# SIM-based Call Management CRM for Insurance Agents
_URL: https://calliyo.com/industries/insurance · Built for: Insurance agents, agency teams, MGA backoffices, broker firms_

> Renew more policies. Cut claim-call no-shows. Stay compliant with IRDAI call-recording norms.

## Overview
Insurance is a relationship game played on the phone. Renewal pickups, claim explanations, and cross-sell calls all live and die on whether the customer is reached. Calliyo gives Indian insurance agents a tracked SIM-based dialer, AI summaries for compliance, and a renewal queue that fires 30 days before lapse.

## Where insurance agents teams lose deals

### Lost renewals
Up to 30% of motor and health renewals lapse because nobody called the customer. Each lapsed policy = lost commission for the agent.

### Claim no-callbacks
Customers waiting on a claim update give up after one missed call. They post on Twitter instead.

### Compliance pressure
IRDAI tightens call-recording norms. Agents on personal phones leave a paper trail nowhere.

### Cross-sell missed
A health policyholder who'd take a term policy never gets the call.

## How Calliyo fixes each one

### 30-day renewal queue
Calliyo auto-queues every policy 30 days before lapse. Agent dials the queue; renewal rate jumps measurably.

### Claim status callbacks
Tag the contact with claim status. Calliyo schedules the callback the moment the status updates.

### Recorded + searchable history
Every call is recorded with disclosure, transcribed, and tagged to the policy. Audit trail for IRDAI checks.

### Cross-sell flag from AI summary
AI flags conversations where a customer mentions another life event (new car, baby, marriage). Auto-suggests cross-sell follow-up.

## Common insurance agents use cases
- Motor insurance agents (renewal-heavy)
- Health insurance brokers
- Term + life agencies
- Corporate group-insurance backoffices
- Multi-product insurance MGAs

## A day with Calliyo
1. Policy issued → 30-day-before-lapse renewal call auto-queues
2. Customer files claim → callback queued for status updates
3. Agent dials queue; AI summary stores quoted renewal premium + objections
4. Cross-sell flag fires when AI detects life-event in conversation
5. Manager / agency owner sees renewal rate, claim NPS proxy, cross-sell pipeline

## Frequently asked questions

**Is Calliyo compliant with IRDAI's call recording norms?**

Calliyo plays a disclosure ('This call may be recorded for quality and training') at the start of every outbound call, stores recordings encrypted, retains for the period your IRDAI-aligned policy specifies, and supports DPDP Act access/deletion requests.

**Can independent agents use it without a corporate plan?**

Yes. The Personal plan (₹99/month annual) covers a single agent. Agency owners with 5+ agents move to Teams.

**Does it integrate with insurance company portals?**

Calliyo doesn't talk directly to insurer portals (LIC, ICICI Lombard, etc. — those are agent-only). Agents use Calliyo for the call-and-follow-up layer; quote and policy issuance happens in the insurer's portal as normal.

**How is renewal uplift measured?**

Compare renewal rate of the 90 days before adopting Calliyo vs the 90 days after. Most agencies see 8-15 percentage points of renewal lift, driven almost entirely by the 30-day-before-lapse queue.

**Can multiple agents share a customer call history?**

Yes — within an agency account, customer history is visible to assigned agents and the agency admin. If a customer is reassigned, the new agent inherits the full call history and AI summaries.