Best AI Voice Agents for Insurance (2026): Top 9 Compared

Liberate builds AI agents only for insurance and describes itself as insurance-native software built by people from the industry. Its voice agent, presented under the name Nicole, is designed for regulated calls that run 15 to 20 minutes and end with data written back to the insurer's core systems. The voice page lists FNOL and claim status, billing and payment calls with card data captured under PCI controls, overflow coverage during weather catastrophes, and outbound campaigns that gather claim details from policyholders after an event. The homepage adds sales calls, where the agent qualifies a lead and gives a rate quote.

The integration evidence is specific. The homepage states direct connections to Guidewire, Duck Creek, Applied, Vertafore and Snapsheet, and the Guidewire Marketplace lists a Liberate accelerator for voice FNOL in ClaimCenter on the Guidewire Cloud Platform. The voice page describes the agent pulling the policy, verifying identity and writing back to core systems, with real-time translation across 32 languages.

Liberate states that production deployments take 6 to 8 weeks and describes real-time governance of agent responses. The voice page cites figures such as 85 percent or more of routine service calls resolved without a human and 3.5 million automated tasks a month; these are vendor-reported results.

The product fits a carrier, or a large agency on Applied or Vertafore, that wants one vendor across claims and service calls and runs on a supported core platform. No price is published, so a smaller agency should expect a sales process rather than self-serve signup.

Assured sells AI for property and casualty claims. Its homepage describes a modular platform covering FNOL, voice AI, digital first contact, service assignment, messaging, an adjuster assistant called Emma, the Sidekick intake interface, fraud detection and catastrophe triage, and states that six of the top ten carriers use it; that customer count is a vendor claim.

The Voice AI page describes the call path. A carrier transfers the caller from its IVR to Assured, which verifies the caller and pre-loads policy details for first-party callers, with guided lookup for third parties or unknown numbers. The agent adapts its questions as the caller speaks, resolves inconsistencies and checks that required fields are complete. If intake finishes on the call, the claim is submitted to the carrier's core systems through real-time API calls; if not, a human agent continues in Sidekick with the data already captured.

Assured lists personal auto, commercial auto, homeowners, commercial property and workers' compensation, and offers white-glove implementation for each line. Outcome figures on the page, such as lower cost per claim, are vendor-reported.

Assured fits a carrier claims organisation that wants voice intake connected to a broader digital claims process. It is not built as an agency receptionist, and buyers must request pricing.

Replicant is a contact centre automation company with a dedicated insurance practice. Its insurance page lists the use cases teams automate first: FNOL, claim filing and status, lien verification, policy management including renewals and coverage questions, and billing and payments. The page describes a single AI layer across voice, chat and SMS that learns how a team's best agents resolve requests, with real-time monitoring of claims volume, exceptions and outcomes across AI and human interactions.

The September 2026 announcement of a Guidewire Marketplace accelerator is the main integration evidence. Replicant states the accelerator authenticates the caller, pulls policy information, captures structured incident data and creates or updates the claim in ClaimCenter during the call. If the claim is created, the call ends; if not, it routes to a live agent with context. The marketplace listing names ClaimCenter on the Guidewire Cloud Platform.

Replicant publishes no price; the insurance page routes buyers to a demo request. The company states it supports 35 languages and has automated more than one billion agent minutes, and that the ClaimCenter accelerator moves from kickoff to deployment in weeks; those are vendor statements.

Replicant fits a carrier, TPA or claims service provider with an established contact centre and a Guidewire or similar core system. Agencies looking for a receptionist with an agency management system connection are better served by the agency-focused products below.

Strada builds phone, email and chat AI for insurance carriers, TPAs and MGAs. The homepage organises its offering by buyer. For carriers, conversational agents take FNOL over phone, chat or email, handle address changes, ID cards and coverage questions, process balances and payment links, and give claim status read from the claims system. For TPAs, agents take FNOL, answer claimant and provider status calls and book IMEs and inspections. For MGAs, an agent support line answers questions on submissions, appetite and billing.

Strada pairs the voice work with back-office agents that update reserves and notes, process endorsements, issue certificates of insurance and retrieve documents from carrier portals. A recent launch adds browser automation so agents can operate web portals and systems that lack APIs, which matters for carriers on older policy administration systems.

The site cites 80 percent of contacts resolved end to end for carriers and a 70 percent reduction in handle time for TPAs; both are vendor-reported. A Clearcover customer story describes rising containment within 48 hours of going live.

Strada fits insurance operations that want phone automation and back-office processing from one vendor. It publishes no price or integration list, so buyers should confirm which policy and claims systems are supported for writes.

SoundHound AI sells Amelia, an enterprise conversational AI platform combining voice, generative AI and agentic reasoning, with a dedicated insurance solution page. The page describes four insurer use cases: guiding customers through plan eligibility and coverage options, managing policies and payments such as balances, address changes and payment schedules, explaining deductibles and limits against the customer's policy and state rules, and guiding customers through filing claims and uploading documents.

Amelia ships customisable insurance agent templates for filing claims, generating quotes and sending renewal reminders. The page states that pre-built integrations with Guidewire and Duck Creek Technologies let the agent act on behalf of customers and employees. Voice interactions use SoundHound's own speech recognition technology.

Insurance references on the page include quotes from Apivia Courtage and Seguros SURA Chile, along with anonymised deployments for European claims handling and a large mutual life insurer. The platform also supports employee-facing assistants that help staff during live calls.

Amelia fits a large insurer that wants one conversational platform across customer and employee channels and has the resources to configure it. Unlike the insurance-only vendors on this page, it is a general platform with an insurance package, and pricing requires a sales conversation.

Sonant sells an AI receptionist built for property and casualty insurance agencies, brokers and distributors. Its homepage positions the product around turning routine incoming calls into production time for producers, with 24/7 multilingual answering that recognises existing customers.

The Applied Epic integration is the clearest evidence of fit. Sonant states it is an Applied Certified Integration Vendor, which means agencies do not buy Applied's separate API product or sign an additional agreement to connect. During a call the agent reads client and policy data from Epic to identify the caller; afterwards it writes structured notes, a summary and an assigned task to the correct account. A Call Companion feature produces the same Epic activity for calls that staff answer themselves.

The integrations page also lists AMS360, EZLynx, HawkSoft, Momentum and QQCatalyst, plus calendar tools and Zapier. Sonant states SOC 2 Type II certification and GDPR compliance. A July 2026 article on its Applied Epic receptionist states that calls needing a licence, such as a coverage recommendation or complex claim, route to agency staff with the context already gathered.

Sonant does not publish a price; it states that pricing depends on call volume and features. It fits an agency whose phones are busy with service requests and whose records live in a supported agency management system. A carrier claims operation would look at the carrier-focused vendors above.

Aloware is a cloud contact centre for sales and support teams that has added an AI voice agent, AloAi, with a dedicated insurance page. The page describes the agent identifying whether a call is a claim, quote, certificate request or renewal and running the matching intake flow. FNOL intake collects date and location of loss, parties, police report, witnesses and damage; quote qualification collects state, line, prior coverage and claims history; certificate requests capture the holder and additional insured.

Aloware states the agent opens claim records in Applied Epic, AMS360, EZLynx, HawkSoft or NowCerts, creates quote prospects in AgencyZoom or a CRM, and attaches the recording, transcript and summary to the record. Line-specific scripts cover auto, home, renters, life, BOP, general liability, workers' compensation, professional liability and cyber, and callers can upload photos or ACORD forms through SMS links during the call.

Pricing is published. The AloAi voice agent starts at $0.10 per minute. Staff seats run $30, $60 or $85 per user per month on annual billing, with 5- or 10-user minimums, and smaller teams can buy a 3-user package at $199 per month. Telephony items such as toll-free numbers are priced separately.

Aloware fits an agency that wants to replace its phone system and add an AI agent in one purchase. An agency that wants to keep its current phones may prefer a standalone receptionist.

Insurvoice sells an AI receptionist for independent insurance agencies. The homepage describes an agent that answers FAQs, takes quote information and transfers calls, with two-way sync that pushes call notes, lead details and change requests into the agency management system. Listed integrations include HawkSoft, EZLynx, AMS360, Applied Epic, QQCatalyst, AgencyZoom, Salesforce, HubSpot and RingCentral, with Zapier for other tools.

The product also runs outbound work. Insurvoice describes connecting to HawkSoft, Applied or AgencyZoom to find leads with a working number that have not been contacted in 90 or more days, segmented by line, premium and last contact, and calling them in campaigns. Phone number porting keeps the agency's caller ID.

Pricing is published as a single plan. Insurvoice Agent costs $585 per month plus a one-time setup fee of the same amount, and the first month is free. Inbound calls are unlimited; 75 hours of outbound talk time are included each month, then $0.13 per minute. The plan includes scheduling, follow-ups, SMS and email. An Enterprise tier for multi-location firms and brokerages has custom pricing and unlimited talk time. Answer-rate and conversion figures on the homepage are vendor-reported.

Insurvoice fits a small or mid-sized agency that wants a predictable monthly cost and outbound lead work alongside inbound answering.

Zudu AI is a voice agent platform with an insurance solution page aimed at carriers and brokers. The page describes agents that answer policy inquiries such as coverage, deductibles and claim status, take FNOL details, assign claim numbers and route to adjusters, process renewals and handle premium collections.

The integration list spans both sides of the market: Guidewire claims and policy, Duck Creek policy administration, Majesco, Salesforce Financial Services Cloud, Applied Epic and Vertafore agency management, Five9 contact centre and Stripe payments, with Zapier, APIs and webhooks for other systems. The page states a 48-hour go-live and SOC 2 compliance; the pricing FAQ places HIPAA, SOC 2 and GDPR coverage, with BAAs and dedicated infrastructure, on the Enterprise plan.

Pricing is published per minute. The platform rate, which includes speech recognition and synthesis, is $0.09 on the Free plan with 30 included minutes, $0.08 on Pro at $20 per month with 200 minutes, and $0.07 on Business at $200 per month with 1,000 minutes. Enterprise is custom. LLM and telephony are billed separately, so the platform rate is not the full cost per call.

Zudu fits a carrier, MGA or brokerage with technical staff who want to start on usage pricing. It is a general platform with insurance configuration rather than an insurance-only product.