bestaiagents

6 ranked · 6 total

Updated Nov 4, 2026

Best AI Agents for Insurance in 2026

Sonant is the best AI agent for independent insurance agencies: it answers calls 24/7, handles quote intake and service requests, and writes summaries to Applied Epic, EZLynx, HawkSoft and other AMS platforms. Carriers automating claims and servicing should look at Liberate. Large insurers wanting one agent across chat, voice and email can consider Ada or Decagon.

Ranked by what each agent actually does unattended, pricing clarity and fit for small teams. How we rank.

At a glance

#AgentBest forPriceAutonomy
1Sonant logoSonantIndependent P&C agenciesContact salesAutonomous
2Liberate logoLiberateCarriers automating FNOLContact salesAutonomous
3Structurely logoStructurelyReal estate and mortgage lead follow-upContact salesAutonomous
4Ada logoAdaInsurance and financial services supportContact salesAutonomous
5Decagon logoDecagonHigh-volume consumer supportContact salesAutonomous
6Smith.ai logoSmith.aiLaw firms and professional servicesFree · from $150/moAutonomous
Sonant logo
#1Top pick

Sonant

AI receptionist for P&C insurance agencies, connected to your AMS

Sonant is an AI receptionist for property and casualty insurance agencies, brokers and distributors. It answers calls 24/7, handles quote intake and service requests, books appointments and transfers calls to agents, then writes call summaries to the agency system. It is an Applied Epic certified partner and integrates with EZLynx, HawkSoft and AMS360.

Why it's here

  • Insurance-specific call handling
  • Writes to your AMS
  • Multilingual

Watch out for

  • No published pricing
  • Only fits insurance agencies
  • Requires a demo to start
Contact salesAutonomous
Liberate logo
#2

Liberate

Insurance-native AI agents for claims, service and sales

Liberate is an AI agent platform for insurance carriers that handles conversations across voice, SMS, email and digital channels. Its agents take first notice of loss, give claim status, process billing and policy servicing, and qualify and bind sales leads. It integrates with Guidewire, Duck Creek, Applied, Vertafore and Snapsheet.

Why it's here

  • Built by insurance people for insurance workflows
  • Core-system integrations
  • Voice and digital channels

Watch out for

  • Carrier-focused, not small agencies
  • No public pricing
  • Enterprise implementation
Contact salesAutonomous
Structurely logo
#3

Structurely

AI inside sales agent for calls, texts and email follow-up

Structurely is a conversational AI platform that handles calls, texts and emails to qualify leads, book appointments and transfer hot leads to staff. Real estate and mortgage teams are core use cases, and it syncs outcomes back to the CRM. Plans need a sales call, with usage from $0.07 per voice minute.

Why it's here

  • Voice, SMS and email in one agent
  • Live transfers to staff
  • Salesforce dialer and CRM sync

Watch out for

  • Platform fee not published
  • Usage metered on top
  • Setup needs a sales process
Ada logo
#4

Ada

Enterprise AI customer service agent for voice, messaging and email

Ada is an AI customer service platform whose agents resolve inquiries and take actions across voice, messaging and email. It includes tools to test, measure and coach the agent, plus Playbooks for multi-step procedures. It focuses on enterprise CX teams in ecommerce, finance, gaming, travel and insurance.

Why it's here

  • Voice, messaging and email
  • Built-in testing and coaching
  • Playbooks for complex procedures

Watch out for

  • No public pricing
  • Not built for small teams
  • Requires integration work to take actions
Contact salesAutonomous
Decagon logo
#5

Decagon

Enterprise AI concierge for chat, email and voice support

Decagon is an AI customer service platform that runs support agents across chat, email and voice from one intelligence layer. Teams define workflows as Agent Operating Procedures written in natural language rather than code-like config. It sells to large companies in fintech, travel, healthcare, retail and insurance.

Why it's here

  • Single agent across three channels
  • Natural-language procedures
  • Built for enterprise scale

Watch out for

  • No self-serve or public pricing
  • Aimed at large companies
  • Requires a sales-led rollout
Contact salesAutonomous
Smith.ai logo
#6Free option

Smith.ai

AI receptionist with live North America-based receptionists as backup

Smith.ai is an answering service that combines an AI receptionist with human receptionists who can take over calls. The AI answers, qualifies and routes calls, and complex calls can be transferred to a live receptionist at any hour. It connects to CRMs and scheduling tools and is popular with law firms and service businesses.

Why it's here

  • Live receptionists available as backup
  • Free AI plan to start
  • Clio, HubSpot and Salesforce integrations
  • Can take payments via LawPay, Square, PayPal

Watch out for

  • Priced per call, which adds up for busy lines
  • Human plans are much pricier than AI-only rivals
  • Extra CRM integrations cost per call
Free · from $150/moAutonomous

Best AI Agents for Insurance: FAQ

Can an AI agent sell insurance or give coverage advice?

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Advice and binding generally require a licensed person, so agency tools focus on intake, service requests and routing. Liberate's carrier agents can handle rating and binding inside the carrier's own rules.

Does it integrate with Applied Epic?

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Sonant is an Applied Epic certified integration partner and also integrates with EZLynx, HawkSoft, AMS360 and AgencyZoom. Liberate integrates with Applied, Vertafore, Guidewire and Duck Creek.

How much does an AI receptionist for an insurance agency cost?

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Sonant quotes based on call volume and number of offices rather than publishing a price. A general AI receptionist like Rosie or Dialzara starts under $50 a month but won't connect to your AMS.

Can AI handle first notice of loss (FNOL)?

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Yes. Liberate's agents take FNOL by voice and digital channels and give claim status updates for carriers.

What about life insurance lead follow-up?

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Structurely lists life insurance among its use cases for qualifying leads by call, text and email and transferring hot leads to agents.