Life Insurance
AI Lead Generation for Life Insurance Companies
MORE APPOINTMENTS.
FEWER DEAD LEADS.
Life insurance economics live and die on contact rate. We deploy AI agents that reach every lead in seconds, qualify on need and affordability, and put booked appointments in your advisers' diaries.
24–48h
From kick-off to live agents
<60s
Target speed-to-lead on new enquiries
24/7
Contact and booking coverage
100%
Conversations logged and auditable
WHAT ACTUALLY BREAKS.
- Bought leads decay within minutes and advisers cannot dial fast enough to hold contact rate
- Advisers spend the day prospecting instead of advising
- Aged lead banks sit unworked because there is no economic way to call them again
- Compliance cannot easily evidence what was said before an appointment
THE BUYING JOURNEY.
01
Trigger
Mortgage, new child, bereavement or a comparison-site visit creates the need.
02
Contact
Whoever reaches the lead first, within minutes, usually holds the appointment.
03
Qualification
Cover need, age band, health disclosures at a high level, affordability and availability.
04
Advice and application
Regulated adviser conducts the fact-find, recommends and submits. Underwriting follows.
THE WORKFLOWS.
Speed to lead
- 1.Lead lands in the CRM or lead platform
- 2.ARIA attempts contact within seconds across the permitted channel
- 3.Need, age band, affordability and availability captured; no advice given
- 4.Appointment written into the adviser diary with the brief attached
- 5.Non-contacts moved onto a retry cadence rather than being abandoned
Lead-bank revival
- 1.Aged records segmented by source, age and last outcome
- 2.Suppression and consent state checked before any contact
- 3.HERALD re-engages with a permission-first message
- 4.Responders handed to ARIA for qualification and booking
Vulnerability handling
- 1.Vulnerability indicators detected in the conversation
- 2.Qualification stops immediately
- 3.Warm transfer or priority callback to a named human adviser
- 4.Flag written to the record with the transcript
SYSTEMS & CHANNELS.
Common CRM systems
- Salesforce Financial Services Cloud
- HubSpot
- Zoho
- Bespoke lead-distribution platforms
Acquisition channels
- Bought and shared leads
- Comparison sites
- Paid search and paid social
- Introducer and mortgage-broker networks
Integrations we connect
- CRM and lead-distribution platform
- Adviser calendars
- Telephony with call recording
- Comparison-site and lead-vendor feeds
- Consent and suppression registers
Third-party product names are the trade marks of their owners and are listed because they are common in this sector — not to imply a partnership or certification. Where a platform has no open API we say so before we start.
KPIS THAT MATTER HERE.
- Contact rate within 60 seconds
- Lead to appointment rate
- Appointment attendance rate
- Cost per submitted application
- Aged records reactivated
EXAMPLE ROI MODEL.
Formulas, not forecasts. Run them on your own figures — nothing below is a guaranteed or measured result.
- Contact uplift
- (Modelled contact rate − current contact rate) × monthly lead volume
- Extra appointments
- Additional contacts × your appointment conversion rate
- Revenue effect
- Extra appointments × placement rate × average commission or premium value
- Adviser time released
- Dial hours removed × loaded adviser cost per hour
PROOF, HONESTLY.
Xiilio Ltd was incorporated on 23 January 2026 and publishes no case study for this sector. Rather than borrow someone else's numbers, here is exactly what we measure in an engagement — from your systems, against your baseline.
- Contact and appointment rates measured against your pre-deployment baseline
- Per-source reporting so poor lead vendors become visible
- Every call recorded, transcribed and available to compliance
WHAT YOU'RE PROBABLY THINKING.
"Consumer Duty makes this too risky."
The agent gathers information and books time with a regulated adviser. It gives no advice, makes no recommendation, and evidences every word.
"Our leads are too price-sensitive for automation."
Pricing is an adviser conversation. The agent's job is to be first to the lead and to confirm the appointment.
"Customers can tell it is a bot."
It says so. Disclosure is standard and handover to a human is always one request away.
GUARDRAILS.
Compliance
- FCA Consumer Duty-aware scripting — information gathering, not advice
- Vulnerable-customer signals flagged and routed to a human adviser
- Consent and opt-out captured and stored on every contact
- Full call recording, transcript and audit trail
Security requirements
- No health disclosures beyond what booking requires
- Encryption at rest and in transit with UK/EU residency
- Role-based access and named-user audit
- Call recordings retained to your policy
- Consent and opt-out state authoritative in your CRM
Human approval required
- Scripts and disclosures compliance-approved before go-live
- Vulnerability flags escalate to a human immediately
- No application or recommendation without an authorised adviser
- Lead-bank re-contact lists approved before the first send
Xiilio holds no sector certification or regulatory approval, and nothing here transfers your regulatory responsibility to us. See Responsible AI for the full governance framework.
Frequently Asked
LIFE INSURANCE, EXPLAINED.
Straight answers on scope, compliance and how Xiilio deploys for life insurance companies.
- Does the AI sell or advise on policies?
- No. The agents qualify need and availability and book an appointment with a regulated adviser. Any advice, recommendation or application stays with your authorised people.
- Can it work our existing aged lead bank?
- Yes — that's usually the fastest win. HERALD re-engages unworked and aged records on a structured cadence, respecting consent and opt-out status.
- How do you handle vulnerable customers?
- Scripts include vulnerability signals. When one is detected the conversation stops qualifying and routes to a human adviser, with the flag recorded against the record.
- Where does the data live?
- In your CRM, plus our encrypted platform with UK/EU data residency, role-based access and full audit logging. See the security page for detail.