Insurance service on WhatsApp, from claim to renewal
Your customer crashes on a Sunday night and can't wait until Monday. An AI agent replies right away on WhatsApp: it sends their policy as a PDF, builds the claim report and alerts your team with the complete case.
Amibaonline
What's costing you time and customers today
Claims after hours
Crashes, thefts and water leaks don't give notice. The customer writes at eleven at night and there's nobody on the other end to tell them what to do.
Your team repeats the same answers
What does my policy cover, how long am I covered, what documents do I need. Questions that already have a written answer and still eat up hours of your team's time.
Quotes that go cold
The prospect asks for a price, someone promises to get back to them and the proposal goes out days later. By then they've already gotten a quote somewhere else.
Missed installments and lapsed policies
Payment reminders and renewals depend on someone remembering. By the time the customer finds out their policy has expired, it's too late for everyone.
Four fronts the agent covers on its own
First response on claims
It handles the most critical moment in insurance: it replies instantly, gathers everything and leaves the case ready for your claims handler.
- Replies instantly at any hour, including weekends and holidays
- Guides the customer step by step on what to do and which photos to take
- Sends their policy as a PDF so they know what it covers
- Builds the claim report with a form inside the chat
- Receives photos and documents of the incident and attaches them to the case
- Hands the case to the claims handler with the full history
Policy and coverage questions
It answers with the real documents for each policy, and anything that isn't written down goes to a person.
- Explains what is and isn't covered according to the policy's actual terms
- Sends the policy, certificate or proof of coverage as a PDF in the chat
- Clarifies effective dates, deductibles and exclusions in plain language
- Checks the policy status in your system and reports it
- Hands off to a human advisor when the question goes beyond what's written
Quotes for new policies
Turns interest into a complete request before the prospect goes cold.
- Asks the right questions for the line of business: vehicle, use, age, coverage wanted
- Gathers the details and documents the quoting team needs
- Presents the available plans with their coverage
- Builds the quote request and loads it into your CRM
- Follows up if the prospect stops responding
- Hands off to the broker with a qualified prospect and the full history
Renewals and installment collections
Prevents lapsed policies: it gives notice in time, sends the payment link in the chat and leaves the payment recorded.
- Gives notice before each installment is due
- Sends the installment payment link in the chat
- Sends the payment receipt as a PDF
- Reminds the customer about the renewal before the policy expires
- Records the payment in your management system
- Hands off to collections the cases that need a person
Message Aseguradora Norte as if you were a customer.
Aseguradora Norte is a demo business with its own website and agent. Send it a WhatsApp message and see how it replies.
InsurerQuotes and routes claims.
These are fictional businesses, and they chat in Spanish: nothing is charged or delivered. Amiba's WhatsApp number replies.
Works with what you already use
The agent checks and updates policies, claims and collections in your system via API, in real time and without migrating anything.
Common questions in insurance and brokers
What does the agent do if a policyholder reports a claim in the early hours of a Sunday?
It takes the report instantly on WhatsApp, reassures the policyholder, asks for the details and photos your protocol requires and logs the case for your team to pick up. What it doesn't do is decide on the claim: it doesn't approve or deny coverage, estimate amounts or make commitments on behalf of the insurer. If the case is sensitive or the policyholder asks, it hands the conversation to a person on your team with the full history.
Can the agent quote a policy directly in the chat?
Yes. When the product has a defined rate, like auto insurance with a rate table loaded, the agent quotes, sells and sends the payment link in the same conversation. It only uses the rates and terms you defined, and never improvises a price. For risks that need an underwriter's assessment, it collects the customer's details and leaves the quote request ready for your team.
Where does it get information about coverage and exclusions? I'm worried it will make something up.
The agent only answers with your documents and business information: the policy terms, coverage, exclusions and rates you load. If the customer asks something that isn't in that base, it says so and hands off to a person instead of making up an answer. It can also check policy data in your management system, because it integrates via API with Odoo, Zoho and other ERPs and CRMs.
Can it send policy expiration notices and collect installments?
Yes. The agent handles renewals and installment collections on WhatsApp with Meta's official API, and the customer gets the payment link in the same chat. It takes the expiration dates from your system via API, gives notice before the policy expires and follows up on pending installments. If the customer wants to renegotiate terms or discuss their coverage, that's when your team steps in, with the full chat in view.
In insurance I can't afford wrong answers. How do I control what the agent tells my policyholders?
You get full traceability: every conversation is logged and your team can review at any time what the agent answered and to whom. On top of that, the agent only uses the information you approved and loaded, and when it doesn't have the answer it hands off to a person with the history instead of risking an interpretation. That gives you control over your sales message without supervising every chat live.
See it working
with a case from your business
Book a 30-minute demo and we'll show you the agent handling a real case in insurance and brokers.
- 1
Discovery
30 minutes to understand your operation and choose what to automate first.
- 2
Setup
We load your information, build the agents and connect your system. On your side, someone who knows the business.
- 3
Go live
It goes into production in weeks and we fine-tune it with real conversations. Our team in Asunción supports you.
Times shown in Asunción, Paraguay time (GMT-3).