote, or a policyholder says nobody told them about the renewal, the thread and its timestamps are there.
The dashboard counts people rather than messages: how many the agent reached, how many replied, how many visited the site, how many were marked bound, with the premium value you set on the goal. Run one agent per producer or per line of business and each has its own funnel, so you can see which producer's quotes are being chased to a close and which line's renewals respond to the text rather than the email.
An independent agency lives on two lists: the quotes that went out this month and the policies that renew next month. Both are worked when there is time, and there is never time, because the producers are on the phone with the people who did reply and the CSRs are handling the claim, the endorsement and the certificate that came in this morning. The quote from three weeks ago that got one follow-up call is still sitting there. The renewal reminders for August are going out in August. AI agents for insurance agencies exist to work both lists on the day, on every prospect and every policyholder, without anybody in the office finding the hour.
Bold Agent Kit gives an agency unlimited agents on one account. Most run one per producer, or one per line of business, so personal lines and commercial lines have different answers, different scripts and different mailboxes, and a producer's quotes are chased in the producer's name from the producer's own address. Each agent has a knowledge base you build from your own material: what you write, what a prospect needs to bring for a quote, how a claim gets started, how long a certificate takes, your hours, and the pages of your own site it may link to. It works every channel a prospect uses: the website chat widget, the mailbox, a text on your number, a call on your Twilio number answered in real time, and eleven social DM platforms. On all of them, it is the same agent.
It knows what it must not do. The instructions tell it, in your words, that it does not advise on what cover somebody needs, does not recommend a product or a carrier, does not quote a premium, and does not bind, endorse or cancel anything. When somebody asks "is this enough liability for my business?", it says a producer answers that, and offers a time from the connected calendar. A claim enquiry is one of the situations you name as a hand-over, so "I have had an accident" goes straight to a person with the agent standing down. It only says what you told it to say, and every reply is kept with the material it came from.
Whether your quote follow-up, your renewal wording and your text consent meet the insurance rules of the states you are licensed in and the TCPA, is the agency's responsibility, exactly as it is when a CSR sends the same text. The software gives you the controls, the sending windows, the stop word, the caps, and a record that shows they held. It is $25 a month for the whole account, unlimited agents, on an AI key you hold, with no per-message, per-minute or per-seat charge. The commission on what gets bound is yours.
The quoting is fine and the service is good. Four things happen between the quote and the binder, and none of them is about price.
The producer sends the quote, calls once two days later, leaves a voicemail, and moves on to the next one. The prospect meant to call back, then had a week. The fifth touch on day 14, the one that would have caught them at the right moment, never happens, because the producer is now quoting somebody else. The premium goes to whichever agency happened to call on the right day.
Every agency knows which policies renew in August. The reminders are a job for July, and July is when the CSRs are drowning. So the reminder goes out in the last week, the policyholder has already had a cheaper quote in the post, and the retention rate that should have been the agency's easiest number is a fight.
What do you need for a homeowners quote. Do you write commercial auto. How do I get a certificate. How do I start a claim. The answers never change, and they are typed out by hand, between the claim and the endorsement, by the person the phone is ringing for. Or the enquiry came in at 9pm on Messenger and nobody saw it until Tuesday.
The quote email is in one producer's sent folder, the follow-up text on their personal phone, the DM in the agency's Instagram, and the phone call in nobody's notes. When a prospect says the quote never arrived, or a policyholder says nobody told them the renewal was coming, there is no thread with timestamps to point at.
You build the agent once, from your own answers and your own scripts. From then on it works every quote and every renewal on the channels you connected, on its own, and hands a producer the ones that are ready to bind.
An email on day 1, a text on day 3, a call on day 7, a final email on day 14, in the producer's words, inside the hours you set. A renewal cohort gets its own sequence at 60, 30 and 7 days. Each step has its own delay and send condition, the whole plan shows on a review screen, and nothing leaves until you press Start. It stops the moment the person replies, books or opts out on any channel.
"What do you need from me?", "do you write this?", "how does a claim work?" and "how long does a certificate take?" are answered from the Q&A pairs, documents and data points you loaded, and it links only to the pages of your site you allowed. It is instructed not to advise on cover, recommend a product, quote a premium or bind anything, and what to say instead: a producer, at a time it offers from the calendar.
A rule in the instructions names what the agent must not handle: a claim, a request to bind, a coverage question, a cancellation, a complaint. When a reply matches, the thread lands in the inbox with the agent standing down on that conversation. Reply yourself and it stays down; hand the thread back when you are done and it picks up where you left it.
Every conversation on every channel ends up in one inbox: the quote follow-ups and their replies, the renewal texts, the website chats, the DMs, and the call transcripts and recordings, in one list, newest first, tagged with the channel it arrived on. Filter it to one producer's agent, one number or one mailbox when you are working one book. A claim enquiry that the agent handed over is there with the whole thread, so the CSR who picks it up knows what was asked and when.
Reply in any thread yourself and the agent stands down on that conversation, so it never talks over a producer who is binding the policy. Hand the thread back when you are finished. The agent replies once per thread, keeps to a daily cap per sender and hourly caps per number and mailbox, and ignores bounces, out-of-office replies and no-reply addresses. A STOP, an unsubscribe or an opt-out on any channel ends every sequence to that person on every channel and cancels anything queued.
Each one answers a problem above, and each one runs without a producer or a CSR remembering to do it.
Email, text, call, email again. The sequence runs to its end on every quote unless the prospect replies, books or opts out, and the producer only hears about the ones that answered. The fifth touch on day 14 goes out as reliably as the first.
The August cohort hears at the start of June, again at the start of July, and again a week out, in the words you wrote, from your own mailbox and number. Nobody in the office had to find the hour in July.
The 9pm question about what to bring for a quote is answered at 9pm, from your Q&A, on the channel it arrived on, and the appointment is booked into a producer's calendar while the prospect is still there. AI receptionist for insurance agents, without the hold music.
One row per person, every message, call, recording and reply in order, and the material each reply was written from. When the prospect says the quote never arrived, the thread is there.
Every send, reply, chat, call, booking and marked win is recorded against a person, and reported as a funnel per agent and across all agents. For an agency, per agent means per producer or per line of business.
The funnel counts people rather than messages: how many the agent reached, how many replied, how many went on to visit your site, and how many were marked bound, with the total value won and the median time from the quote to the binder. Set a goal with a dollar value on a quote follow-up campaign, the annual premium or the commission on it, and it reports what the sequence brought in. Do the same on a renewal campaign and you have a retention number for that cohort without building a report.
Below the funnel, a channel table shows where each person first made contact and which channel they were on when they were marked bound, so you learn whether it is the text on day 3 or the call on day 7 that gets a quote across the line, and whether policyholders respond to the renewal email or the renewal text. One row per person shows the whole history in order. With a one-line snippet on your site, a known prospect who returns to the quote page and leaves gets a follow-up after a delay you set, on the channel they last used.
Built from the cookie, email address and phone number attached to that contact, so activity months apart on different channels appears on one row.
Page goals and visit triggers require a one-line snippet on your website. Conversations, bookings and manually marking a deal won work without it.
Each of these is usually a separate tool, a separate service or a separate member of staff, and most of them are priced per contact, per message, per minute or per seat. Here they are one plan.
| The job | What it normally takes | Bold Agent Kit |
|---|---|---|
| Chasing every quote until it is bound or declined | A producer with a call list, or an appointment setter | Included, by email, text and call |
| Renewal reminders at 60, 30 and 7 days | A mail merge in July, or an add-on priced per policyholder | Included, as a campaign with stop rules |
| Answering enquiries in the evening and at weekends | An answering service, or the producer on their own phone | Included, from your own Q&A |
| Live chat on the website | A chat vendor, priced per conversation | Included |
| Text campaigns with consent, a window and a stop word | An SMS platform on top of your carrier | Included, you pay only your carrier |
| Booking the appointment with a producer | A booking link in the signature, and hoping | Included, the agent books the slot |
| A record of what each prospect was told | Sent folders, personal phones and memory | Included, each reply with its source |
| The AI itself | Metered per message, per minute or per credit | Your own key, billed by your provider at cost |
Bold Agent Kit is $25 a month, or $200 a year, for the whole account: every producer's agent, every line of business, every channel, no seat tiers and no per-message or per-minute charge. The only other costs are your AI provider's, typically a few dollars a month per agent, and your carrier's for texts and calls, which you would be paying anyway.
The same agent type covers all of these. Most agencies run one per producer or one per line of business, so each has its own mailbox, number, scripts and funnel.
The list of quotes that went out this month. Insurance lead follow-up is a sequence that runs on every one of them from the day the quote is sent: an email from the producer's address, a text on your number, a call on your Twilio number from the script you saved, and a final email, each sent only if the last one got no reply. The producer hears about the ones that answered, with the thread attached, and binds them.
The policies renewing next month, and the month after. Pull the cohort out of HubSpot or GoHighLevel as a segment, or upload a CSV from whatever holds the policies, and start the renewal campaign sixty days out, in the agency's voice. When a policyholder replies with a question about their renewal, it is answered from your Q&A or handed to a CSR, and when they reply "can we talk?", a producer's slot is booked.
An agency with four producers and two lines. Build one agent per producer, each with the producer's own mailbox and number, the producer's own scripts, and a calendar connection into the producer's own diary, so a quote is chased in the name of the person who wrote it and the appointment lands with them. Or one per line, so personal lines and commercial lines never answer with each other's process. AI for independent insurance agents, at no extra cost per agent.
Connect the tools you already run and the agent works them like an assistant would: it takes appointments straight into your calendar, writes notes and outcomes back to the CRM, and reads your store to see what somebody has bought before it answers them.
Bookings are real, not guesses. It is only ever given slots that are genuinely free, and it can only take one it actually offered — so it cannot invent a time or double-book you. The same connection pulls a segment of past customers into a list when you want to run a campaign at them.
HubSpot
GoHighLevel
Housecall Pro
ServiceTitan
Jobber
Google Calendar
Microsoft 365
Calendly
HubSpot Meetings
Zoho Bookings
Acuity
Cal.com
Square
Stripe
Shopify
WooCommerce
Wix
SquarespaceEach agent uses a model on your own API key, in the same way it sends from your own mailbox and your own phone number. Sixteen providers are supported: OpenAI, Anthropic, Gemini, xAI and Mistral; DeepSeek, GLM, Kimi, Qwen and MiniMax; Groq, Together, Fireworks and OpenRouter; and Ollama or any other OpenAI-compatible endpoint you host yourself.
Bring your own credentials and you own the whole stack: your model provider, your mailboxes, your carrier, your CRM. We charge for the software and nothing else — no token markup, no metering, no credit packs — so your provider bills you direct at their rates, usually a few dollars a month per agent.
OpenAI
Anthropic
Gemini
xAI
Mistral
DeepSeek
GLM
Kimi
Qwen
MiniMax
Groq
Together
Fireworks
OpenRouter
Ollama
Any OpenAI APIA new address sending forty cold emails a day gets filtered, and takes the domain with it. Mailboxes that opt into warm-up send each other ordinary mail on a ramp, starting at five a day. The receiving mailbox finds each message, moves it out of spam if it landed there, marks it read and replies to a share of them.
Each mailbox carries a health score out of 100 — SPF, DKIM and DMARC on the sending domain, seven days of real sends and bounces, and where its own warm-up mail is landing — with the reasons listed. A mailbox whose bounce rate or spam placement passes a threshold is pulled out of campaign rotation automatically, before it damages the domain.
Three steps. Inbound answering starts when you switch a channel on. A campaign is created as a draft and shows you the whole plan, every prospect and every step, before it sends anything.
Name it, choose a model and paste your API key. Then give it what it needs to answer a prospect without advising them: the lines you write and the carriers you represent as documents, Q&A pairs for what to bring for a quote, how a claim starts, how long a certificate takes and what happens at renewal, your hours and office address as data points, and the pages of your own site it may link to. Save the email, text and call templates for the quote follow-up and the renewal reminder.
Write the instructions last, and write the boundary first: it does not advise on what cover somebody needs, does not recommend a product or a carrier, does not quote a premium, and does not bind, endorse or cancel anything. Then the hand-overs: a claim, a request to bind, a cancellation, a complaint, and whatever else your compliance person names. Then build the next producer's agent, from a blank knowledge base.
Add the mailbox the agent sends and answers from, a number for texts and calls on one of nine carriers with Twilio for the calls, the chat snippet for your website, and the social accounts prospects actually message. Each one runs on your own account, so the rates and the reputation stay yours. Connect the producer's calendar so the agent books real slots into the right diary: Google Calendar, Microsoft 365, Calendly, HubSpot Meetings, Zoho Bookings, Acuity Scheduling, Cal.com or Square Appointments.
Connect HubSpot or GoHighLevel and the agent reads the stage a prospect is at before it answers, writes notes and outcomes back, and pulls the month's renewal cohort or the open quotes straight into a contact list. Or upload a CSV. Contacts and lists are unlimited.
Auto-reply is a separate switch per channel, and calls have separate switches for answering and dialling, so the agent can answer the website and the mailbox before it is allowed to text or dial anybody. For the quote follow-up and the renewals, build the sequence, set the days, hours and time zone it may send, tick the consent line on the text step, set the pace per number and mailbox, and read the whole plan on the review screen: every prospect, every step, every date. Nothing leaves until you press Start.
Then work the inbox. Replies are answered by the agent; claims, binding requests and coverage questions come to a person with the thread; a reply, a booking or an opt-out ends a sequence on every channel. Mark a quote bound and it drops out. Pause a campaign at any point and resume it later.
One account runs unlimited agents, one per client, and nothing is shared between them. A knowledge base belongs to a single agent, and content from one agent is never used to generate replies for another.
Invite a client by email address and they get their own login, which opens onto the one agent you gave them: its conversations, its numbers, its analytics and a reply box. They cannot see your other clients, your API keys, your settings or your billing. Access is deny-by-default.
No seat tiers, no credit packs, no per-agent or per-channel pricing, and nothing held back behind an enterprise call.
| Agents | |
|---|---|
| How many | Unlimited — one per business, brand or job |
| Shared brain | The same identity, instructions and knowledge on every channel |
| Knowledge base | Documents, Q&A pairs, data points and pages of your own site |
| Isolation | One agent's content is never used to reply for another |
| Client seats | Invite a client into one agent, with their own login |
| Channels | |
| As many mailboxes per agent as you connect, rotated by campaigns | |
| Text messages | Nine providers — Twilio, Telnyx, SimpleTexting, Plivo, Vonage, Sinch, Bandwidth, MessageBird, ClickSend |
| Phone calls | Answering and dialling, with recordings and transcripts |
| Transcription | Google, or Deepgram nova-3 on your own key |
| Voices | Google, Amazon Polly and ElevenLabs, or your own ElevenLabs / Fish Audio account |
| Voice cloning | Record a voice in the browser and clone it on your ElevenLabs or Fish Audio key |
| Website chat | A widget on your site with your colour, image and greeting |
| Social DMs | Messenger, Instagram, WhatsApp, Telegram, LINE, Viber, Slack, Discord, Bluesky, Reddit, X |
| Inbox | |
| One list | Every channel's conversations together, newest first, tagged by channel |
| Filters | By channel, by mailbox or number, or by agent |
| Takeover | Reply yourself and the agent stands down on that thread |
| Hand back | Return the thread to the agent when you are done |
| Campaigns | |
| Multichannel sequences | Email, text and call steps in one campaign, each with its own timing |
| Send conditions | Send a step only if they opened, did not open, clicked or did not click |
| Schedule | The days, hours and time zone anything may be sent |
| Stop rules | A reply, a booking or an opt-out on any channel ends the sequence |
| Pacing | Per-mailbox and per-number hourly limits, pausable and resumable |
| Review before start | The full plan is shown; a campaign sends nothing until you start it |
| Templates | Email, text and call scripts, saved once and reused |
| Analytics | |
| Funnel | Reached, replied, visited, converted, plus value won and time to convert |
| By channel | Where each person started, and the channel they converted on |
| Pages | Which pages known people read, and how many of them converted |
| Journeys | One row per person: every message, visit, call and booking in order |
| Goals | A page rule or a manual "won", each with a dollar value |
| Triggers | A known person returns to a page — notify you, or send a follow-up |
| Open and click tracking | Recorded per campaign and added to that person's history |
| Integrations | |
| Calendars | Google, Microsoft 365, Calendly, Cal.com, Acuity, Zoho, Square, HubSpot Meetings |
| CRMs and commerce | HubSpot, GoHighLevel, Housecall Pro, ServiceTitan, Jobber, Stripe, Shopify, WooCommerce, Wix, Squarespace |
| Booking | Real open slots offered, and only an offered slot can be booked |
| CRM import | Import a segment of customers into a contact list |
| Deliverability and compliance | |
| Mailbox warm-up | Ramped sending across the network, with spam rescue and replies |
| Health score | SPF, DKIM, DMARC, bounce rate and inbox placement, with reasons |
| Auto-rest | A failing address is removed from rotation automatically |
| Unsubscribes | One click, honoured automatically, including on queued mail |
| Reply limits | One reply per thread, per-sender daily and per-channel hourly caps |
| Filtering | Bounces, out-of-office and no-reply addresses ignored |
| List building | |
| Contact extraction | Emails, phone numbers and social profiles, on any site. Unlimited. |
| Deep scan | Follows the pages of a domain most likely to carry contact details |
| Domain queue | Load a CSV of sites and work through them one at a time |
| Contacts and lists | Unlimited, by email or phone, with CSV import and export |
| AI | |
| Your own key | Sixteen providers, including any OpenAI-compatible endpoint you host |
| What we charge for AI | Nothing — no markup, no metering, no credit packs |
| On calls | Uses your provider's fastest model automatically |
| Account | |
| Platforms | Chrome side panel and web dashboard on one login |
| Members' forum | Six boards, visible only once you are signed in |
| Referral program | $50 a year per referral ($5 a month), recurring for the life of the account |
| Support | support@boldagents.co |
Billed monthly. No add-ons, no seat tiers. Cancel anytime.
$16.67 a month, billed once a year. No add-ons, no seat tiers. Cancel anytime.
No, and the boundary is deliberate. The agent answers only from the knowledge base you give it: your lines, your process, what a prospect needs to bring, how a claim starts, your hours. Its instructions tell it, in your words, that it does not advise on what cover somebody needs, does not recommend a product or a carrier, does not quote a premium, and does not bind, endorse or cancel anything. When a prospect replies "yes, let's go ahead", the thread lands in the inbox with the agent standing down, and a producer binds it. Every reply the agent sent before that point is stored with the material it was written from.
As a campaign on the list of open quotes. Load them from a CSV or a segment from the connected CRM, and build the sequence: an email the day after the quote from the producer's own address, a text on day 3 from your own number, a call on day 7 on your Twilio number from the script you saved, and a final email on day 14. Each step is a template with the prospect's details filled in, each has its own delay, and a step can be sent only if the last one was opened, not opened, or clicked. The sequence stops the moment the prospect replies, books or opts out on any channel. A goal with the premium on it reports what the run bound.
Yes. Pull the policies renewing in a given month from HubSpot or GoHighLevel as a segment, or upload a CSV, and start the renewal campaign sixty days before that month's renewals, with the steps set to land at 60, 30 and 7 days out: an email, then a text, then a call or a second email, in the words you wrote, from the agency's own mailbox and number. Set the days, hours and time zone it may send, read the plan on the review screen, and press Start. A reply, a booking or an opt-out ends the sequence for that policyholder on every channel, and a question about the renewal is answered from your Q&A or handed to a CSR.
A claim enquiry is one of the situations you write into the agent's instructions as a hand-over. When a message matches, on any channel, the thread lands in the inbox with the agent standing down on that conversation, and the CSR who picks it up has the whole history. The agent can answer "how do I start a claim?" from the Q&A pair you wrote, with a link to the claims page on your own site, but "I have had an accident" goes to a person. If you would rather it never touched the subject at all, the instructions say so and it says a person will be in touch and asks for the best number.
Yes. Connect an agent to the website chat widget, the agency's mailbox, a phone number and the social accounts, load the knowledge base, and switch auto-reply on for each channel. It answers "what do you need for a homeowners quote?", "do you write commercial auto?" and "how long does a certificate take?" at any hour from your Q&A, asks for an email address when the conversation is worth keeping, and offers open slots from a producer's calendar and books the one the prospect picks. Calls on your Twilio number are answered in real time, transcribed and recorded. Anything outside its Q&A, and anything you named as a hand-over, waits in the inbox for the morning.
Yes. Connect Google Calendar, Microsoft 365, Calendly, HubSpot Meetings, Zoho Bookings, Acuity Scheduling, Cal.com or Square Appointments to the agent, and it is given the real open slots for the week ahead. It offers a few of them in the conversation, and when the prospect picks one, that choice is checked against the slots that were offered, written to the calendar, and confirmed in the reply. It cannot book a time that was not free and cannot cancel an appointment it was not shown. With one agent per producer, each agent books into its own producer's diary, so the appointment lands with the person who wrote the quote.
No software does, and we do not claim to. What you get is the set of controls a compliant agency runs on: a consent tick and a sending window with days, hours and time zone on every text step; the Reply STOP line, with a STOP honoured on every channel and anything queued cancelled; a one-click unsubscribe on every campaign email; one reply per thread with a daily cap per sender and hourly caps per number; templates you write, so the wording is yours; and a record of every touch with timestamps, transcripts and recordings. Whether your consent, your wording and your follow-up meet the TCPA and the rules of the states you are licensed in is the agency's responsibility, exactly as it is when a CSR sends the same text.
The same as for one. The plan is $25 a month or $200 a year for the whole account, with unlimited agents, so an agency builds one per producer, per line of business or per office at no extra cost, each with its own mailbox, number, scripts, calendar and funnel. There is no per-seat, per-agent, per-channel, per-message or per-minute charge. You hold the AI key with one of sixteen providers and your provider bills you at cost, usually a few dollars a month per agent, and you pay your own carrier for texts and calls. There is a seven-day free trial, and no percentage of any premium.
One subscription, unlimited agents. What changes is the knowledge base, the channels and the instructions.
Build one agent from what you already tell people, connect a mailbox and a number, load the open quotes, read the plan, press Start. Every quote is followed up, every renewal goes out on the day, and the commission is yours.
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