Answer member and shopper questions, capture leads, and book your team around the clock, an AI agent that guides people and never quotes a premium or interprets benefits.
Open enrollment is confusing and someone needs help understanding plans and deadlines. Fred answers the general questions, captures the lead, and books a licensed agent, while premiums, plan suitability, and benefit specifics stay with your team.
Pre-configured for health insurance: individual and group plan education and lead intake; quoting, eligibility, and benefit decisions handled by a licensed agent.
Talk to Fred.
Server-side guardrails
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 on our servers before a word reaches the visitor. Not a suggestion in a prompt a clever question can talk around.
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 |
The boundaries Fred holds, no matter how a visitor asks.
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.
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
Every conversation lands in your CRM with a lead score, a purchase probability, and a plain-language summary. The shopper near an enrollment deadline gets routed before the early researcher, so your agents work the time-sensitive lead first instead of guessing.
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 on our servers before Fred ever speaks, not suggested in a prompt a clever question can talk around.
No. Plan suitability and benefit interpretation belong with a licensed agent. Fred shares general education and books your team.
No. Eligibility and subsidy determinations go to a licensed agent. Fred captures the lead and routes those questions.
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.
Go live in about 20 minutes. Or ask Fred a question right now, it is in the corner of this page.
