Insurance CRM:what your policy system already does and what an AI agent on WhatsApp adds
For carriers, brokers and agencies with a steady volume of inquiries. The policy system rates and issues, the CRM organizes the book of business and the producer advises. What gets lost is the inquiry that arrives after hours and nobody picks back up. We do not sell a core system or a CRM: Sellium works on top of the ones you already use.
What CRM does an insurance broker or carrier need?
It depends on where you sit in the chain. The carrier works on a policy administration system that rates, issues policies and settles claims, and usually adds a CRM to manage its relationship with brokers and policyholders. Brokers and producers (licensed insurance agents) use an agency management system or a general-purpose CRM to track clients, expiration dates and renewals. An AI agent does not replace any of them: it handles WhatsApp and records each case where it belongs.
Quoting the premium on WhatsApp with your rating engine is already covered in Sellium for Financial Services. This page lays out the systems behind an insurance operation and the role of each one: the AI agent's, the producer's and the core system's.
Which system each insurance player uses
An insurance operation spreads its data across systems that almost never come from the same vendor. To serve people well, the agent needs to know where each piece lives: coverage in the policy system, the expiration date in the book of business and the follow-up in the CRM.
| System | Who uses it | Examples | What the agent does |
|---|---|---|---|
| Policy administration and rating | Carrier | Guidewire, Duck Creek, Sapiens, SAP for Insurance | Quotes the premium with the coverages you enable. Issuing the policy follows your own process |
| Agency management | Broker and producer | The agency management system the organization already uses | Reads expiration dates to send renewal reminders and logs the inquiry on the client record |
| CRM | Carrier, broker and producer teams | Salesforce, Microsoft Dynamics, HubSpot, Zoho CRM, Pipedrive | Creates the lead, records the conversation and hands off to the producer with the case ready |
| E-signature | Carrier and broker | Docusign | Brings the signing link into the conversation and notifies you when it is signed |
| Payments | Carrier and broker | The payment gateway you already use | Sends the payment link in the chat and records the payment |
Examples taken from each vendor's official website and from Vantegrate's integration pages. Vantegrate does not sell any of these systems: the agent works on top of the ones you already have.
What each agent handles, and with which system
The quoting details are in Sellium for Financial Services. Here is what each agent does and which system it touches.
Pre-qualifies the inquiry
Sellium asks what the person wants to insure, collects the risk details and the documents, and replies at any hour.
Rating engine and CRM
Hands off to the producer with the case ready
The producer gets the lead with the quote, the documents and the conversation, ready to give advice.
Writes to the CRM
Reads policies and claims
Arconte extracts the data from policies, loss notices and adjuster reports, and checks it against the policy in force.
Policy system
What Vantegrate does and does not do
What it does
- Handles the carrier's or broker's WhatsApp at any hour, with your coverages and your rules
- Pre-qualifies, collects data and documents and hands off to the producer
- Records every conversation in the CRM you already use
- Sends renewal reminders to people who gave their consent
- Works within your regulator's rules and data protection rules, with a log of every interaction
What it does not do
- It does not sell a policy system or a CRM: it works on top of the ones you already use
- It does not issue policies or settle claims
- It does not give advice in place of the licensed producer
- It does not send messages without the policyholder's opt-in
When it is not a fit: an independent producer with a small book of business needs to organize their clients in a CRM before an AI agent. The AI agent pays off when there is a steady volume of inquiries and a system where each case can be recorded.
What it connects to, page by page
Salesforce
Microsoft Dynamics
HubSpot
Zoho CRM
Pipedrive
Google Calendar
WhatsAppEach chip takes you to its integration page. Guidewire, Duck Creek and Sapiens do not have their own page: the connection with the policy system is defined during discovery, before we quote.
Why an insurance inquiry cannot wait until Monday
Nearly 7 times
More likely to qualify a lead if you reach out within the first hour than if you reach out an hour later (1.25 million leads from 42 companies, U.S.)
A public U.S. benchmark, not a Vantegrate result. We did not find a verifiable public study on insurance inquiries in Latin America. Each implementation is measured against an agreed baseline.
Sellium
AI sales agent for WhatsApp
Answers the inquiry, pre-qualifies with your rules, collects the documents and hands off to the producer with the case ready in your CRM.
Explore SelliumSecure AI agents
Sellium runs 100% on Salesforce and Oracle Cloud infrastructure, certified SOC 2 Type II and ISO 27001. Vantegrate enables, the customer operates and certifies.
See the security modelISV and Consulting PartnerRuns inside your Salesforce
Sellium reads and writes your objects, respects your profiles and permissions, and works alongside Agentforce and your existing flows.
Vantegrate and SalesforceWhat carriers and brokers ask
Does Vantegrate sell an insurance CRM?
Does Vantegrate sell an insurance CRM?
No. Vantegrate sells AI agents that work on top of your systems: the policy system, the agency management system and the CRM. If you already have a CRM, the agent records every inquiry and every handoff there. If you do not have one yet, it makes sense to choose one first.
Which CRMs does it connect to?
Which CRMs does it connect to?
The ones with a published integration page: Salesforce, Microsoft Dynamics, HubSpot, Zoho CRM and Pipedrive. Each page details what the agent reads and what it writes. With any other system, the connection is reviewed during discovery.
Does the AI agent replace the insurance producer?
Does the AI agent replace the insurance producer?
No. The AI agent handles the first inquiry, collects the data and the documents and hands off. Advice, coverage recommendations and closing stay with the licensed producer, who gets the complete case and frees up time for the work only they can do.
Can it send renewal reminders on WhatsApp?
Can it send renewal reminders on WhatsApp?
Yes, with Revio and with the policyholder's consent: the reminder goes out before the policy expires with a template approved by Meta, and the reply is recorded. Without opt-in, nothing is sent.
How much does it cost?
How much does it cost?
Sellium is priced in two parts: an initial implementation quoted for each company and a monthly subscription with AI credits that scale up, with no lock-in. You pay for WhatsApp messages directly to Meta, on your own account. To get a number for your case, request a quote.
Get every inquiry to the producer ready for advice
Tell us which policy system and which CRM you use, and we will show you how Sellium would handle your WhatsApp inquiries, from the first message to the handoff.
Francisco Morales, co-founder, takes your call. We reply on WhatsApp within 4 business hours, no strings attached.
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