Vibrium for Insurance
Transform the entire insurance lifecycle—from lead generation and policy onboarding to renewals, claims, and advisor enablement—with AI that delivers measurable outcomes while ensuring IRDAI compliance and audit-ready operations.
TRUSTED IMPACT
"Trusted by leading health insurance companies, life insurers, and InsureTech platforms. Proven to boost renewal rates by 20%+ within 3 months."
The Insurance Persistency Crisis
Renewal Rates Are Falling
Renewals represent 85% of insurance revenue, yet persistency rates continue to decline. Manual outreach is inconsistent, language barriers limit reach, and customers forget renewal dates—leading to policy lapses that cost insurers billions in lost revenue and lifetime customer value.
Agent Productivity Is Stagnant
Insurance advisors and POSPs (Point of Sales Persons) spend 60-70% of their time on administrative tasks—lead follow-ups, documentation, policy servicing, renewal reminders—instead of selling. Agent attrition remains high, onboarding is slow, and productivity per advisor has plateaued.
Claims Processing Bottlenecks
First Notice of Loss (FNOL) capture is manual and error-prone, document submission is fragmented across channels, and status updates require customers to call repeatedly. Claims resolution times stretch weeks, creating friction and eroding customer trust at the most critical moment.
Measurable Business Impact
Meet Your Insurance Digital Workers
Ayra
Insurance Advisor & Renewal Specialist
Ayra is India's first AI-powered insurance advisor who handles the full policy lifecycle—from lead qualification and quote comparison to renewals, claims FNOL capture, and intelligent cross-sell.
Key Capabilities
- Qualifies inbound leads, captures intent, routes high-value prospects
- Explains policies, compares coverage, generates real-time quotes
- Recalculates premiums dynamically for add-ons (Zero Dep, etc.)
- Proactive renewal reminders with instant payment links
- Captures FNOL details and provides claim status updates
Sanvi
Claims Concierge
Sanvi specializes in end-to-end claims management—from FNOL capture and document verification to adjuster assignment, status updates, and settlement confirmation.
Key Capabilities
- Captures claim details with empathetic, patient-first conversations
- Guides policyholders through document requirements (bills, photos)
- Provides proactive status updates at each milestone
- Detects potential fraud signals and escalates when needed
Advisor Assist
AI Co-Pilot for Agents
An AI co-pilot that automates routine tasks, accelerates onboarding, and empowers insurance advisors and POSPs to focus on selling instead of administrative work.
Key Capabilities
- Assigns warm leads, prioritizes follow-ups, automates scheduling
- Voice-guided onboarding for advisor enrollment & verification
- Interactive training modules and compliance updates
- Real-time performance dashboards and gamified incentives
Comprehensive Use Cases Across the Insurance Lifecycle
Acquisition & Lead Management
Onboarding & Policy Activation
Servicing & Customer Support
Renewals & Persistency
Claims Management
Cross-Sell, Upsell & Retention
Advisor & POSP Enablement
Compliance & Audit
Deep Dive: Voice AI for Policy Renewals
Renewals represent 85% of insurance revenue, yet manual outreach is inconsistent. Vibrium transforms renewal management with agentic voice AI that proactively engages policyholders at the right moment with the right message.
60-Day Pre-Renewal Awareness
AI initiates outreach, explaining benefits and no-claim bonus eligibility.
30-Day Offer & Dynamic Recalculation
AI offers add-ons and recalculates premiums dynamically during conversation.
15-Day Payment Reminder
Final reminder with instant WhatsApp payment link, explaining grace period.
Post-Expiry Lapsed Policy Revival
For lapsed policies, AI guides customers through revival, medicals, and arrears.
Expected Outcomes
Why Vibrium for Insurance
Built for IRDAI Compliance
- IRDAI regulatory alignment: Mandatory disclosure compliance, consent validation, audit trails for all policy transactions.
- Data residency: 100% containerized, on-premise deployments ensure policyholder data never leaves your environment.
- Explainable AI: Full visibility into every recommendation, quote calculation, and decision with audit-ready logs.
- SOC 2 & ISO 27001 aligned: Enterprise-grade security controls, encryption (AES-256), role-based access.
Proven at Scale with Leading Insurers
- Leading health insurance company: Renewals automation deployed for 3 products, targeting 20% renewal rate boost.
- Largest InsureTech platform: Multi-channel embedded journeys (voice + WhatsApp) for renewal flow.
- Large NBFC: Bundled insurance cross-sell for borrowers.
- Leading intermediary (payment company): Insurance cross-sell for merchants upgrading accounts.
Pre-Trained on Insurance Workflows
Vibrium agents understand insurance-specific processes—not just generic scripts.
Rapid Deployment, Measurable ROI
- Cloud deployment: 3 weeks including CRM/policy admin integrations.
- On-premise deployment: 4–5 weeks.
- ROI: 150–200% within first 3 months.
- Renewals impact: 20%+ improvement in persistency rates.
Platform Capabilities for Insurance
On-Premise Deployment
Proprietary PBX, ASR, TTS ensure policyholder data never leaves your data center.
Multi-channel Orchestration
Seamless integration across voice, WhatsApp, email, SMS for unified customer experience.
Policy Admin Integration
Real-time data fetch (sum insured, premium due dates, claim status) to build C360 profiles.
Dynamic Premium Calculation
Real-time recalculation when customers request add-ons or coverage changes.
NACH/Payment Integration
Secure payment link generation via WhatsApp for instant premium collection.
Real-World Performance
Vibrium is deployed across multiple insurance value chain stakeholders with proven results: