Insurance — Life Insurance Lead
Inbound life insurance inquiry. Captures coverage needs, health snapshot, and beneficiary intent before agent callback.
When this runs
classifies this work type when the caller says things like:
How the call goes
4 surface rules tied to missing field definitions. Urgent first.
Ask what type of coverage they're looking for — term, whole life, or final expense drive very different products.
important“Are you looking for term life, whole life, or final expense coverage?”
Field: Coverage type (term / whole / final expense)
Ask about tobacco use — single biggest rate class factor.
important“Have you used any tobacco products in the last 12 months?”
Field: Tobacco use in last 12 months
Ask about major health conditions — heart disease, cancer, diabetes affect underwriting.
important“Do you have any major health conditions — heart disease, diabetes, cancer — anything like that?”
Field: Major health conditions
Ask about existing policies — they may want to supplement, not replace.
important“Do you currently have any life insurance coverage, through work or on your own?”
Field: Existing life insurance policies
Extracted without a dedicated prompt
extracts these from the transcript in real time. If the caller does not mention them naturally, staff can confirm them during wrap-up.
Guardrail signals
If staff says anything matching one of these examples, an urgent warning surface is created.
Quote a specific premium without underwriting.
Guarantee approval or specific rate class.
Advise dropping existing coverage before the new policy is in force.
Make health recommendations or diagnoses.
When the call ends
Before staff can end the call, walks them through a wrap-up checklist, then prepares the captured fields for the work record.
Wrap-up checklist
- Confirm callback number
- Schedule agent callback
- Set quote timeline expectation
- Send needs analysis summary
Then creates a service request with:
- Caller name
- Callback number
- Date of birth
- Coverage type (term / whole / final expense)
- Desired coverage amount
- Reason for seeking coverage
- Tobacco use in last 12 months
- Major health conditions
- Current medications
- Existing life insurance policies
- Monthly premium budget
- State of residence
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