Fred for life insurance.
Answer prospect questions, capture leads, and book your team around the clock, an AI agent that fills the calendar and never quotes a premium or gives suitability advice.
Every family, captured and routed.
Someone is thinking about protecting their family and wants to understand term versus whole life and what it might cost. Fred answers the general education, captures the lead, and books a licensed agent, while quotes, suitability, and underwriting stay with your team.
What Fred does
- Answers product types and general education
- Captures leads and qualifies goals
- Books appointments with a licensed agent, 24/7
- Routes underwriting and health questions to your team
When Fred hands off to you
- A request for a premium or rate
- A suitability or how-much-coverage question
- An underwriting or medical-history matter
- A prospect ready to apply or talk to an agent
What Fred won’t do
- Quote a premium or rate estimate
- Advise on suitability or coverage amount
- Bind a policy or make an underwriting call
Pre-configured for life insurance: term, whole, and final-expense education and lead intake; quoting, suitability, and underwriting handled by a licensed agent.
Protecting their family. Fred books the agent.
Talk to Fred.
Server-side guardrails
The guardrails you manage in the admin, enforced before Fred replies.
Insurance is sold on trust and regulated on every promise, so a wrong answer about coverage is a claim waiting to be denied. This is the compliance panel you manage in the admin: the industry pack automation, your own custom rules, and the hard limits Fred holds no matter how it’s asked. All of it is enforced in code before a word reaches the visitor. Not a suggestion in a prompt a clever question can talk around.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.insurance
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| ins-emergency-escalate | ESCALATE | S4 | input | I'm sorry this is happening. Let me connect you with an agent immediately to start your claim and get you the help you need. | contains: just had an accident, house is flooding, car was stolen +12 |
| ins-no-binding | ESCALATE | S4 | input | I can't bind, cancel, or modify coverage — that requires a licensed agent. Let me connect you with one right away. | contains: bind my policy, cancel my policy, add a driver +12 |
| ins-fraud-escalate | ESCALATE | S3 | input | This needs to go to our fraud team immediately. Let me connect you right away. | contains: insurance fraud, report fraud, someone filed a fake claim +11 |
| ins-no-policy-interpretation | DENY | S3 | input | I can't interpret specific policy coverage. Your policy language and endorsements determine what's covered. Let me connect you with an agent who can review your policy with you. | contains: am I covered for, does my policy cover, does my insurance cover +13 |
| ins-no-guarantees | DENY | S3 | output | Only underwriting can guarantee coverage or claim approvals. Let me connect you to an agent who can review your situation. | contains: guarantee approval, claim approved, will be covered +10 |
| ins-no-premium-generation | DENY | S3 | output | I can't generate premium quotes or rate estimates. A licensed agent can provide an accurate quote based on your specific situation. | contains: your premium would be, your rate would be, estimated premium +9 |
| ins-claims-escalate | ESCALATE | S3 | input | Let me connect you with an agent to start your claim. They'll walk you through what's needed and next steps. | contains: file a claim, start a claim, open a claim +10 |
| ins-identity-verification | ESCALATE | S3 | input | I can't access or verify policy records here. I'll connect you with a licensed agent right away. | contains: policy status, claim status, coverage details +8 |
| ins-complaint-escalate | ESCALATE | S2 | input | I understand your frustration. Let me connect you with a supervisor or compliance team member who can address your concerns directly. | contains: file a complaint, department of insurance complaint, bad faith +10 |
| ins-lapse-reinstatement-escalate | ESCALATE | S2 | input | Policy reinstatement has specific timing and underwriting requirements. Let me connect you with an agent who can review your options. | contains: policy lapsed, reinstate my policy, coverage lapsed +9 |
| ins-quote-request-escalate | ESCALATE | S2 | input | I'd love to help you find the right coverage. Let me connect you with a licensed agent who can put together an accurate quote based on your needs. | contains: get a quote, how much is insurance, how much for coverage +12 |
| ins-disclaimer | DISCLAIMER | S2 | output | contains: coverage, claim, premium +6 |
Hard limits
The boundaries Fred holds, no matter how a visitor asks.
- Never bind, cancel, or modify coverage
- Never quote a premium or rate estimate
- Never interpret specific policy coverage or guarantee a claim
- Routes claims, fraud, and emergencies to a licensed agent immediately
Your custom rules
Layered on top of the pack, unique to your agency. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that have nothing to do with your agency
- WARNbefore anyone is given a number that looks like a quote
- LOGwhen a caller asks whether something specific is covered
These industry rules stack on top of the always-on baseline, your state’s insurance and licensing rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
Every conversation lands in your CRM with a lead score, a purchase probability, and a plain-language summary. The prospect ready to apply gets routed before the early researcher, so your agents work the warmest lead first instead of guessing.
Life insurance questions.
Why won’t Fred just give me a quote?
Quoting and binding are licensed, regulated activities. Fred captures the details a quote needs and connects a licensed agent who can give you an accurate, compliant number. That boundary is enforced in code before Fred ever speaks, not suggested in a prompt a clever question can talk around.
Will Fred tell me how much coverage I need?
No. Suitability and coverage amount depend on your situation and belong with a licensed agent. Fred shares general education and books your team.
Does Fred handle health or underwriting questions?
No. Underwriting and medical history go to a licensed agent. Fred captures the lead and routes those questions to your team.
Can it book time with an agent?
Fred captures the lead and routes or books the agent in seconds. Direct calendar booking depends on the tools you already run. Our training videos show you how to connect them, or you can add a paid setup.
Answer every prospect. Stay in your lane.
Go live in about 20 minutes. Or ask Fred a question right now, it is in the corner of this page.