CHAARM Visibility
Get found in AI answers
Shoppers ask AI which agent to trust. Get named in the answer.
- Audited across 5 AI assistants
- Competitor visibility tracked
- Monthly re-testing and optimization
Industries · Insurance
AI infrastructure for insurance agencies
Quotes that never get followed up. Renewals that lapse without a call. Cross-sell opportunities sitting in your book of business. Woodpeker AI and Mockingjay AI handle the outreach your producers don't have time for — with DOI-compliant scripts, anti-rebating language guardrails, and producer-vs-CSR scope boundaries built in.
The insurance reality
Your book is bigger than your team can service.
48 hrs
Quote follow-up window
Insurance shoppers get three to five quotes and pick one within 48 hours. If your producer doesn't follow up the same day, the policy goes to the agency that did.
$420
Average annual revenue per retained client
Every lapsed renewal is recurring revenue gone permanently. The cost of a missed retention call is a multi-year customer relationship, not a one-time premium.
1.4
Average policies per household
Most agencies sell one policy and never cross-sell the auto, the home, the umbrella, the life. Your existing book is the highest-converting lead source you have — and it's untouched.
One stack · three products
AI infrastructure built for insurance agencies
Your producers are licensed professionals — they should be writing policies, not chasing quotes and reminding clients about renewals. Woodpeker handles SMS quote follow-up, renewal retention, and cross-sell campaigns at scale. Mockingjay covers inbound calls, outbound retention outreach, and claims communication with scripts that stay inside the customer service representative line — never crossing into producer activity that would require licensure.
Woodpeker AI
SMS quote follow-up & retention
Every quote, every renewal, every cross-sell opportunity gets immediate SMS outreach with DOI-compliant language. Your producers close the deals — Woodpeker handles the conversation flow that keeps prospects engaged and clients retained.
- Same-day quote follow-up sequences
- Renewal retention campaigns (30/60/90 days out)
- Cross-sell and account rounding outreach
- Aged quote and lost-lead reactivation
- Claims status update messaging
- Two-way SMS with AI conversation handling
- AMS360, EZLynx, HawkSoft, Applied Epic, and GHL integration
- A2P 10DLC compliance built in
From $2,000 buildout + $2,000/month
How Woodpeker worksMockingjay AI
AI voice agents for service & retention
When a client calls to ask about their policy, file a claim status check, or shop their renewal, Mockingjay answers. CSR-scope conversations only — no quoting, no policy changes that require producer licensure, no advice that crosses into solicitation.
- 24/7 inbound service line coverage
- Outbound renewal retention calls
- Claims status check-in calls
- Lapse warning and reinstatement outreach
- Cross-sell appointment booking (warm transfer to licensed producer)
- Custom voice persona matched to your agency
- Live transcripts, recordings, and CRM logging
From $1,200 buildout + $1,499/month
How Mockingjay worksWhat your customers are asking AI
Policy shoppers are asking AI first.
Are you in the answer?
“Best independent insurance agent in [city]?”
Are you in the answer?
“Who can help me compare final expense policies?”
Are you in the answer?
“Which life insurance agents near me are trustworthy?”
Real agency workflows
What this looks like in your agency
Same-day quote follow-up
Producer runs a quote Tuesday afternoon. Prospect goes silent. Two days later, they've bound coverage with a competitor. Woodpeker engages every quoted prospect within an hour with a tailored SMS conversation — confirming the quote, answering coverage questions within CSR scope, and booking a producer call-back when the prospect is ready to bind.
- Woodpeker: Sub-hour SMS follow-up on every issued quote
- Mockingjay: Outbound calls on engaged prospects who don't bind
Renewal retention
Carrier rate increase hits the renewal notice. Client opens the mail, sees the new premium, and starts shopping. Most agencies don't catch the lapse until after the policy is gone. Woodpeker runs proactive retention sequences 30, 60, and 90 days out with rate-explanation language and re-shop offers. Mockingjay calls high-value clients personally to retain the relationship.
- Woodpeker: Multi-touch SMS retention sequences pre-renewal
- Mockingjay: Outbound retention calls for high-value renewals at risk
Cross-sell & account rounding
Mono-line clients are the easiest sales you'll never make. Auto-only client has a home you've never quoted. Life-only client has no umbrella. Woodpeker runs targeted cross-sell sequences keyed to policy data — life events, mileage changes, mortgage refinances, policy anniversaries — and books the cross-sell appointment with your producer.
- Woodpeker: Account-rounding SMS sequences triggered by policy data
- Mockingjay: Outbound cross-sell calls with warm transfer to licensed producer
Claims status communication
Claims-in-progress are the most emotionally charged client interactions in insurance. Nothing kills retention faster than a client who can't get a status update. Woodpeker sends milestone updates from your AMS — adjuster assigned, inspection scheduled, settlement offered. Mockingjay calls clients personally when claims drag past expected timelines.
- Woodpeker: Automated claims milestone SMS updates from your AMS
- Mockingjay: Outbound check-in calls on stalled or complex claims
Lapse warning & reinstatement
Premium payment failed. Grace period started. Most agencies catch this when the policy is already lapsed — and the client has already moved on. Woodpeker engages immediately on payment failure with payment update flows. Mockingjay calls clients who don't respond to SMS, with reinstatement options before coverage drops.
- Woodpeker: Payment failure SMS sequences with secure payment link delivery
- Mockingjay: Outbound calls on lapse warnings with reinstatement guidance
Built for insurance's regulatory reality
DOI rules, anti-rebating, and producer scope built in
Insurance is regulated at the state level by 51 different insurance departments, each with its own advertising rules, anti-rebating statutes, replacement disclosure requirements, and producer licensing scope. Both products are engineered with state-by-state compliance configuration, anti-rebating language guardrails, and a hard line between producer activity (requires licensure) and customer service activity (does not).
Producer scope guardrails
- •AI never quotes premiums, binds coverage, or makes policy changes
- •Quote and bind conversations route to licensed producers via warm transfer
- •CSR-scope conversations only — service, claims, retention, scheduling
DOI advertising rule compliance
- •Outreach language reviewed against state DOI advertising regulations
- •No misleading claims, guarantees, or unfair comparisons
- •Required disclosures, agency identification, and license numbers included
Anti-rebating & inducement guardrails
- •No improper inducements, gifts, or premium rebates in outreach
- •Promotional language reviewed against state anti-rebating statutes
- •Permissible value-add activities (educational content, safety info) only
TCPA & CAN-SPAM compliance
- •No number contacted without verified opt-in from the prospect or client
- •Prior consent language reviewed for each lead source
- •STOP and opt-out keywords honored automatically and instantly
Replacement disclosure handling
- •Life and annuity replacement conversations flagged to producers, not handled by AI
- •NAIC model regulation language applied to applicable lines
- •Suitability and best-interest considerations routed to licensed agents
HIPAA-aware health line handling
- •PHI never collected or transmitted by AI on health, Medicare, or supplemental lines
- •Health-related conversations routed to licensed agents only
- •Business associate agreement available for HIPAA-applicable deployments
What agencies see
The math that makes this work
2-3x
Quote-to-bind conversion lift
+12%
Retention rate improvement on at-risk renewals
1.6x
Account rounding multiplier on mono-line clients
$0
Additional CSR headcount needed for service coverage
Outcomes vary based on agency size, book composition, lines of business, and existing service process. Figures reflect typical ranges across active deployments.
Pricing
Pick the product — or build your stack
Woodpeker AI
Woodpeker AI
$2,000buildout
+ $2,000/month · 6-month minimum, then month-to-month
- Same-day quote follow-up
- Renewal retention sequences
- Cross-sell and account rounding
- Claims milestone updates
- Lapse warning and reinstatement
- Two-way SMS with AI handling
- AMS integration (AMS360, EZLynx, HawkSoft, Applied Epic)
- A2P 10DLC registration included
Mockingjay AI
Mockingjay AI
Starter — Replace your answering service
4-month prepay$997 + $2,800 · $700/mo
Most popular6-month prepay$997 + $3,750 · $625/mo
12-month prepay$997 + $6,497 · $541/mo
Plus $0.14/min usage (billed monthly).
Standard — Full Mockingjay deployment
$1,200buildout
+ $1,499/month · 6-month minimum, then month-to-month
- 24/7 service line coverage
- Outbound renewal retention calls
- Claims status check-in calls
- Cross-sell warm transfers to producers
- Lapse warning and reinstatement calls
- Custom voice persona
- Live transcripts and CRM logging
Most popular
Growth System
CHAARM Growth System
$2,497buildout
+ $2,997/month · 6-month minimum, then month-to-month. Save $3,700+ vs. buying separately.
- Everything in Woodpeker
- Everything in Mockingjay
- Unified compliance reporting
- Cross-product workflow automation
- Dedicated success manager
- Priority A2P throughput
- Multi-office and group pricing available
CHAARM Visibility
Audit from $1,997 · Pro from $1,799/month
Multi-state agencies, MGAs, and IMOs receive custom pricing. Contact us for a tailored proposal.
Agency operator questions
Yes — with different configurations per line. P&C agencies use the full feature set (quote follow-up, renewal retention, cross-sell, claims). Life and annuity deployments emphasize relationship outreach and beneficiary review prompts, with replacement-conversation routing to licensed agents. Health and Medicare deployments are HIPAA-aware and configured to never collect PHI. We tailor the deployment to your line mix at onboarding.
Stop letting renewals lapse and quotes go cold
Book a 30-minute walkthrough. We'll review your current outreach process, demo a live retention call, and map out a deployment plan configured to your lines of business and state mix.