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AI agent for insurance agents

Insurance Quote Comparison Agent

A side-by-side comparison of true coverage with a recommendation matched to the client's needs

DecisionsSalesInsurance
See how it worksGet access
Insurance Quote Comparison Agent: what goes in, what the agent does and what you get

What it does

Two quotes with the same price can protect a client very differently. Limits, deductibles and exclusions hide in different places in each carrier's document. This agent collects the quotes and rewrites them in one grid: limits, deductibles, key coverages, exclusions and conditions. It compares each against the client's needs: the property, operations and loss history. It flags gaps such as a missing flood cover or a low liability limit. If key information is missing it asks the carrier and rechecks when the answer comes. The agent then drafts a recommendation with the trade-offs. The agent approves it before it goes to the client. Edge case: the cheapest quote excludes a cover the client's lender requires.

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.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Quotes received 2 USES A TOOL Read each quote and extract limits, deductibles,covers and exclusions 3 DOES Normalize all quotes into one comparison grid 4 DOES Compare each with the client's needs andrequirements 5 CHECKS THE RESULT Does every quote have complete information for eachkey item? If not: ask the carrier for the missing item and updatethe grid. Back to step 2. 6 DOES Flag gaps and rank the eligible quotes 7 DOES Draft a short recommendation with trade-offs 8 CHECKS THE RESULT Does the recommended quote meet every requiredcover? If not: drop it from the list and revise therecommendation. Back to step 6. 9 YOU APPROVE Agent approves the recommendation 10 RESULT Comparison and recommendation for the client
Read the steps as a list
  1. Quotes received
  2. Read each quote and extract limits, deductibles, covers and exclusions
  3. Normalize all quotes into one comparison grid
  4. Compare each with the client's needs and requirements
  5. Does every quote have complete information for each key item?If not: ask the carrier for the missing item and update the grid. Back to step 2.
  6. Flag gaps and rank the eligible quotes
  7. Draft a short recommendation with trade-offs
  8. Does the recommended quote meet every required cover?If not: drop it from the list and revise the recommendation. Back to step 6.
  9. Agent approves the recommendationThe agent waits here for your OK.
  10. Comparison and recommendation for the client

How it decides

A quote is eligible only if it meets required covers and limits. Eligible quotes are compared by price and gaps, with the best fit named.

  • Rule out any quote that misses a required cover
  • Treat lower liability limits as a gap, not a saving
  • Request missing data before comparing
  • Show premium and out-of-pocket exposure together

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Required covers
  • Comparison grid fields
  • Carrier list
  • Client needs template

What keeps you in control

It always asks you first

  • Agent approves the recommendation before it goes to the client
  • Agent approves any question to a carrier about the client

Hard limits

  • Never bind coverage
  • Do not present gaps as minor if required
  • Quote the policy text

It stops when

  • Done: client receives a comparison and decides
  • Stop: no quote meets the requirements and the agent seeks other carriers

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.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • 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
Get access to this agent

An example run

What happensThree quotes arrive for a small restaurant. Carrier A is $7,400 but excludes liquor liability, which the lease requires. Carrier B is $8,100 with a $500,000 liability limit against a $1M need. Carrier C is $8,700 and meets all. After Carrier B confirms a $1M option for $8,650, the agent ranks B and C. The agent approves B.

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