01
Policy renewal
Pre-expiry and grace-period renewal calls with premium amount, due date, and payment-link facilitation.
Industry
Insurance renewals that hold through peak season
Voice AI absorbs renewal spikes, qualifies new-business leads, and runs retention conversations in Hindi, Marathi, and more — without seasonal hiring.
What you get04
- Propensity-led renewal calling before and at policy expiry
- New-business lead qualification before an advisor is assigned
- IRDAI-aligned disclosures and consent on every recorded call
- Human handoff the moment a customer asks for an advisor
60%
Lower renewal cost
85%
Connect on renewal peaks
10
Indian languages
23
QA parameters audited
Campaigns
Insurance campaigns built for Indian books
02
New-business qualification
Life, health, and motor leads scored for intent and eligibility before advisor time is spent.
03
Persistency and retention
Lapse-risk cohorts nudged with benefit reminders and easy reinstatement paths.
04
Proposal form completion
Incomplete proposals resumed on call with missing medical or KYC steps explained clearly.
05
Claim status updates
Status, document gaps, and next steps shared on outbound calls so customers are not left chasing IVR.
06
Cross-sell to existing base
Health riders, term top-ups, and motor add-ons offered to in-force customers with approved scripts only.
The operating problem
Renewal season still forces hiring spikes
Cyclical renewal volumes overwhelm floors, quality drifts with temp staff, and IRDAI-sensitive disclosures get inconsistent. Elastic Voice AI capacity removes the seasonal headcount problem.
- Peak windows cleared without temporary hiring
- Approved disclosure language enforced on every call
- Advisor handoff with full transcript and context
- TRAI DND scrubbing and DPDP consent in the dial layer
Policy renewal call
- Languages
- Premium due
- ₹12,480
- Outcome
- Payment link sent
- QA score
- Pass / 23 params
Hindi, Marathi
Going live
Renewal and new-business pilots in weeks
- 01
Lock IRDAI talk tracks
Disclosures, benefit language, and prohibited claims are configured before any live dial.
- 02
Connect policy admin and CRM
Agents read due dates, premiums, and lapse status, then write outcomes and payment events back.
- 03
Pilot one product line
Typically motor or health renewals first, benchmarked against your current connect and conversion rates.
- 04
Expand across the book
Scale to new-business qualification and persistency once renewal economics are proven.
Outcomes
What insurance ops see after switching
60%
Lower cost per renewal
85%
Connect through peak windows
0
Seasonal hiring for renewals
2–4 wks
Time to first live campaign
Proof
All case studiesBFSI retention and renewal at scale
Banking
ICICI Bank
ICICI Bank Cuts Renewal Costs by 60% with Rubic Voice AI Automation
85%
Connectivity
60%
Lower CAC
Banking
HDFC Bank
HDFC Bank Drove Growth at 60% Lower Cost with Enterprise Voice AI
85%
Connectivity
25%
Qualification Rate
BFSI
IIFL Finance
IIFL Finance Achieves 3x Conversions & 3.2x Lower AHT with Voice AI
3x
Higher Conversions
3.2x
Lower AHT
Security posture
Enterprise-grade security on every conversation
Security is not a feature bolted on later — it is the foundation every Rubic Solution conversation runs on.
01
Certified and audited
ISO 27001:2022, ISO 9001:2015, and SOC 2 Type II, with annual third-party audits and continuous control monitoring.
02
DPDP and TRAI aligned
Consent capture, recording retention windows, PII redaction, and DND scrubbing built into the calling layer.
03
India data residency
Conversations, transcripts, and derived data stay inside Indian data centres with role-based access control.
Clarity first
Frequently asked questions
Only approved benefit and disclosure language is allowed. Calls are recorded with retention windows you configure, scored across 23 QA parameters, and escalated when a customer asks for a licensed advisor.
Pilot renewals on one product line
We run a controlled renewal cohort against your current human cost and connect rate before you expand.
93% of Rubic Solution pilots convert into production deployments.