Winner CES 2026 · ISE 2026 · TMCnet 2026

AI Phone for Insurance Agencies. The insurance agency answering service that never closes

AI Phone is an insurance agency answering service that picks up your line on the first ring, at 8 AM or at midnight, in the caller's language. It tells shoppers from clients, takes the quote intake your producers ask for, records claim details with your script and transfers coverage questions to a licensed person, saying who is calling and why before the call connects.

TRY AI PHONE FREENo credit card · Ready in 2 minutes

Ready to buy? See plans & pricing ›

7 days free · per company, never per seat · nothing to install

Or call +1 (954) 736-3939 and hear it answer.

Zanus AI · AI Phone · Forwarded calls

Insurance agency answering service: calls the AI handed to a person, announced first, pickup time kept, real screen

Forwarded calls

When a caller needs a licensed person, the AI announces who is calling and why; the colleague takes the call and the pickup time is kept here.

Easy setupSet up everything just by talking to Lisa AISee how ›

You“Coverage questions go to the client's account manager; after 6 PM, give claim callers their carrier's line.”

Lisa“Coverage questions will transfer to each client's account manager, and after 6 PM claim callers will hear their carrier's claims line from your list. Apply?”

You talk. Lisa sets it up. Applied only on your yes.

How Insurance Agencies use it

A client who bought a pickup on the way home calls at 7 PM; the AI takes the VIN and files the change for morning.

A roofer's bookkeeper needs a certificate for a new general contractor by Friday, and the AI takes the holder's name, address and wording.

A caller asks whether hail damage to her roof is covered, and the AI announces her to her account manager instead of answering.

REAL AI - the whole Front Office is AI, not old software with an AI button.

What’s included

Keep your number: forward your existing line to your Front Office line and the AI answers immediately, no porting needed. Port the number in when you decide; we handle it with the carrier
A local number in your area, or your own number ported in
Answers on the first ring, 24/7, 365; your business hours only decide when people are reachable
Human-like voice: you choose the voice and the persona per function, greeting, sales, support, booking, callbacks
Receptionist style, no phone menu: the caller just talks in any of 40 languages; the AI detects the language on the first sentence and switches the whole call
Departments you define, sales, support, booking, billing, technical…, each with its own policy: AI first, operator first, or AI only; each with its own AI specialist when no human is free
Directory of your operators with per-day working hours, languages, the nicknames callers use, vacations and temp-worker expiry
Transfers announce the caller and the reason; your person accepts before the call is connected; the call is pulled back before a mobile voicemail can swallow it
Language routing: a Spanish-speaking caller reaches your Spanish-speaking operator first
Hold music with spoken updates; when a person is unavailable the AI says the honest line you wrote for that time of day
Takes messages with the callback number read back and confirmed, delivered to that person's own inbox
Books appointments live from your calendar during the call; captures the e-mail letter by letter; saves the lead
Every fact from your approved knowledge, prices only from your catalog; with no source it says so and offers a person
Robocalls and telemarketers get one polite goodbye and stay away from your team
Off hours your way: full AI service, take-a-message only, or voicemail; holidays and special closures with the message you write
Every call transcribed into the customer's record with a summary; call log with transcripts, exportable; the morning briefing reads it for you

Available on its own or inside a solution · See pricing › · Per company, never per seat.

Everything AI Phone does, for every business ›

Works withAI Booking AI Calls Teleprompter AI Calls Transcripts AI Quoting AI Tickets AI Returns & Warranty AI CRM Lisa, your AI assistant

On every call

What an insurance agency answering service should finish on the call

Quote intake, complete

Drivers, vehicles, the home's age and roof, a business's operations and payroll, the current carrier and its expiration date: asked in the caller's words, filed for the producer and followed by appointment scheduling for the quote call.

Policy changes

A new driver, a vehicle swap, a lender after a refinance or a new address is taken whole and opened as a request for the account manager, with the call attached.

Claim details

The date, the place and what happened, taken with your claim script; the carrier's claims line from your approved list; everything filed for your claims person by morning.

Billing questions

Where to pay, which of the insurance companies you represent bills which policy and how its payment plans work: everyday customer service answered from your approved information, with anything about a lapse handed to a person.

After hours

After-hours answering service for insurance agencies

An insurance answering service that keeps working after business hours on the rules your agency set, with inbound calls picked up on the first ring.

Your rule per department

Outside office hours choose the call answering of each department, full AI service, messages only or voicemail, and write the holiday message policyholders hear when the agency is closed.

The on-call producer

For the calls your rule says cannot wait, the on-call person's mobile rings in the order they chose, and the AI tells them who is calling and why first.

The morning briefing

Your team opens the day with what came in overnight: the claim details taken, the changes requested and the shoppers who left their numbers.

The agency's day

AI voice agents for insurance, in three agency moments

Storm morning

Hail hit the north side overnight. The AI answers every policyholder who calls, with no queue, gives each one the right carrier's claims line and says when the account manager will call back.

Renewal season

A client asks why her home premium rose. The AI never explains a rate; it books a review with her producer and leaves him a note on why she called.

A shopper at 9 PM

A family moving next month calls three agencies after dinner. Yours answers, so you never miss the shopper, takes the new address and move-in date and books a quote call for the morning.

Compared

Insurance agency AI answering service or a live call center?

On the agency line	Voicemail	A live answering service	AI Phone
A call at 9 PM	Heard the next morning	A message from a script	Answered: and the quote call booked
Quote details	None	Name and number	Your producer's questions: asked and filed on the record
A claim report	A voice message	A form read aloud	Your claim script: with the carrier's claims line from your list
Coverage questions	Waiting on the tape	Noted for a callback	Sent to a licensed person: announced with the reason first
What you can read later	The recording	A message slip	Transcript and summary: on the client's record

Every language

Bilingual answering service for insurance agents and beyond

The caller's own language

The AI answers in the language the caller speaks, so a family that speaks Spanish or Vietnamese reports a loss or makes a quote request without waiting for the one bilingual CSR.

Routed by language

Each department can send a caller first to the person on your team who speaks the caller's language, and the AI answers itself when that person is busy.

On the client's record

Every call is written on the policyholder's record with its transcript and summary, so the producer who calls back knows what was asked and promised.

Set-up

An insurance agency answering service, ready in 2 minutes

Lisa reads your website

She reads your lines, carriers and office pages and asks your hours, who writes commercial, who handles personal lines service and where claim calls should go.

Forward your number

Calls to the number on your policies, cards and website reach the AI from the moment you forward it, with no porting and no new phone system.

Write your claim script

Tell Lisa what a caller reporting a loss must be asked and told, and which carrier claims lines she may give; she reads it back before applying.

Seven days free

Run AI Phone on your agency's own calls with no credit card and read the transcript of every call it answered before the week ends.

Questions & answers

Frequently asked questions about an insurance agency answering service

What is an insurance agency answering service?

A service that answers an agency's calls when the staff cannot, takes the details and passes them on. AI Phone does it as an AI receptionist on your own number, with 24/7 availability: it answers from your approved information, takes quote requests and the first notice of loss, books reviews and transfers the calls that need a licensed person.

Can an AI answering service take insurance quote intake over the phone?

Yes. The AI asks what your producers need before they can quote: drivers and vehicles, the home and its roof, the business and its payroll, the current carrier and the expiration date. It files the answers on the prospect's record and books the quote call; your producer runs the carriers and presents the options.

Will the AI tell a caller whether a claim is covered?

No. It never says whether a loss is covered or whether a policyholder should file. It takes the facts with your claim script, gives the carrier's claims number from your approved list and transfers the coverage question to a licensed person, or takes a message with the callback number read back.

Can we keep our agency phone number?

Yes. Forward the number your clients already know to your Front Office line and the AI answers from that moment, with no porting. Each department can be AI first, your people first or AI only, so CSRs take calls by day while the AI covers lunch, overflow and nights.

What does the AI do after hours and on holidays?

Each agency department gets its own after-hours rule, from full AI service to messages or voicemail. On a holiday or an office closure the caller hears the message your agency wrote for that day, and the morning briefing tells your team what came in overnight.

How is an AI answering service for insurance agents different from a live one?

Live answering services for insurance agencies usually read a script, take a message and leave the work for morning. The AI answers from your approved information, finishes the intake on the call, books the review and writes a transcript and summary of every call onto the client's record, with no hold queue when call volume peaks on a storm morning.

Where do the call notes go if we use an agency management system?

Onto the client's record in Zanus AI, with the transcript and the summary. Your agency management system stays your system of record for policies and documents, so your CSR enters what a policy change needs there, with the call notes open beside it.

How are calls transferred to a licensed producer?

Transfers ring your producer on the computer, the phone app or a mobile, in the order each person chooses. The AI tells the producer who is calling and why before the call connects, and when nobody is free it takes a message with the callback number read back digit by digit.

Can the AI route calls by line of business and language?

Yes. You set up departments such as new quotes, policy service, billing, claims and commercial lines, each with its own AI voice. The AI routes by the reason the caller gives and by language, and one department hands a caller to another the way colleagues at the agency do.

Does every agency call get written down?

Yes. Every call the AI answers is saved with its transcript, summary and outcome on the client's record, lead capture runs on every call so new callers are saved as leads, and a manager can follow a live call. Brief me turns a policyholder's story into one page before an account manager calls back.

How much does an insurance agency answering service cost with Zanus AI?

AI Phone is priced per company, never per seat or per producer, so the whole agency shares one subscription. The plans are on the pricing page, and you can run it free for 7 days on your own agency line with no credit card.

Keep exploring

Where next?

Start with the one thing you need. Add more anytime by asking Lisa.
AI Front Office for Insurance Agencies ›

Award-winning AI

Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.