IRDAI-compliant disclaimers · Lifelong per-customer memory · 5 Indian languages · Razorpay first-premium collection
Skillies handles the four hardest insurance conversations — pre-existing-disease quoting, renewal recovery, voice-note triage, mid-policy endorsements — without a human awake. IRDAI-clean by default. Built for brokers and agencies who want to keep every commission rupee.
What just happened: pre-existing-disease conversation handled at 11:30 PM with IRDAI-compliant phrasing, three plans matched against the stated condition, tele-medical scheduled — all in under 90 seconds without a human awake.
Of insurance Meta leads die because nobody answered 'will my diabetic father get cover' fast enough — and at the right hour.
Average cost per qualified term-life lead in Tier-1 metros. Comparison-shopping behaviour means you lose the lead in 24 hours if not engaged warmly.
Tele-counsellor turnover · every quit means re-training someone on your carrier panel + commission structure + IRDAI compliance.
Customer says 'my father has diabetes.' Agent responds with carrier-specific underwriting (loading 25-40%, possible 30-day waiting period for diabetes-related claims) — never says 'no problem' or 'guaranteed cover'.
Aadhaar, PAN, medical reports, bank statement — chased over weeks with respectful reminders, document-vision validates before submission. Underwriter doesn't get half-complete files.
Customer asks 'will the claim actually pay out?' Agent quotes carrier-specific Claim Settlement Ratio + mentions IRDAI grievance redressal route — facts, not pressure.
Same customer comes back 6 months later for parent's health cover. Agent remembers the term-life policy from earlier, the family medical history shared, the budget tolerance — picks up where the human counsellor left off.
Ask 'how much premium for ₹1Cr term cover, age 38, non-smoker.' Then drop in 'my mom has diabetes.' See how the agent answers calmly, with carrier-specific facts — never with pressure.
setup · then Tier-based · ₹50K (Solo) → ₹1.85L (Pro+) · pay the tier you hit
“We were losing 6 leads a day to 'I'll think about it' — buyers who never came back. The agent calls them back at the right time with the right question. Closure rate up 31%.”
Anwar M. · Founder · 6-agent insurance broker, Calicut
30 minutes, no slides. I'll show you the agent on your last 5 prospect conversations · we'll see together where it would have caught what your team missed.