AI Agents for Property & Casualty Insurance Qualification and FNOL

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"At Kin, we focus on how we can leverage each technology to its fullest potential to enhance the customer experience. Regal stood out because we found that it shared the same commitment."

Austin Ewell
Senior Analyst

Trusted by Insurance Leaders

Why regal for Property & Casualty Insurance?

GET EVERY LEAD TO A BOUND POLICY

Regal orchestrates calls, texts, and emails across the full quote-to-bind journey, so every lead gets reached before it goes cold. No leads stuck in a queue waiting on agent bandwidth.

Set the cadence and channel mix once in Journey Builder, then let AI agents handle follow-through to binding. Faster time to bind, no lead falling through the cracks.

FROM FNOL TO RESOLUTION

Handle the entire policyholder journey, from FNOL intake to field adjuster dispatch, all within Regal. No webhooks between disparate systems just to route a claims call or dispatch a response team.

That same speed lets you deploy first-level qualification flows to filter high-volume claims and lead traffic, then expand into new use cases without added headcount.

DEEP INTEGRATIONS, BUILT-IN COMPLIANCE

Regal connects directly to your policy administration and claims management systems of record, including platforms like BriteCore, so policyholder data and call metrics sync without manual exports. Every integration runs on PCI- and HIPAA-compliant infrastructure, so your claims and servicing teams can dial and report through one platform with security built in.

In Numbers

With Regal, Kin Insurance handles policyholder qualification, with high customer satisfaction.

95%
Customer Satisfaction
0 SEC
Response Times
3X
Shorter Handle Time Per Call

USE CASES

From the first lead to a past-due payment, Regal's AI agents handle the full range of borrower conversations. Below are four real use cases, the scripts they run, and the exact journey logic behind each one.

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Qualify New
Policyholder Leads
Policy Update
Outreach
Renewal & Billing
Outreach
End-to-End FNOL
Follow-Up

QUALIFY NEW LENDING PROSPECTS

Follow up with new leads, gather the details needed to qualify and price the policy, and route to a specialist when it's ready to close.
Example: A prospect submits a quote request through the website, and the agent calls to qualify the property before handing off for a final quote.

Trigger Lead created New lead in Salesforce Conditional match Refi Intent Check Skip this journey Already engaged on refi Do not call Route to email only Conditional match DNC Check Action Warm Transfer To loan officer, with context Wait 1 minute NO YES YES YES NO NO Send SMS Send Confirmation Text Recaps call + officer intro Conditional match Interest in Proceeding? Send SMS Thank you Text Provide number and survey Call Task AI Agent: Qualifies Lower payment, cash out, or both?
Trigger Lead created New lead in Salesforce Wait 1 minute Conditional match Refi Intent Check Skip this journey Already engaged on refi Do not call Route to email only YES YES NO NO Conditional match DNC Check Call Task AI Agent: Qualifies Lower payment, cash out, or both?
Action Warm Transfer To loan officer, with context Conditional match Interested in Proceeding? YES NO Send SMS Send Confirmation Text Recaps call + officer intro Send SMS Thank you Text Provide number and survey

Leverage Customer
Attributes for Outreach

When a CRM trigger flags a life change, like a new vehicle purchase, proactively reach out to update the policyholder's coverage and process the change without waiting for them to call in.
Example: A policyholder recently financed a new car, and the agent calls to confirm coverage details and add the vehicle to their existing auto policy.

A/B test Proactive Rate SMS 2 variants, 50/50 Send SMS Variant A Lead with rate offer Captured context Est. equity: $250K Rate: 6.95% Send SMS Variant B Credit score congratulations Send SMS Send Close-Out Text Thanks contact, offers opt-out AI Decision ALREADY APPLIED INTERESTED NOT INTERESTED Action Warm Transfer To loan officer, with context Send SMS Follow-Up Confirmation Confirms call + next steps Trigger Contact attribute changed Interest rate = 6.95% Home equity / HELOC Filter: Vertical: Call Task AI Agent: Equity Qualification Home value vs. balance owed
INTERESTED ALREADY APPLIED NOT INTERESTED Trigger Contact attribute changed Interest rate = 6.95% Home equity / HELOC Filter: Vertical: Send SMS Variant A Lead with rate offer Send SMS Variant B Credit score congratulations AI Decision Send SMS Send Close-Out Text Thanks contact, offers opt-out Call Task AI Agent: Equity Qualification Home value vs. balance owed Captured context Est. equity: $250K Rate: 6.95% A/B test Proactive Rate SMS 2 variants, 50/50
Action Warm Transfer To loan officer, with context Send SMS Follow-Up Confirmation Confirms call + next steps

Re-engage Aged Leads

Proactively reach out ahead of a policy renewal to flag a premium change, confirm payment details, and offer to connect the policyholder with a specialist if they want to adjust coverage.
Example: A policyholder's bundled home and auto policy is renewing with a rate increase, and the agent calls ahead of the renewal date to explain the change and confirm payment details.

Captured context Interested, no changes in finances Trigger Dynamic Segment Pre-approval expires ≤ 14 days Mortgage pre-approval Filter: Vertical: Do not call Route to email only No renewal interest No further action taken Conditional match DNC Check Action Warm Transfer To loan officer, with context Action Update Contact on Reclu PATCH to CRM: 
High-intent contact, started pre-approval Action Webhook: Email Renewal Forms Send renewal paperwork via Docusign API NO YES YES NO Conditional match Interest in Renewing? Call Task AI Agent: Re-engagement Checks: still looking? Finances changed?
Trigger Dynamic Segment Pre-approval expires ≤ 14 days Mortgage pre-approval Filter: Vertical: Conditional match DNC Check Call Task AI Agent: Re-engagement Checks: still looking? Finances changed? NO YES Do not call Route to email only
NO YES Action Warm Transfer To loan officer, with context Captured context Interested, no changes in finances No renewal Interest No further action taken Conditional match Interest in Renewing? Action Update Contact on Reclu PATCH to CRM: 
High-intent contact, started pre-approval Action Webhook: Email Renewal Forms Send renewal paperwork via Docusign API

Recover Outstanding Payments

Follow up when a claim is started online but left incomplete, gather the missing liability and incident details, and finish filing it without a human agent.
Example: A customer starts a claim through the mobile app after a collision but doesn't finish the form, and the agent calls to complete the first notice of loss.

Send SMS Send Confirmation Text Confirms: $142 on 1st & 15th Trigger Dynamic Segment Due Date passed, balance > $0 Filter: Do not call Route to email only Conditional match DNC Check Action Update Contact Logs plan: $142 x2, no fees Action Webhook: Payment Schedule POST to billing platform: 2 installments NO YES YES NO Conditional match Plan Accepted? Call Task AI Agent: Collection Negotiation Negotiates a payment plan Action Warm Transfer To collections specialist, with context
Trigger Dynamic Segment Pre-approval expires ≤ 14 days Mortgage pre-approval Filter: Vertical: Conditional match DNC Check Call Task AI Agent: Collection Negotiation Negotiates a payment plan NO YES Do not call Route to email only
YES NO Conditional match Plan Accepted? Action Warm Transfer To collections specialist, with context Action Update Contact Logs plan: $142 x2, no fees Action Webhook: Payment Schedule POST to billing platform: 2 installments Send SMS Send Confirmation Text Confirms: $142 on 1st & 15th

Platform Capabilities

Convert intent into action

Remove friction in conversations that matter most.  AI agents handle complexity, navigating multi-step workflows, responding naturally, and guiding customers towards decisions.

Personalize Conversations

Design AI agents that represent your brand, with control over tone, persona, and interruption handling. Customer data drives dynamic responses before, during, and after every call.

Multi-Channel Orchestration

Rooted in years of voice-first innovation, Regal’s AI Agents speak 30+ languages. Build once and deploy across calls, SMS, and chat with unlimited capacity, availability, and scalability.

Native CCaaS Platform

Orchestrate AI and human calls in a centralized interface with built-in IVR and routing, then optimize with A/B testing, Branded Caller ID, and suggested improvements.

Conversation Memory

With a Unified Customer Profile, every caller interaction picks up where the last left off: prior hardships, promises to pay, escalation history.

Compliance by Default

FDCPA, TCPA, CFPB, HIPAA, SOC 2, PCI, GDPR coverage built in, not bolted on. Includes real-time regulatory audit against 100% of interactions.

we work with your tech stack

See some of our 40+ integrations with CCaaS, CRMs and more, as well as intuitive APIs and webhooks to connect to any solution you need.
View Our Integrations
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Enterprise-Grade Security

Regal meets enterprise data and privacy standards you can trust.

Round silver badge with text 'AICPA SOC' indicating compliance or certification.GDPR text surrounded by a circle of twelve stars representing the European Union.Circular badge with California state outline, a padlock icon, and the text CCPA surrounded by 'California Consumer Privacy Act'.

Our agreements with LLM partners prevent them from training on your data or storing your data.

Treat your customers like royalty

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By clicking “Get a Call,” I agree to receive marketing calls and texts, including from a pre-recorded voice and an artificial voice, from an automated telephone dialing system. Consent to receive such calls or messages is not a condition of using our services. To opt out, reply STOP.

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