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Pinnacle Insurance Group hero
Inbound + Outbound AI · 24/7 · All Lines

Every Inbound Call Answered.
Every Renewal Recovered.

Your agency misses 31% of inbound calls — and has zero outbound automation for renewals, cross-sells, and quote follow-ups. Kolari handles both. It pays for itself in 41 calls.

73%
of calls resolved without an agent
41
calls to break even on Kolari
$47K
avg annual savings + revenue

You're Bleeding Revenue on Both Ends

Missing inbound calls costs you clients. Not automating outbound costs you growth.

31%
Inbound Calls Go Unanswered

A policyholder calls about a fender-bender. It rings to voicemail. They call GEICO instead. That's a $1,200/year policy — gone because nobody picked up.

Source: Insurance Journal, 2024
0%
Outbound Automation

Your renewal reminders are manual emails nobody opens. Your cross-sell campaigns don't exist. Quote follow-ups happen "when someone remembers." Meanwhile, 23% of policies lapse at renewal.

Source: Applied Systems Benchmark
$15
Per Call — Human Agent

Your CSRs spend 62% of their day on calls that an AI could handle — policy lookups, payment processing, ID card requests. At $15/call, that's $90K/year on FAQ-level work.

Source: McKinsey Insurance Operations

Two Engines. One Platform. Total ROI.

Inbound saves money. Outbound makes money. Together, they pay for themselves in days.

Inbound: Never Miss a Call Again

Every ring answered in under 2 seconds. Claims intake, policy questions, billing, certificates — handled instantly, 24/7.

📋

Claims FNOL Intake

Captures loss details, date, parties involved, and photos. Creates the claim in your AMS and routes to the right adjuster.

🔍

Policy Lookup & Coverage Q&A

Pulls the caller's policy from your AMS by name, number, or DOB. Answers coverage limits, deductibles, and endorsement questions instantly.

💳

Billing & Payment Processing

Processes payments, sets up autopay, explains billing schedules. Handles the 40% of calls that are just "when is my payment due?"

📄

Certificate & ID Card Requests

Generates and emails certificates of insurance and ID cards on the spot. No more 24-hour turnaround on a 30-second task.

Outbound: Automate Revenue You're Leaving on the Table

AI-powered campaigns that renew policies, cross-sell coverage, and follow up on every quote — without your team lifting a finger.

🔄

Policy Renewal Campaigns

Automated calls at 60, 30, and 15 days before expiration. Reviews coverage, answers questions, and confirms renewal. Reduces lapse rate by 34%.

🏠

Cross-Sell: Auto → Home → Umbrella

Identifies single-line policyholders and runs bundling campaigns. "You're saving $47/month by bundling — want me to email a quote?"

📞

Quote Follow-Up Sequences

Every online quote that doesn't convert gets a friendly AI follow-up call within 24 hours. Recovers 18% of abandoned quotes.

Lapsed Policy Re-engagement

Reaches out to former policyholders with new rates and coverage options. Wins back 12% of lapsed accounts automatically.

Drip Campaigns Are Dead.
Voice + Text Nurture Is 8x More Effective.

Your email drip campaigns get a 20% open rate and a 2% response rate. That means 98% of your follow-ups go nowhere. Kolari replaces passive email sequences with automated phone and text nurture that works every lead to a resolution: booked, converted, or dead. No lead sits in limbo. No lead goes untouched.

Traditional Email Drips
Low Touch. Low Impact.
The inbox is a graveyard for your follow-ups
  • 20% open rate means 80% of your leads never see your message
  • 2% average response rate across all industries
  • Easily ignored, filtered to spam, or buried under promotions
  • Zero ability to handle objections or answer questions in real time
  • Takes weeks or months to nurture a single cold lead
⚠️ Drip campaigns can be contingent on CRM functionality and may require additional setup and maintenance costs.
VS
Kolari Voice + Text Nurture
High Touch. Automated.
Real conversations that turn leads into customers
  • 90%+ text open rate with a 45% response rate
  • 28% phone answer rate with automated AI follow-up
  • Handles objections, answers questions, and books appointments live
  • Intelligent send timing based on lead behavior and engagement
  • Re-engages cold leads in days, not months
How Kolari Nurture Works
Automated multi-touch sequences across voice and text, triggered by time, lead behavior, or business events
📥
Day 0
Lead Enters
New inquiry, quote request, or missed call triggers the sequence
📱
Day 1
Text + Call
Friendly text follow-up, then a call if no response within 4 hours
🔄
Day 3-7
Value Touchpoints
Texts with helpful content, tips, or time-sensitive offers
📞
Day 14
Re-engagement Call
AI calls with a personalized reason like a price change, new availability, or updated offer
🔁
Ongoing
Long-Term Nurture
Monthly check-ins, seasonal triggers, and event-based reactivation
Nurture Sequences That Convert
🕐
Speed-to-Lead
New inquiries get a call within 60 seconds. Leads contacted in the first minute are 391% more likely to convert than those contacted after 5 minutes.
391% higher conversion in first 60 seconds
❄️
Cold Lead Re-engagement
Got leads that went silent 30, 60, or 90 days ago? Kolari reaches back out with a personalized call or text tied to a real trigger like a price change, new service, or seasonal offer.
12 to 18% reactivation rate on cold leads
📊
Quote Follow-Up Automation
Every quote, estimate, or proposal that doesn't close gets a timed follow-up sequence. A text goes out at 24 hours, a call at 48 hours, and a final check-in at 7 days. No lead falls through the cracks.
23% of "dead" quotes convert with structured follow-up
🎯
Event-Triggered Outreach
Contract expirations, seasonal needs, anniversaries, and market changes automatically trigger perfectly timed calls that feel relevant to the customer, not random.
3.2x higher engagement vs. scheduled blasts
🤝
Referral & Past Client Nurture
Keep your business top-of-mind with past clients through quarterly check-ins, satisfaction calls, and referral requests. When they need you again, or when a friend asks for a recommendation, you are the first name that comes up.
1 to 2 referrals per quarter per nurtured client
Missed Call Recovery
Every missed inbound call triggers an immediate text back to the caller ("Sorry we missed you, how can we help?") followed by an automated callback attempt within 5 minutes. You recover leads that would have called your competitor instead.
40% recovery rate on missed calls

Subscription Management: Every Lead Gets a Resolution

Kolari works every lead to a definitive outcome. No lead is "dormant," "untouched," or "unknown." Every lead in your pipeline is either active or dead.

Active: Still Being Worked

  • Lead is responding, engaging, or has not yet reached the end of their nurture sequence
  • Kolari continues automated touchpoints including calls, texts, and value content until the lead converts or opts out
  • Every interaction is logged and informs the next touchpoint in the sequence

Dead: Unsubscribed and Permanently Removed

  • When a lead says "stop," "unsubscribe," or asks to be removed, they are killed immediately
  • No "pause." No "dormant." No "let's try again in 6 months." Dead means dead.
  • Removed from all sequences, flagged in your CRM, and never contacted again
📈

Your database is a goldmine you are not working.

Most businesses have hundreds, sometimes thousands, of leads sitting in a CRM with no status, no next step, and no resolution. Kolari works every single one to a definitive outcome: booked, converted, or dead. No lead falls through the cracks. No lead lives in limbo. Automated phone and text lead nurturing runs 24/7 until there is a resolution. No new ad spend needed. Just better follow-up on the leads you already have.

See Exactly When It Pays for Itself

Drag the sliders. Watch the math. Spoiler: it's fast.

500
$15
Monthly Savings
Pays for Itself in
Annual ROI
ROI Multiple

Based on 73% inbound deflection rate · Kolari Professional at $495/mo · Does not include outbound revenue generation

Every Channel. One Platform.

Kolari meets your customers wherever they are — phone, text, web, or email — with AI that handles conversations across every channel seamlessly.

📞
Phone
InboundOutbound

AI voice agents that answer and make calls with human-like fluency. Handle inbound inquiries 24/7 and run outbound campaigns — follow-ups, reminders, re-engagement — at scale.

  • 24/7 inbound call handling
  • Automated outbound campaigns
  • Live transfer to human agents
  • Call recording & transcription
💬
SMS
InboundOutbound

Two-way text conversations powered by AI. Receive and respond to policyholder texts instantly, or send outbound messages — renewal reminders, payment alerts, claim updates — with intelligent threading.

  • Instant inbound text responses
  • Outbound campaigns & reminders
  • Conversational AI threading
  • Rich media support (MMS)
🌐
WebSDK
Live on your website

Embed a live AI agent directly on your website. Visitors get instant help without picking up the phone or sending a text — voice or chat, right in the browser.

  • Drop-in widget — one line of code
  • Voice & text in-browser
  • No app download required
  • Branded to match your site
Email Automation
Add-on

Automated email for confirmations, follow-ups, summaries, and drip sequences. Triggered by call or text outcomes to keep the conversation going after the initial interaction.

  • Post-call confirmation emails
  • Follow-up sequences
  • Policy & renewal confirmations
  • Additional cost applies

Built for Regulated Outreach

Kolari takes compliance seriously. Every outbound text and call runs through the proper channels so you stay on the right side of the law.

📋
10DLC Registration

All SMS and outbound calling through Kolari requires 10DLC (10-Digit Long Code) registration. This is a carrier-mandated requirement that ensures your messages are delivered reliably and your brand is verified.

Required for:
  • All outbound and inbound SMS/MMS messaging
  • All outbound calling campaigns

We handle: Campaign registration, brand verification, and throughput provisioning as part of onboarding.
🛡️
Do Not Call & TCPA

Kolari integrates with Do Not Call (DNC) registries and TCPA compliance management tools to help you honor opt-outs and stay compliant with federal and state telemarketing regulations.

Important: DNC list management and TCPA compliance are the client's responsibility. Kolari provides the integration points and tooling — your team owns the compliance posture, list hygiene, and consent management.

Use the TCPA Compliance Checker →
🔒

Your compliance. Our infrastructure. Kolari gives you the technical rails — 10DLC registration, DNC integrations, opt-out handling, call recording disclosures — so your team can focus on the business while staying compliant. Regulatory responsibility remains with your organization.

Connect. Deflect. Engage. Revenue.

Inbound savings from day 1. Outbound revenue from week 1.

01

Connect Your AMS

Connects via webhooks to any agency management system. AI learns your policies, carriers, and workflows. Additional implementation costs may apply.

5 min setup
02

Inbound Calls Resolve Instantly

Claims intake, policy questions, billing, certs — handled in seconds. Complex issues transfer warm to the right CSR with full context.

73% deflection
03

Outbound Campaigns Run on Autopilot

Renewal reminders, cross-sell campaigns, quote follow-ups — all running in the background. Your book of business grows while you sleep.

Day 1 revenue

Before & After Kolari

Calls to Agents
500/mo
135/mo
Response Time
38 sec avg
< 2 sec
Policy Lapse Rate
23%
15%
Monthly Revenue Impact
$0 outbound
+$3,400/mo
SOC 2 Type II
HIPAA Ready
99.9% Uptime
Webhook Compatible

Frequently Asked Questions

How does inbound claims intake work?
When a policyholder calls to report a claim, Kolari captures all FNOL details — date, location, parties, damage description, and photos via text. It creates the claim record in your AMS and routes it to the correct adjuster based on claim type and severity. The entire intake takes 3-4 minutes vs. 12-15 minutes with a human agent.
What outbound campaigns can it run?
Kolari runs four automated outbound campaign types: policy renewal reminders (at 60/30/15 days), cross-sell campaigns for single-line policyholders, quote follow-up sequences for abandoned online quotes, and lapsed policy re-engagement. Each campaign is customizable — you set the timing, messaging, and escalation rules.
Does it integrate with my agency management system?
Yes. Kolari connects to any webhook-compatible AMS or management system. It pulls policy data for inbound calls and pushes activity notes, new quotes, and renewal confirmations back to your system. Additional implementation costs may apply for custom integrations. Setup typically takes under 5 minutes.
How does the AI handle compliance?
Kolari follows your state-specific compliance rules for disclosures, recording consent, and claims handling. All calls are recorded and transcribed for E&O documentation. The AI never provides coverage advice — it reads policy terms verbatim and escalates interpretation questions to a licensed agent.
How fast does it pay for itself?
At $495/month (Professional plan), you need to deflect just 41 inbound calls OR convert 1 outbound renewal to break even. Most agencies see positive ROI in the first week. A typical 500-call/month agency saves $3,891/month on inbound alone, plus $3,400/month in outbound-generated revenue — a 14.7x return.
What happens when the AI can't handle a call?
Complex calls — coverage disputes, large claims, angry policyholders — transfer warm to your team. The agent sees the full conversation transcript, caller's policy details, and a suggested resolution before they pick up. No "can you repeat your policy number?" — the handoff is seamless.

Stop Losing Policies to Voicemail

Every missed call is a lost client. Every manual renewal is a risk. AI that handles both — and pays for itself in 41 calls.

Demo the Solution

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