AI agent for insurance agency managers
Cross-Sell Opportunity Review Agent
Offer clients the cover they are likely missing, without pushing those who say no.
What it does
A client with a home policy might need umbrella, cyber or flood cover, and they often do not know. The agency does not review because nobody has time to read thousands of files. This agent reads client files, finds missing lines based on the client's profile (business type, assets, location), and scores the opportunity by need and likely value. For high scores it drafts outreach that explains the gap in plain words. It tracks replies, stops contact for clients who decline, and follows up only if the client shows interest. The manager approves every message. Edge case: a client with an open claim or complaint is skipped until it closes.
How it works
Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.
Read the steps as a list
- Monthly cross-sell review begins
- Read client files and current policies
- Match each client's profile to the lines they should have
- Score each gap by exposure and fit
- Is the client eligible, with no open claim, complaint or decline?If not: Remove the client from this round. Back to step 3.
- Draft outreach for top scores
- Manager approves each messageThe agent waits here for your OK.
- Track replies and update the file
- Did the client respond or decline?If not: If no reply after 14 days send one follow-up, then stop. Back to step 6.
- Opportunity report and client status
How it decides
Scores each gap by exposure and client fit, contacts only the top scores, and stops when a client declines or ignores two messages.
- Contact only clients with a score above 70 out of 100
- No contact for open claims or complaints
- Two messages with no reply ends the sequence
- A declined line is not offered again for 12 months
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Score threshold (default 70)
- Lines to review
- Follow-up wait (default 14 days)
- Suppression rules
- Decline memory (default 12 months)
What keeps you in control
It always asks you first
- Every outreach message
- Any quote request to a carrier
- Any change in contact rules
Hard limits
- Never contact a client without approval
- Never claim a client needs a product without file evidence
It stops when
- Done: all top opportunities contacted and answered
- Stop: client declines
- Stop: client asks for no contact
Set it up
We guide you through the set-up, step by step
Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.
- One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
- The agent then walks you through connecting your own data, one source at a time
- A downloadable copy with the flow chart, the rules and the full guide
