AI calling for loan recovery
Call borrowers about overdue EMIs, record their payment date and reason, and schedule the next step.
Learn moreAI calling for insurance renewal reminders
Call policyholders before renewal, record whether they plan to pay, and pass interested customers to your agents.
The problem
Agents often call large-premium policyholders first. Smaller renewals can go untouched even when the customer intends to keep the policy. Once a policy lapses, recovering that customer takes more work.
How Vaanicall runs it
Import renewal cohort
Upload your renewal-due list as a CSV, segmented by days-to-expiry. The scheduler places calls inside TRAI calling windows with DND-scrubbed contacts.
Reminder sequence — premium amount and due date
The AI agent reminds the policyholder of their policy number, the premium amount due, and the expiry date — following your approved script without deviation.
Payment intent captured
If the policyholder confirms intent to renew, a "payment intent" disposition is recorded. If they have questions about the policy or premium, the call is flagged as "callback required" and a task is raised for your renewal team.
Hot renewals routed to human agents
Confirmed-intent contacts are queued as priority callbacks for your human renewal agents — who take over only at the point of payment, not earlier.
Retry policy for hard-to-reach contacts
No-answer contacts re-enter a configurable retry schedule (e.g., three attempts across three days) so every policyholder is given a fair chance to respond before the expiry date.
Hear it
Sample call — the agent opens with your brand and script
AI Agent: Namaste, main Sneha bol rahi hoon Raksha Bima Insurance ki taraf se. Kya main Kavita Rao ji se baat kar sakti hoon?
Customer: Haan, main hoon. Kya renewal ke baare mein call hai?
AI Agent: Ji haan, Kavita ji. Aapki Motor Policy — number SHD-2209-4411 — ka renewal 20 June ko due hai. Premium ₹12,400 hai. Kya aap renew karna chahti hain?
Customer: Haan, renew karna hai. Main online kar sakti hoon ya kisi se baat karni hogi?
AI Agent: Humara renewal agent aapko kal call karega aur payment link bhi bhejega. Main aapka number aur aapki dilchaspi note kar rahi hoon. Theek hai?
Customer: Bilkul, please karein.
Sample transcript for illustration. Actual call content varies by contact data and agent configuration.
What you get
- Calls policyholders in the renewal list during permitted calling hours, regardless of premium size.
- Extracts payment intent, policy queries, and preferred callback time as structured contact fields.
- Routes confirmed-intent renewals as priority callback tasks for human agents at the payment step.
- Applies a configurable retry schedule for hard-to-reach contacts before expiry.
- Produces a full disposition log — intent confirmed, callback requested, not interested, no-answer — per policy contact.
Compliance
Compliance
- TRAI calling window: all outbound calls dial only within 09:00–21:00 IST.
- DND scrub: DND-registered numbers are skipped at dial time.
- Audit log: every call action and extraction result is written to the immutable append-only audit log.
Questions, answered
The platform enforces TRAI windows and DND scrub — the baseline India telecom compliance layer — and offers optional in-call AI-disclosure enforcement as a per-tenant setting if your licence requires it. Your organisation remains responsible for ensuring that call scripts and solicitation practices align with IRDAI-specific guidelines for your product type and licence. The agent builder lets your compliance team review and lock the exact script before launch.
Related use cases
Lending & Fintech Real Estate AI calling for real-estate lead follow-up
Call new portal leads within minutes, ask about budget and locality, and arrange a site visit with your broker team.
Learn moreB2C Sales AI calling for speed-to-lead qualification
Call new web leads, ask your qualification questions, and record whether each person is ready to buy, needs follow-up, or is not interested.
Learn more
Make your first AI call today
Set up an agent, import contacts, and see what happened on each call. You can start free and pay for connected talk-minutes.