Why it matters
Two questions a website can't answer, and a weekend to lose them in
Somebody buying a car on Saturday afternoon wants coverage before they drive it home. Somebody refinancing wants to know what rate they'd get. Both message on the weekend, when nobody is at a desk.
Neither question can be answered by a website. Coverage starts when an insurer says so, in writing. A rate depends on an application nobody has made yet, and naming a payment in a sentence turns that sentence into a credit advertisement with disclosures attached.
The car buyer is collecting quotes from three or four places that afternoon. The refinancer may only ever talk to one broker. For both, the agency that answers the rest (which states, which carriers, what happens next) and gets a call booked is still in the running on Monday.
- 3.5 quoteswas the average auto insurance shoppers collected before choosing a policy, in J.D. Power's 2026 study of 12,437 shoppers.J.D. Power 2026 U.S. Insurance Shopping Study, reported by Repairer Driven News
- 48%of new auto policies were bought digitally, in the same study.J.D. Power 2026 U.S. Insurance Shopping Study, reported by Repairer Driven News
- Almost halfof mortgage borrowers seriously considered only one lender or broker before deciding where to apply (a survey of 2013 borrowers).Consumer Financial Protection Bureau, 2015
Example conversation
A rate question on a Saturday
- What rate could I get on a 30-year fixed with good credit?
The question every broker's site gets
- I can't give out rates or terms in a chat. A real number depends on an application, and a loan officer can go through that with you. Can I set up a call? What's your name and the best number?
No rate, no payment, no term. It offers the call instead
- Sure. I also need coverage on a new car before I drive it home tonight. Am I covered if I sign up now?
- Coverage starts when the insurer confirms it in writing, so I can't tell you you're covered, and please don't drive on the strength of a chat message. Which state will the car be registered in?
Never says covered, never says when coverage starts
- Ohio. Ben Achterberg, 555-0155. My SSN is 078-05-1120 and I make about $90,000.
- Thanks, Ben. Your name, number and state are all I need, so please don't send a Social Security number or income details through here. I've passed on that you'd like a call today about the car and the mortgage.
Asks for none of it and repeats none of it
- New lead · Ben Achterberg · 555-0155 · Ohio · Auto coverage for a new car, and a 30-year fixed · Wants a call today
Emailed to you, without the SSN or the income
Try a sample
Ask a sample assistant yourself
Sample Insurance & Mortgage Brokers
SampleA sample insurance and mortgage broker, made up for this demo.
Nothing loads until you tap. No account, and nothing you type is saved.
What customers ask
What shoppers ask before they call
- What rate could I get on a 30-year fixed?
- Am I covered if I sign up today?
- Are you licensed in my state?
- Do you charge a fee, or does the lender pay you?
- Which insurers or lenders do you work with?
- Is going through an agent cheaper than getting quotes myself?
- Will talking to you hurt my credit score?
- What do you need from me to get started?
It answers these from your own website, and hands over any it can't.
What it does
What it does for you
Turns the rate question into a call
It explains that a real number comes from an application rather than a chat, and asks for a name and a number in the same message.
Never says somebody is covered
Coverage starts when the insurer confirms it in writing. It says exactly that, which is also the answer that protects the person asking.
Answers the rest from your pages
Which states you're licensed in, which carriers or lenders you work with, how you're paid and what happens after the first call, in your website's words.
Books the call
Through your booking page, which opens inside the chat if it's on Calendly, or into an open time on your Google Calendar at the call length you set, with the lead emailed to you either way.
Rules it follows
Licensing and advertising rules it follows
No rate, premium, payment or fee figure
It never gives a rate, premium, payment, down payment, term, fee or finance charge, or says whether someone will be approved. Regulation Z requires advertised credit terms to be ones actually available, and a payment, down payment, number of payments or finance charge pulls in the APR and full repayment terms. It also never states a rate lock, a deadline or an offer that ends unless you've published it.
Nobody is covered until the insurer says so
It never says someone is covered, insured, bound or on risk, and never says when coverage starts. It says coverage starts when the insurer confirms it in writing.
No policy interpretation
It never says whether a policy would pay a claim, what a policy means, or what someone's existing coverage does.
No recommendation, and no borrowed authority
It never recommends a product, a carrier, a lender, an amount of coverage or a term, or calls one best, cheapest or right for someone. That's what your licensed advisor is for. It also never says you're affiliated with or endorsed by an insurer, a lender or a government program unless your site says so.
License numbers repeated, never supplied
It states license numbers, including an NMLS unique identifier, only as your website publishes them. The model state law most states adopted requires an originator's identifier on advertisements and websites, so it's a fact to repeat and never one to produce.
Nothing sensitive asked, nothing repeated
It never asks for a Social Security number, a date of birth, income, a credit score, bank or card details, a policy number or a claim number. Where someone volunteers one, it tells them not to send it, doesn't repeat it and leaves it out of the lead you receive. It stays in the conversation record, which is why the assistant asks for none of it.
Claims and complaints go to you
It never helps with a claim, a complaint or a cancellation. It takes the details and lets your team call.
What reaches you
What reaches your inbox
The state and the line of business come with the name and number, so the right licensed person makes the call.
- Name
- Ben Achterberg
- Phone
- 555-0155
- State
- Ohio
- Interest
- Auto coverage for a new car, and a 30-year fixed
- Wants
- A call today
Your tools
An insurance chatbot that works beside your agency software
- Applied Epic
- EZLynx
- HubSpot
- Encompass
Questions
Common questions
What does it cost, and how long does setup take?
There's a free plan with 100 customer messages a month and no card, and paid plans start at $19 a month. Setup is paste your agency's website, let it read your pages for about a minute, then add one line of code to the site or install the WordPress plugin.
We tried live chat and nobody was ever online. How is this different?
There's no one to staff. It answers from your own pages at any hour, and when a question needs a licensed person it takes a name and number and emails you the lead, so the chat never sits there showing offline.
Won't shoppers leave when it won't quote?
Some will, as they would from any agency that won't give a number online. The rest get what they can get tonight: whether you write in their state, which carriers or lenders you use, and a call booked. It asks for the name and number in the same message as the refusal.
Our site shows a sample payment next to its APR. Why won't the assistant repeat it?
On your page that payment sits beside the APR and repayment terms Regulation Z requires. Lifted into a chat reply on its own, it loses them. So it leaves the figure on your page and books the call instead.
Will it recommend a carrier or a lender?
Never. It describes what you arrange, from your own pages, and leaves the recommendation to the licensed person on the call.
Can it handle a claim, a policy change or a cancellation?
No, by design. It hands the conversation to you with the details, because a half-answer about a claim or a beneficiary change is worse than a quick callback.
Similar businesses
Close to yours
- Real estate agentsA real estate chatbot for agents and brokerages: qualifies buyer and seller leads on your website while you're at showings and emails you each lead in seconds.
- Fintech companiesFintech chatbot for financial services sites: answers from your own pages, emails fraud reports to your team at once, and never quotes a rate or gives advice.
Before you start
More business types
Built for other businesses too
- HVAC, plumbing and electrical
- Dentists
- Salons and spas
- Law firms
- Accountants and CPA firms
- Gyms and fitness studios
- Driving schools
- Tutors and tutoring centers
- Veterinary clinics
- Auto repair shops
- Medical clinics
- Roofing contractors
- Pest control
- Solar installers
- Cleaning services
- Moving companies
- Home improvement contractors
- Physical therapy and chiropractic
- Med spas and aesthetics
- Daycare and child care
- Online stores
- B2B SaaS companies