7 best Voice AI Agents for insurance companies

7 best Voice AI agents for insurance companies

Insurance companies face a perfect storm of operational challenges. The industry could lose around 400,000 workers through attrition by 2026, while insurance call centers achieve an average schedule adherence rate of 80%, leaving significant room for improvement. Add to this the fact that more than 9 in 10 companies are investing in AI-driven personalization to support their customer service, and it becomes clear that automation is no longer optional, it's a board-level priority.

Voice AI agents offer a practical solution to these challenges, automating routine inquiries while freeing human agents to handle complex cases. But with dozens of providers in the market, how do you choose the right one?

This guide ranks the top seven Voice AI agent platforms specifically for insurance operations, focusing on compliance readiness, integration capabilities, and real-world performance in handling claims, policy inquiries, and customer support.

Why insurance companies need Voice AI agents now

The insurance industry operates in a uniquely challenging environment. An account manager job went from between 60-90 days to fill to over six months, creating significant gaps in customer service coverage. Meanwhile, the average time an agent spends speaking with a customer is 3.35 minutes, and with thousands of daily calls, even small efficiency gains translate to substantial cost savings.

AI can transform all of this: Traditional analytic AI finds patterns in structured data, whereas generative AI can understand unstructured inputs and produce more human-like, personalized responses.. For insurance specifically, Voice AI delivers:

• 24/7 availability for first notice of loss (FNOL) and claim status updates
• Reduced operational costs by automating high-volume, low-complexity interactions
• Improved customer satisfaction through instant responses and zero hold times
• Better compliance with automatic call logging and quality assurance

An IBM report shows that chatbots can handle up to 80% of routine inquiries, cutting customer support costs by 30%. In the banking and healthcare sectors, each chatbot query handled saves 4 minutes of an agent’s time, around $0.50-$0.70 in operational cost per query, with similar efficiencies applying to insurance operations.

How we evaluated these Voice AI platforms

We assessed each platform based on criteria that matter most to insurance operations:

• Infrastructure reliability: Uptime guarantees, call quality, and latency
• Compliance and security: SOC 2, HIPAA, GDPR, and PCI-DSS certifications
• Integration capabilities: CRM connectivity, policy management systems, and claims platforms
• Insurance-specific features: FNOL handling, policy lookup, claims triage
• Cost structure: Transparent pricing and scalability
• Implementation speed: Time to deploy and technical complexity

Now, let's examine the top 7 providers.

1. Telnyx: The full-stack conversational AI platform

Best for: Mid-sized to enterprise insurance carriers requiring carrier-grade reliability, complete control, and ultra-low latency

Telnyx stands out as the only platform that owns the entire voice AI stack—from telephony infrastructure to AI inference. Unlike competitors who stitch together multiple third-party services, Telnyx colocates dedicated GPUs with its global telecom points of presence (PoPs), enabling round-trip response times under 200ms.

Why Telnyx leads for insurance

Full-stack ownership eliminates vendor complexity

Most Voice AI platforms rely on external providers for telephony, speech recognition, or AI inference. Telnyx owns every layer:

• Private MPLS network with carrier status in 30+ markets
• Native speech-to-text and text-to-speech engines
• Phone number provisioning in 140+ countries
• Dedicated GPU infrastructure colocated with voice networks

This integration delivers crystal-clear call quality and eliminates the security risks of stitching together third-party services.

Built-in compliance for regulated industries

Telnyx is SOC 2 certified and offers secure voice data storage, helping insurers meet stringent compliance requirements without added complexity. All data remains on Telnyx's private network, never touching the public internet, which is critical for handling sensitive policyholder information.

Insurance-specific capabilities

• FNOL automation: Guide policyholders through incident reporting with dynamic variables and memory
• Claims status updates: Real-time lookups from CRM systems with secure API integrations
• Policy servicing: Handle routine inquiries about coverage, deductibles, and payment dates
• Fraud prevention: Voice AI can help detect synthetic voices and known robocall patterns, preventing fraudulent attempts from reaching human agents

Real-world insurance applications

The conversational AI market is expected to grow from $17.05 billion in 2025 to $49.80 billion by 2031. Insurers are paying attention: 81% of insurance CEOs call generative AI a top investment priority.

Telnyx enables insurers to:

• Deploy voice AI assistants in days using the no-code AI Assistant Builder
• Handle FNOL, claims status updates, and policy inquiries 24/7
• Integrate directly with CRM systems for real-time data access
• Scale instantly during call volume spikes without adding headcount

Learn more: telnyx.com/solutions/insurance

2. Retell AI: Enterprise-ready voice agents

Best for: Large enterprises requiring 99.99% uptime and deep system integrations

Retell AI focuses exclusively on enterprise-grade voice agents with industry-leading reliability. Their platform emphasizes scalability and offers extensive integration options with major CRM and policy management systems.

Key strengths

Leading platforms now offer 99.99% uptime guarantees with seamless fallbacks across LLM and TTS providers to ensure business continuity even during outages. Retell AI delivers this level of reliability with:

• Sub-one-second latency for natural conversations
• Automatic failover across multiple AI model providers
• Support for complex, multi-turn interactions
• Real-time sentiment analysis and call monitoring

Insurance use cases

• Lead qualification and appointment booking
• Policy renewal reminders and payment collection
• Claims documentation gathering
• Customer service inquiries and routing

Pricing: Starts at $0.07/minute; enterprise plans with volume discounts available

3. Cognigy: Enterprise contact center automation

Best for: Large insurers with existing contact center infrastructure (Avaya, Amazon Connect, Genesys)

Cognigy specializes in enterprise-scale conversational AI with deep integrations into major telephony platforms. A Fortune 500 global insurer selected NICE Cognigy to handle their millions of yearly incoming calls.

Key strengths

• Visual flow builder for complex conversation logic
• Native integration with major contact center platforms
• Advanced analytics suite (Cognigy Insights) tracking automation rates and intent success
• Just by completely automating their IVR and ID&V, they were able to reduce average handling time by 15%

Considerations

Cognigy requires collaboration between IT and operations teams for setup. The platform is built for high-volume, complex environments rather than quick deployments.

Pricing: Custom enterprise pricing only

4. Liberate: Insurance-specialized voice AI

Best for: Small to mid-sized insurance agencies seeking pre-built insurance workflows

Liberate focuses exclusively on the insurance industry, offering purpose-built solutions for common workflows like FNOL, policy changes, and claims management.

Key strengths

Liberate enables you to provide human-like conversation that offers 24/7 support and answers 100% of calls with no wait time. Their insurance-specific approach includes:

• Pre-built workflows for FNOL and claims processing
• Liberate's Voice AI technology provides personalized and efficient solutions for our customers, and it also improves agency efficiency by automating repetitive tasks and streamlining workflows
• Integration with rating engines and policy management systems
• Built-in sentiment analysis for quality control

Insurance applications

• Automated first notice of loss (FNOL) handling
• Policy renewal and payment reminders
• Claims status inquiries
• Digital FNOL implementation with minimal carrier involvement

Pricing: Custom pricing based on call volume

5. Voiceflow: No-code voice AI builder

Best for: Insurance agencies wanting to build custom agents without technical expertise

Voiceflow provides an intuitive visual builder that allows insurance professionals to create sophisticated Voice AI agents without coding knowledge.

Key strengths

• Drag-and-drop interface for conversation design
• Pre-built templates for insurance use cases
• For a mid-sized insurance company handling 100,000 customer inquiries monthly, this could translate to annual savings of $1.2-3.6 million
• Integration with fraud detection and risk assessment tools

Insurance applications

• Policy selection and quote generation
• Claims intake automation
• Customer verification and authentication
• Fraud screening integrated with existing systems

Pricing: Free tier available; paid plans start at $50/month

6. Synthflow: No-code voice automation

Best for: Agencies needing quick deployment without developer resources

Synthflow offers a no-code platform for building Voice AI agents with natural language understanding and CRM integration.

Key strengths

• The no-code builder allows you to build conversation flows that process calls in a natural way. You can use it for appointment booking, lead qualification, or customer support
• Integration with 200+ apps including HubSpot, Salesforce, and Zapier
• Built-in analytics tracking call performance and drop-offs
• Quick deployment without technical teams

Considerations

While easy to use, effective conversation flows still require thoughtful planning. Best suited for standard insurance workflows rather than highly complex scenarios.

Pricing: Starts at $29/month for 50 minutes; $450/month for 2,000 minutes

7. VAPI: Developer-first voice platform

Best for: Insurance companies with technical teams wanting complete customization

VAPI provides developers with full control over Speech-to-Text, Large Language Models, and Text-to-Speech components, allowing maximum flexibility.

Key strengths

• Choose your own STT, LLM, and TTS providers
• Support for multi-agent systems (sales agent passing to support agent)
• Modular "Blocks" feature for improved conversation flow
• Integration with 40+ tools including OpenAI, Claude, Deepgram, and ElevenLabs

Insurance applications

• Custom claims workflows with specific routing logic
• Multi-agent systems for complex policy inquiries
• Integration with proprietary insurance platforms
• A/B testing different AI models for optimal performance

Pricing: Pay-as-you-go based on usage; starts at $0.05/minute

Making your decision: Key considerations

When evaluating Voice AI platforms for your insurance operations, prioritize these factors:

1. Infrastructure ownership matters

Platforms that own their full stack (like Telnyx) deliver better latency, security, and reliability than those stitching together third-party services.

2. Compliance is non-negotiable

Compliance is non-negotiable for insurers operating across multiple states or handling sensitive data. Look for a provider like Telnyx that supports, SOC 2 certification, and secure voice storage.

3. Integration capabilities

Your Voice AI must connect seamlessly with existing policy management systems, CRMs, and claims platforms. Evaluate each provider's API capabilities and pre-built integrations.

4. Total cost of ownership

Look beyond per-minute pricing to consider:

• Setup and integration costs
• Ongoing maintenance requirements
• Scalability as call volume grows
• Hidden fees for features like call recording or analytics

5. Speed to value

With Telnyx, you can go live in days and start seeing value fast. From the first call, you'll get real automation for repetitive tasks, full control over how calls are routed, and a better experience for both agents and customers.

The future of Voice AI in insurance

Voice is one of the most powerful unlocks for AI application companies. As models improve, AI voice will become the wedge, not the product. For insurance companies, this means:

• Agentic AI evolution: According to Gartner, agentic AI will autonomously resolve 80% of common customer service issues by 2029, reducing operational costs by 30%
• Always-available service: Every insurance company can operate 24/7 without proportional staffing increases
• Improved customer experience: In many cases, AI voice agents can already outperform humans on emotional vectors. They pay better attention, are more empathetic and patient, and have (theoretically) unlimited time to spend

The talent shortage isn't resolving anytime soon. The turnover rate in the insurance industry for customer-facing roles is over 20%, compared to the national average of 15%. Voice AI agents offer a sustainable solution that scales with your business while maintaining service quality.

Ready to deploy Voice AI?

The insurance industry's operational challenges require immediate action. With call volumes rising, talent shortages persisting, and customer expectations for instant service at all-time highs, Voice AI agents have moved from "nice to have" to essential infrastructure.

Telnyx delivers the unique combination of carrier-grade reliability, insurance-specific capabilities, and transparent pricing that mid-sized to enterprise carriers need. Our full-stack ownership eliminates vendor complexity while delivering the ultra-low latency required for natural conversations.

Start with a pilot program

Launch your first use case in a day. Focus on a single flow like claim status updates or policy renewals and track real results right away:

• Containment rate: How often the AI handles the full call
• Average handle time: How quickly issues are resolved
• First-call resolution: How often customers get what they need the first time

Contact our team of experts to see what Voice AI can do for your operations.

Want to learn more about building Voice AI for insurance? Explore our insurance solutions page or read our technical documentation to get started today.