AI calling for loan recovery
Automate EMI reminders and soft-collection calls that capture a promise-to-pay date on every connected call.
Learn moreAI calling for insurance renewal reminders
Reach every policyholder due for renewal, capture payment intent, and route warm prospects to your agents — so no lapse goes uncontacted.
The problem
Policies lapse not because customers want to cancel, but because they were never reached. Human agents prioritise large-premium accounts, leaving mid- and small-ticket renewals untouched — and every lapse means lost premium and a customer who may not return.
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
- Contacts every policyholder in the renewal-due cohort inside calling windows — 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 every portal lead within minutes, qualify budget and locality, and book a site visit — before the lead picks up a rival broker.
Learn moreB2C Sales AI calling for speed-to-lead qualification
Call every web lead the moment it lands, run your qualification questions, and capture a structured hot-cold-dead verdict, ready for your CRM, before the lead moves on.
Learn more
Make your first AI call today
Spin up an agent, import a list, and watch outcomes reconcile in real time. Free to start — pay only for talk-minutes.