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AI agent for accounts receivable specialists

Premium Payment Arrangement Agent

Prevent unexpected lapses through timely, clear payment help

CommunicationCustomer supportInsurance
See how it worksGet access
Premium Payment Arrangement Agent: what goes in, what the agent does and what you get

What it does

Missed premium payments can lead to lapsed coverage, which hurts the customer and the agency. Each day this agent lists policies with a missed or failed payment. It checks the grace period rules for that policy and state and how many days remain. It drafts a reminder with the amount, the deadline and payment options, including payment plans the customer qualifies for. After each reminder, it checks whether payment arrived. If not, it moves to the next step: a second reminder, then a call task near the end of the grace period. The representative approves every message and any payment plan. Edge case: a failed card payment that was retried successfully is cleared before any message goes out, so customers are not chased for money they already paid.

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
ApprovedYes, continueNo 1 STARTS WHEN Daily billing check 2 USES A TOOL List missed and failed payments 3 DOES Clear payments that succeeded on retry 4 DOES Work out grace days and qualifying plans 5 USES A TOOL Draft reminder with options 6 YOU APPROVE Representative approves the reminder or plan 7 CHECKS THE RESULT Has payment arrived before the next step date? If not: move to the next reminder step or a call task.Back to step 5. 8 RESULT Account current or lapse notice logged
Read the steps as a list
  1. Daily billing check
  2. List missed and failed payments
  3. Clear payments that succeeded on retry
  4. Work out grace days and qualifying plans
  5. Draft reminder with options
  6. Representative approves the reminder or planThe agent waits here for your OK.
  7. Has payment arrived before the next step date?If not: move to the next reminder step or a call task. Back to step 5.
  8. Account current or lapse notice logged

How it decides

It times reminders by days left in the grace period and offers plans the customer qualifies for.

  • Call task at 5 days left in grace
  • Offer only plans the customer qualifies for
  • Do not message if retry succeeded

Make it yours

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

  • Reminder steps and timing
  • Channels used
  • Payment plan rules
  • Call threshold

What keeps you in control

It always asks you first

  • Reminders
  • Payment plans

Hard limits

  • Never takes payment details
  • Never waives premiums

It stops when

  • Done: payment received
  • Stop: grace period ended, lapse process starts

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 happensOn October 1, 64 policies showed missed payments, and 9 cleared on retry. One customer with 12 grace days left got an approved reminder. Five days later no payment had arrived, so the check failed and a second reminder went out. At 5 days left the agent created a call task. The customer agreed to a two-part plan, which the representative approved.

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