After coming face-to-face with a loss when someone calls their insurer, what they absolutely don't want is a long list of options presented to them via an IVR. They expect the call to be answered by someone who can listen to them, understand their situation and act promptly. And they want this done immediately.
At this point, a poor response or repeated transfers of the call can cost insurance companies dearly, both in terms of customer satisfaction as well as customer retention. Thus, the need to deploy conversational Gen AI in this vicinity is real and urgent. Your insurance business needs AI voice agents that can operate on real calls, follow insurance rules, and prove ROI in weeks, not quarters.
Now while it's a given that AI voice agents should move from experimentation to necessity, not all platforms are built for real traffic, compliance or scale. This guide compares 10 AI voice platforms built for the insurance sector through one lens; if they can handle real insurance calls, meet compliance and routing needs, and deliver measurable ROI.
Top 10 AI Voice Agents for Insurance (2026)
This list should help you choose an option that you can launch confidently and fast.
1. Plivo
Plivo is a vertically integrated AI voice agent and communications platform that helps businesses automate and manage multi-channel customer interactions from voice calls to messaging using conversational AI built on programmable APIs and no-code agent builders. The platform controls the full voice stack including telephony, AI and messaging in one system, all while reducing latency, failures and operational complexity. It’s designed to handle inbound and outbound voice workflows, CRM integrations and real-time operational logic without requiring telecom expertise or complex vendor stitching.
Core Capabilities
- Carrier-grade telephony & SIP trunking — Plivo’s cloud SIP trunking (Zentrunk) provides global voice connectivity with robust security, encrypted trunks (TLS/SRTP) and low post-dial delay through direct carrier connections, all with 99.99% uptime and geo-redundancy.
- AI voice agents across channels — The platform enables you to build and deploy agents that engage customers via voice, SMS, WhatsApp and chat. All of this is handled with shared context and brand-aligned conversational logic.
- No-code AI builder (Vibe) — All you need to do is explain what you need the agent to do. Post that, the Vibe builder automatically generates workflows without writing any code. You can also customize call logic, handoffs, and routing visually.
- Programmable voice API & real-time audio streaming — Plivo lets you program dynamic IVR, call forwarding, conferencing and real-time media pipelines. The platform’s Audio Stream APIs let you stream live call audios over WebSockets for custom AI handling and analysis.
- Global reach & SDKs — It lets you make and receive calls across 220+ countries. Additionally, with Plivo you can provision phone numbers with embedded voice services into web or mobile apps using browsers and mobile SDKs with high-quality codecs and platform-optimized performance.
- Analytics & Call Insights — Detailed call logs, audio quality stats and insights help you normalise complex call flows and optimize agent behavior in production.
Use Plivo if you
- Want AI voice agents that handle real customer calls and messaging without complex telecom management.
- Need multi-channel engagement with shared conversational context across voice, SMS, WhatsApp and web chat.
- Plan to integrate voice agents with CRM, helpdesk or business systems to pull and push customer data.
- Are building scalable production workflows, not just PoCs including escalation to humans when required with analytics.
- Need simple and transparent pay-as-you-go pricing.
Avoid Plivo if you
- Only need a basic outbound calling tool or simple IVR without CRM or multi-channel logic.
- Want developer-centric control only (Plivo blends APIs with a no-code agent builder).
Why Plivo is #1 — Plivo pairs reliable telephony with real-time media and simple APIs, so your insurance voice agent moves from slideware to live calls fast, without making you refactor your phone stack or compromise compliance.
2. Retell AI
Retell AI is a production-ready AI voice agent platform that helps businesses automate phone calls, SMS workflows and conversational interactions that sound natural and respond intelligently. The platform offers scalability, real-time deployment, compliance and transparent usage-based pricing, supporting both inbound and outbound call automation with low latency and vast language support. It combines an API-driven voice engine with no-code agent creation tools to help teams automate calls without heavy engineering overhead.
Core Capabilities
- Retell supports building, testing, deploying and monitoring AI voice agents for production-grade phone automation.
- The platform delivers natural AI conversations with voice synthesis, intent understanding and sub-second (~500 ms) response performance.
- Retell’s agents can handle conversations in 18+ languages and can dial internationally, expanding support for global activity.
- Platform features include auto-sync knowledge bases, warm transfer with messages, natural appointment booking, IVR navigation and batch calling campaigns.
- Retell maintains SOC 2 Type I & II, HIPAA and GDPR compliance for enterprise security standards and delivers 99.99% uptime with fallback support.
- Connects to CRMs, calendars, telephony providers (Twilio, Vonage, Plivo, etc.), automation tools like Zapier and workflow systems for structured data capture and action.
Use this if you
- Prefer pay-as-you-go pricing without platform fees, where you pay per minute used and scale cost predictably.
- Operate in regulated industries needing compliance (HIPAA, SOC2, GDPR).
- Want a no-code agent builder and API continuity so both business users and developers can collaborate on deployment.
Avoid this if you
- Only need a basic IVR tree or simple phone menus without natural language understanding.
- Require deep telephony infrastructure ownership or carrier controls.
- Prefer a vendor that specializes exclusively in industry-specific insurance workflows out of the box.
3. Voiceflow
Voiceflow is a visual, low-code to no-code AI agent development platform that helps teams design, test and deploy conversational agents across voice and chat channels. It’s used by product, support and automation teams to build human-like AI agents for customer support, inbound/outbound voice and advanced multi-step dialog logic using drag-and-drop interfaces along with developer APIs.
Core Capabilities
- It lets you build conversational flows using a drag-and-drop canvas, combining intents, prompts, conditions and API calls without writing full application code.
- With Voiceflow, you can design agents once and deploy them to chat or voice using the built underlying logic.
- Voiceflow connects to phone calls through providers like Twilio or Vonage, which handle phone numbers, PSTN connectivity and call delivery.
- The platform can trigger external systems, fetch customer data and update CRMs using API calls and webhooks from within conversation flows.
Use this if you
- Want a visual, collaborative tool to design complex conversational logic without hard-coding flows.
- Need to build both chat and voice agents using the same design system.
- Have engineering resources to manage telephony, hosting and integrations separately.
- Are building custom conversational products and not just automating calls.
Avoid this if you
- Need native telephony, phone numbers or carrier-grade voice infrastructure out of the box.
- Want an AI phone agent that can be launched quickly without managing third-party voice providers.
- Require telephony SLAs, uptime guarantees or call-quality control from the same vendor running the AI logic.
4. Alltius AI
Alltius AI is an agentic artificial intelligence platform built to automate and elevate customer interactions for insurance, banking and financial services. It combines natural language-based AI agents with workflow automation and analytics to resolve queries, assist advisors, automate support and boost sales.
Core Capabilities
- Alltius provides AI agents built to handle natural language conversations in voice and messaging channels, designed specifically for financial services and insurance.
- The platform supports multi-agent workflows with pre-built financial services logic (25+ agents) and an intuitive flow engine, letting teams automate complex processes without heavy engineering lift.
- Alltius integrates first-party data through models and advanced analytics (Pulse Analytics) to track customer behavior, efficiency and service metrics.
- The system supports tailored security and compliance needs including GDPR, HIPAA and other enterprise information security standards, helping protect sensitive customer data.
- Alltius agents can be deployed across widgets, Slack, WhatsApp, APIs and internal tools, providing assistance in-product or embedded in customer journeys with endpoint connectivity.
Use this if you
- Are in insurance, banking or financial services requiring AI that’s tuned to specific domain lingo and workflows.
- Want multi-touch conversational AI (voice and text) that can resolve policy inquiries, assist sales reps and automate support tickets.
- Need secure, compliant AI that meets enterprise standards (GDPR/HIPAA) and handles sensitive data safely.
Avoid this if you
- Only want a voice-only automated call system without broader AI workflow logic.
- Need a platform dedicated solely to voice telephony built on native telephony infrastructure with deep PSTN control.
5. TalkerIQ
TalkerIQ is a voice AI platform that automates outbound and inbound calling, support, and reception with natural-human-like AI voice agents. It’s designed to help businesses scale sales outreach, handle customer support calls 24/7 and reduce manual calling costs by automating repetitive tasks. The platform supports human-like conversations, multi-language support, broad integrations with CRMs and tools and use cases across sales, support and operations.
Core Capabilities
- It lets you create, launch and manage large outbound calling campaigns using uploaded lead lists and customizable call objectives.
- The platform offers seamless integration with major tools like Salesforce, HubSpot, Zendesk, Slack, Google Calendar and many others to sync call outcomes and lead data.
- It offers features like call summary notes, warm call transfers and knowledge-base integrations enhance context and continuity.
- TalkerIQ’s AI agents support 12+ languages to engage global audiences and reflect diverse customer bases.
- The platform lets you track call progress, conversion metrics, engagement outcomes and appointment bookings in real time.
Use this if you
- Need to automate both inbound and outbound calling workflows with natural conversational responses.
- Have use cases like sales calls, customer support lines, receptions, collections and reminders.
- Want broad CRM and tool ecosystem connections so call data syncs automatically into your workflows.
Avoid this if you
- Are seeking deep telephony control or carrier-level telephony infrastructure, voice connectivity and phone number provisioning depend on integrations like typical CPaaS partners.
- Want rapid plug-and-play agents without campaign setup.
6. Reverie
Reverie is a language inclusion and AI solutions company that provides tools enabling speech-to-text (STT), text-to-speech (TTS), translation, transliteration, natural language understanding (NLU) and chat & voice bots. The company’s APIs and products help expand reach, automate localization and improve accessibility for multilingual audiences, but it’s not a full-stack AI voice agent platform on its own. It’s more accurately described as a multi-language AI API and bot-builder ecosystem.
Core Capabilities
- Reverie’s STT API converts spoken language into text with real-time transcription and support for 11 Indian languages, enabling voice data to be analysed or processed in applications.
- Reverie’s Translation API converts digital content into 22 official Indian languages, while the transliteration API retains phonetic pronunciation across scripts, enabling deeper localization of apps, messages and interfaces.
- Reverie supports NLU and AI-powered voice and chat bot components that can handle conversational logic and interaction flows in multiple languages, with customizable behavior.
- Developers get access to well-documented APIs, usage analytics and integration guides that support rapid integration of speech and language AI into existing products or services.
Use this if you
- Are building custom applications that require STT, TTS, translation or NLU with real-time capabilities.
- Want language capabilities that expand reach into Indian and regional language user bases where English-centric platforms fall short.
- Need APIs that integrate into broader contact center systems, IVRs or conversational architectures.
Avoid this if you
- Want a standalone, AI voice agent that can answer calls, qualify leads and manage conversations independently. Reverie’s offering is fundamentally API components, not a full voice agent platform.
- Need native telephony infrastructure with carrier-grade guarantees.
- Are seeking insurance-specific AI workflows with policy logic, claims intake, escalation and compliance built in. Reverie provides language tech, but not pre-crafted insurance voice agents.
7. NeuraVoice
NeuraVoice is a full-stack AI voice agent platform designed to automate natural, human-like conversations for both customer support and business workflows. It offers agents that handle inbound and outbound calls 24/7, qualify leads, answer complex questions, transfer to humans when needed and integrate with existing business systems, all without requiring heavy coding or telecom expertise.
Core Capabilities
- The platform interprets spoken language, including accents and colloquialisms, enabling agents to carry out contextual, multi-turn conversations.
- NeuraVoice agents tailor conversations based on user behavior and preferences, improving engagement and relevance.
- The platform’s real-time metrics track performance, call outcomes and customer insights.
- NeuraVoice integrates with CRM, helpdesk and business tools, allowing seamless data flow and action triggers.
- Its agents support numerous languages and offer custom voice configurations to align with brand and audience preferences.
Use this if you
- Need continuous voice automation for customer support, insurance inquiries, sales qualification or legal intake without adding staff.
- Want natural, context-aware conversations that go beyond menu selection.
- Plan to integrate voice agents with CRM, helpdesk and business workflows to streamline data and actions.
Avoid this if you
- Want a platform with native telephony infrastructure.
- Need a lightweight, developer-only voice API without UI or orchestration tooling. NeuraVoice is better suited to full conversational workflows.
8. Cognigy
Cognigy is an enterprise level conversational AI and automation platform designed to help organizations build, deploy and manage AI agents that engage across voice, chat and messaging channels. The platform offers agentic AI, hybrid automation and omnichannel experiences that scale with enterprise needs.
Core Capabilities
- With Cognigy, one can build agents that make conversations with customers across voice calls, web chat, SMS and messaging apps, all from the same orchestration layer.
- The platform’s agents don’t just act as per logic; they can plan, reason over user intents, orchestrate workflows and execute actions.
- Cognigy provides tools to design and preview voice interactions, modify call settings and ensure smooth voice customer journeys.
- The platform includes AI orchestration, real-time oversight, safety controls and enterprise governance to scale, secure and manage AI agents in production.
- Designed for global deployments supporting 100+ languages and extensive integration with third-party voice, messaging and CX platforms (AWS, Microsoft, Avaya, Genesys, etc.).
Use this if you
- Need a full enterprise platform that mixes conversational AI with workflow automation and omnichannel engagement.
- Want agents that can reason, plan and act rather than just respond to logical scripts.
- Operate contact centers at scale with governance, oversight and hybrid automation.
Avoid this if you
- Only need a standalone voice agent product with native telephony and phone number management.
- Want a quick, lightweight deployment for simple call automation. Setup and customization can require integration and design work.
9. Notevibes
Notevibes is a professional AI-powered text-to-speech (TTS) platform that converts text into natural-sounding audio with a large library of customizable voices and languages. Having said that, it is important to note that this is not a full AI voice agent or call automation platform.
Core Capabilities
- The core feature of Notevibes is converting written text into high-quality, natural-sounding speech using AI voices. It supports 550+ premium voices across many accents and 40+ languages.
- The platform can extract text from a variety of inputs including documents, images, URLs and videos and turn that into audio.
- It supports multi-speaker or called the “podcast mode” where dialogues between characters can be created with distinct voices and emotions.
- Project organization, team collaboration and rich text editing are offered to assist content teams working together.
Use this if you
- Need professional text-to-speech audio for videos, podcasts, e-learning or marketing content.
- Want multi-language voice generation with customizable intonation and emotion.
Avoid this if you
- Want a true AI voice agent or phone call automation system.
- Need CRM integrations or real-time customer interactions via phone lines.
- Are building insurance call workflows or customer support voice bots that require call routing or agent escalation.
10. Sonant AI
Sonant AI is a specialized voice AI receptionist platform built exclusively for insurance agencies, brokers and distributors. It automates routine inbound call handling, including call answering, routing, quote intake, servicing inquiries, appointment scheduling and data capture, all using natural, human-like conversational AI tailored to industry terminology and workflows. Sonant’s AI receptionist works around the clock to eliminate missed calls, improve service consistency, and free agency staff from repetitive phone tasks.
Core Capabilities
- Sonant AI handles inbound calls at any time with a conversational voice that recognizes callers and provides immediate responses, eliminating waiting times.
- The AI sounds natural designed specifically for insurance terminology and common customer queries and can handle multiple calls simultaneously.
- It routes calls appropriately, automatically gathers quote information during calls, and pushes structured data into your agency management systems (AMS) or CRM.
- After each call, Sonant AI summarizes conversations, extracts notable details and updates systems to keep records accurate and actionable.
- Sonant integrates seamlessly with major insurance Agency Management Systems (AMS) and CRM tools such as EZLynx, Momentum, QQCatalyst, AgencyZoom, Applied Epic, InsuredMine and more.
Use this if you
- Run an insurance agency or brokerage and want routine inbound calls answered reliably and consistently without adding manual overhead.
- Want 24/7 service with zero waiting and no missed opportunities.
- Require deep AMS/CRM integrations so call data populates your existing systems automatically.
- Aim to convert routine calls into higher chances of revenue conversions (quote intake, appointment scheduling, renewals).
Avoid this if you
- Need outbound call automation or multi-channel AI agents (SMS, chat, WhatsApp). Sonant focuses on inbound voice reception.
- Require deeper telephony infrastructure ownership or customization.
Deep Dive: What Actually Matters in an AI Voice Agent
Most AI voice tools look similar in demos. The real differences appear only in production.
1. Telephony First, AI Second
Many platforms fit AI into third-party phone services, which introduces latency and reliability risks.
Plivo owns and controls the telephony layer, so voice quality, routing and scale are controlled in-house end-to-end.
2. Real-Time Performance
Voice agents must respond instantly, even small delays break conversational flow and trust.
Plivo offers real-time audio streaming and low-latency voice pipelines to keep responses fast and natural.
3. One Conversation Across Channels
Customers move between calls to SMS to messaging and fragmented context kills efficiency.
With Plivo, voice, SMS, WhatsApp and chat run on the same platform with shared context.
4. Integration Into Real Workflows
If call outcomes don’t sync with CRMs and systems, automation creates more cleanup work and rechecking overhead.
With Plivo, APIs, webhooks and native integrations make it easy to push call data into existing workflows.
5. Production Readiness
Demos don’t test escalation, compliance or traffic spikes, production does.
Plivo offers carrier-grade infrastructure, redundancy and proven CPaaS foundations supporting real-world scale.
FAQs
1. Which insurance calls should an AI voice agent handle vs. avoid?
Automate low-risk, high-volume tasks like identity verification, claim status, FNOL intake, renewals, reminders and appointment booking. Escalate coverage disputes, liability decisions, injuries, cancellations, and underwriting exceptions to licensed staff.
2. How do outbound compliance and consent actually work?
Outbound flows must check consent records, scrub federal and state DNC lists, enforce time-of-day rules and provide instant opt-out. Opt-outs should be written back to your CRM/AMS in real time so future calls are blocked automatically.
3. What data should an FNOL voice agent collect to avoid rework?
Minimum set includes policy number, insured name, contact details, date/time of loss, location, cause and callback preference. For auto, it should include vehicle/VIN, drivable status, injuries, police report availability. Always confirm with a read-back before creating the claim.
4. How do warm transfers to adjusters work without frustrating callers?
The agent authenticates the caller, captures intent, summarizes the conversation and should tag key fields. On transfer, the adjuster receives the summary and structured data so they start informed so no repetition is required.
5. What does a realistic pilot timeline look like?
Week 1: provide provision numbers, connect telephony, configure prompts, webhooks and test live audio streaming. Then test internally. Week 2: Try limited live traffic (e.g., claim status), daily transcript reviews, conduct tuning for latency and accuracy, then expand hours once quality stabilises.
Try Plivo Free
Getting started with Plivo is simple, quick and comes with no strings attached. You can sign up for a free trial account and get free credits to explore the platform’s voice, SMS, chat and WhatsApp capabilities before buying credits or subscribing to the platform.
You can experiment with API calls, add phone numbers and build or test workflows using Plivo’s no-code tools helping you simulate real-life use cases like AI voice agents, automated messaging or multi-channel engagement with your own data and logic.
Get started with your free trial now and begin building your first insurance agent today.
