An insurance answering service run by AI agents
NuTalk's AI agent answers policyholder calls after hours, takes claim reports into a transcript and summary, answers policy questions on WhatsApp from your documents, and runs renewal and payment reminder campaigns.
NuTalk SMB $299 USD/mo on your agency's line · NuTalk Call Center from $599 USD/mo
What it does
What the AI agent handles
AI for insurance agents and agencies, built around the calls that fill your day. It works from your information and your intake questions, not a phone tree.
Claim reports
It asks your intake questions (date, place, what happened, the policy number) and keeps every answer in the call's transcript and summary.
Policy questions
On calls it answers from the information in its setup. On WhatsApp it also searches the documents you upload, such as your policy conditions.
Quote requests
It takes the caller's details and books a call with one of your agents in NuTalk business scheduling, synced with their Google Calendar or Outlook.
Renewals and reminders
Call campaigns with calling hours, retries by outcome, a WhatsApp template when nobody answers and a do-not-contact list.
How it works
What happens on a claim call
A policyholder calls after your office has closed to report an accident. Here's what the AI agent does.
It answers and asks your questions
The agent picks up in English or Spanish and asks the intake questions you wrote: date, place, what happened and the policy number.
It confirms the details
It repeats the key details so the caller can correct a wrong street or policy number before the call ends.
Your team follows up
Your team reads the transcript and summary and takes it from there. When evaluations are on for your plan (credits on pay as you go, confirmed for your package on NuTalk SMB and NuTalk Call Center), the call is scored against your goals within hours or overnight.
Before you call
Consent and calling rules
Outbound AI calls are regulated, and you decide who gets called. NuTalk applies your calling hours, retries and do-not-contact list; consent and the lists you upload are yours.
- United States: AI-voice calls to mobile numbers, business contacts included, and to home lines need prior express consent; marketing calls need it in writing.
- Mexico: check the REPEP registry before marketing calls to consumers.
- A contact marked do-not-contact is skipped in every campaign.
General information, not legal advice. Talk to your counsel before you launch.
Plans
Which plan fits your agency
Every plan takes claim calls and runs campaigns. What changes is the line the agent answers on and how many calls run at once; a carrier or an insurance call center usually needs several.
- Claim-report intake
- Renewal and reminder campaigns
- Scoring after the call, when evaluations are on
Pay as you go
Start free$0 / month · USD
Free credits to start, then minutes as you need them. The option if you only want a NuTalk number.
Included
A NuTalk number; calls use credits.
NuTalk SMB
Self-serve$299 / month · USD
Unlimited AI calls on your own line through the AiBox, one at a time; fair-use review above 5,000 min/mo per line.
Included
One agency line through the AiBox, one call at a time.
NuTalk Call Center
Sales-assistedFrom $599 / month · USD
Unlimited AI calls for campaigns, outbound and inbound; fair-use review above 5,000 min/mo per line.
Included
For carriers and large agencies with a phone system; the connection is set up with our team.
- AiBox installation for NuTalk SMB: $149 USD one time, quoted and billed separately.
- Connection to your PBX or phone system (SIP) or Zoom Phone is scoped and set up with our team.
- Simultaneous-call capacity, numbers, carrier usage and hardware are confirmed for your package. Fair use applies: we review usage above 5,000 minutes a month per line.
Limits
What it doesn't do
- It doesn't look up policies or claims in your systems unless you connect your own API to the agent.
- It doesn't file claims, assign adjusters, quote or bind coverage.
- It doesn't put a person on the line mid-call. Your team follows up from the recording, transcript and summary.
- On calls it answers from the information in its setup; uploaded documents are searched on WhatsApp and the web widget.
- It reads only campaign calls for an opt-out, not calls placed by hand or through the API.
FAQ
Questions from insurance agencies
What is an insurance answering service?
It's the service that picks up your agency's phone when your team can't, so policyholders reach someone after hours and on weekends. With NuTalk, an AI agent answers: it takes claim reports, answers general policy questions, takes quote requests and books a call with one of your agents. Each call leaves a recording, a transcript and a summary for your team.
Can it take a first notice of loss?
Yes. The agent asks the intake questions you write, such as the date, time and place, what happened, who was involved and the policy number, then repeats the key details so the caller can correct them. Your team gets the recording, transcript and summary and opens the claim; NuTalk doesn't file it for you.
Can it answer questions about a customer's policy?
General questions, yes. On calls it answers from the information in its setup, such as the lines of coverage you sell, your office hours, how to report a claim and how to pay. On WhatsApp it also searches the documents you upload, such as your policy conditions. It doesn't look up a specific customer's policy unless you connect your own API to the agent through its REST API actions.
Can it call customers about renewals and payments?
Yes, with a call campaign. Upload the list from a CSV, HubSpot or Kommo and write what the agent should say. NuTalk calls inside your calling hours, retries by outcome and skips anyone marked do-not-contact. When nobody answers, a WhatsApp template can follow, for example with a link to your payment page; Meta approves templates and charges its fees. The agent doesn't take payments on the call. In the US, AI-voice calls to mobile numbers, business contacts included, and to home lines need prior express consent, and marketing calls need it in writing; in Mexico, check the REPEP registry before marketing calls to consumers. This is general information, not legal advice.
Does it work for independent agents?
Yes. On NuTalk SMB, the AiBox connects your agency's compatible analog landline, so you keep your number, and the AI agent answers it for $299 USD a month: unlimited AI calls, one call at a time per line. The AiBox installation, $149 USD one time, is quoted and billed separately. Fair use applies: we review usage above 5,000 minutes a month per line. If you'd rather not use your landline, start free on pay as you go with a NuTalk number, which has a monthly price and uses credits for calls.
Can a caller reach a person?
Not during the call: the agent doesn't hand a live call to a person. It takes the caller's details, and your team follows up from the recording, transcript and summary. On WhatsApp, your team can take over the chat from the inbox whenever it wants.
How much does it cost?
It depends on the line the agent answers on. Pay as you go starts free, and you buy minutes as you need them; it's the option if you only want a NuTalk phone number. NuTalk SMB is $299 USD a month for unlimited AI calls on your own local phone line through the AiBox, one call at a time per line; you order it online from your dashboard, and the AiBox installation, $149 USD one time, is quoted and billed separately. NuTalk Call Center, from $599 USD a month and sold through our sales team, covers unlimited AI calls for campaigns, outbound and inbound, on your own PBX or phone system, with no AiBox. Connection to your PBX or phone system (SIP) or Zoom Phone is scoped and set up with our team. Fair use applies: we review usage above 5,000 minutes a month per line.
Answer claim calls after hours
Start free and write your intake questions, or talk to sales about your agency's line and your renewal campaigns.