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AI Tools for Insurance Agents
AI tools that help insurance agents find new clients, research coverage options, generate quotes, follow up on leads, and build a growing personal lines and life insurance book of business.
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Works in Chat, Cowork and Code
NameNeighborhoodHome value
Tyler & Jessica MorrisGermantown$485,000
David NguyenEast Nashville$392,000
Sarah & Mike BrennanGreen Hills$610,000
Carlos MendezBellevue$340,000
4 of 84 recent homebuyer matches · Nashville metro
Lead generation for personal lines
Find homeowners, renters, new parents, and life stage trigger events that signal insurance needs. Build prospect lists of people who recently bought homes, had children, got married, or retired — the key life events that drive insurance shopping.
Find people who recently purchased homes in the Phoenix metro area and might need homeowners, auto, and umbrella coverage. Focus on first-time buyers and people who relocated from out of state.
Found 84 recent home purchase records in the Phoenix metro. 31 show previous out-of-state addresses (relocation triggers). 18 are first-time buyers based on no prior mortgage records. All profiles include name, property address, estimated home value, and any available contact information. Strong pipeline for a homeowners and auto bundle conversation.
ToolRouter find_leads
NameCityHome value
Ryan & Amy KowalskiScottsdale$520,000
Priya SharmaTempe$370,000
James OrtegaChandler$440,000
Lisa & Tom ParkGilbert$580,000
84 total matches · 31 relocations · 18 first-time buyers
Coverage and product research
Research insurance product options, coverage terms, exclusions, and carrier comparisons for any line of business. Get the details you need to explain policies clearly and recommend the right coverage for each client's situation.
A client just turned 65 and is asking about Medicare supplement plans. What are the differences between Plan G and Plan N, and which one is typically the better value for someone in good health who rarely needs medical care?
Plan G covers all Medicare cost-sharing except the Part B deductible ($240/year). Plan N covers the same gaps but requires copays up to $20 per doctor visit and $50 per ER visit. For a healthy 65-year-old with low utilization: Plan N typically saves $50-120/month in premium vs. Plan G and the math favors N unless they have frequent doctor visits. Key consideration: Plan N has doctor balance billing exposure — Plan G does not.
ToolRouter research
| Plan G | Plan N |
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Client needs analysis research
Research the specific risks and needs that apply to a client's situation — their occupation, location, property, health conditions, or life stage. Tailor your coverage recommendations with data rather than generic scripts.
A new client just bought a home in coastal Mississippi. Help me explain the hurricane and flood risks in their area and why they need separate flood coverage beyond their homeowners policy.
Harrison County, MS (coastal Mississippi): Hurricane landfall probability in any given year is 4-6% for Category 1+. Historical major impacts: Katrina 2005 (Category 5 landfall nearby), Camille 1969. Standard homeowners policies exclude flood damage — 100% of Mississippi Gulf Coast flood claims go through the NFIP. Average NFIP claim in this region post-Katrina: $84,000. Flood insurance is not optional here.
ToolRouter get_forecast
Hurricane probability
4–6% annual chance of Category 1+ landfall
Historical storms
Katrina 2005 (Cat 5 nearby), Camille 1969 — direct impacts
Flood zone
FEMA Zone AE/VE — mandatory flood insurance with federally backed mortgage
HO-3 flood exclusion
100% of coast flood claims go through NFIP — not HO coverage
Average NFIP claim
$84,000 for Gulf Coast properties post-Katrina
Drug and prescription plan research
Look up medications a client takes to help them choose the right prescription drug plan. Check formulary coverage, typical costs, and what questions to ask carriers about coverage for specific medications.
A client takes Eliquis (apixaban) daily for atrial fibrillation and is comparing Medicare Part D plans. What should they know about Eliquis coverage and cost variability across Part D plans?
Eliquis is a Tier 4 or Tier 5 specialty drug on most Part D formularies — cost can vary from $50/month with manufacturer coupons to $400+/month depending on the plan tier and whether the plan covers the brand vs. requiring prior authorization. Key action: use Medicare Plan Finder to compare formulary placement by plan, and check Eliquis's patient assistance program for income-qualified clients.
ToolRouter get_drug_info
FDA indication
Atrial fibrillation, DVT/PE treatment and prevention
Formulary tier
Tier 4–5 (specialty) on most Part D plans
Cost range
$50–$400+/month depending on plan tier and prior auth
Manufacturer program
BMS/Pfizer patient assistance available for income-qualified
Action
Compare formulary placement across plans using Medicare Plan Finder
Life insurance needs research
Research life insurance products, underwriting guidelines for health conditions, and policy comparison data. Help clients understand term vs. permanent insurance, coverage amounts, and how their health history affects pricing.
A 42-year-old client has Type 2 diabetes managed with Metformin and wants $500,000 of term life insurance. What should I know about how carriers will underwrite this risk?
Type 2 diabetes on Metformin alone with good A1C control (under 7.0): most carriers will offer Standard or Standard Plus rates — not the best but insurable. Key underwriting factors: A1C levels, duration of diagnosis, BMI, blood pressure, and absence of complications. Some carriers (Protective, Banner, Pacific Life) are known to be favorable for well-controlled Type 2. Recommend having client pull lab work before applying.
ToolRouter research
Expected rate class
Standard or Standard Plus with controlled A1C (<7.0)
Key underwriting factors
A1C, duration of diagnosis, BMI, blood pressure, complications
Favorable carriers
Protective, Banner Life, Pacific Life known for T2D applicants
Premium impact
Standard vs. Preferred Plus: ~40–60% higher annual premium
Action
Pull recent lab work before submitting — A1C is the key number
Continuing education and product knowledge
Stay current on insurance products, regulations, and market changes. Research state-specific licensing requirements, new product launches, and regulatory changes that affect the products you sell.
What are the continuing education requirements for life and health insurance license renewal in Georgia? And are there any CE credits required specifically for selling Medicare products?
Georgia life and health license renewal: 24 CE credits per 2-year cycle. 3 credits must be in ethics. For Medicare Supplement and Medicare Advantage products: AHIP certification required annually (6 hours) — this is a carrier/CMS requirement, not a state CE requirement but is mandatory for all agents selling Medicare products. AHIP must be renewed every year before AEP.
ToolRouter search_actions
Total CE required
24 credits per 2-year renewal cycle
Ethics requirement
3 credits must be in ethics
AHIP for Medicare
6 hours annually — carrier/CMS requirement for MA/Medigap agents
AHIP renewal timing
Must complete before Annual Enrollment Period (Oct 15)
License type
Life & Health — separate from P&C license requirements
Ready-to-use prompts
Find life insurance prospects
Find professionals aged 30-45 in Charlotte, NC with young families who recently purchased homes. These are ideal prospects for term life insurance and a homeowners bundle.
Research homeowners coverage
Research what homeowners insurance typically does and does not cover in California wildfire zones. Include which carriers are still writing new policies, typical premium ranges, and what FAIR Plan coverage offers as an alternative.
Medicare plan comparison
Compare Medicare Advantage vs. Medicare Supplement (Medigap) for a healthy 65-year-old retiree in Florida. What are the main tradeoffs in terms of cost, flexibility, and out-of-pocket risk?
Flood risk research
Research the flood risk for ZIP code 77494 (Katy, TX) — include FEMA flood zone designation, historical flood events, and why separate flood insurance is recommended beyond a standard homeowners policy.
Look up a prescription drug
Look up Jardiance (empagliflozin) — what is it prescribed for, what is the typical monthly cost without insurance, and are there any important drug interactions or contraindications I should know when discussing coverage?
Auto insurance research
Research average auto insurance rates for a 25-year-old male driver with a clean record in Texas. Include the minimum required coverages, recommended limits, and what factors most affect premium pricing.
Check CE requirements
What are the continuing education requirements to renew an insurance license in Florida for life, health, and property and casualty lines? Include any Florida-specific required course topics.
Find nearby businesses to prospect
Find small business owners within 5 miles of downtown Denver, CO who employ 5-25 people and might need group health insurance, business owners policy, and key person life insurance.
Tools to power your best work
Weather ForecastWeather, air quality & UV anywhere
Content RepurposerTurn any content into posts, scripts, and articles
Deep ResearchAI research reports with citations
Drug InformationDrug info: recalls & side effects
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
Places SearchFind restaurants, shops & venues worldwide
165+ tools.
One conversation.
Everything insurance agents need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
New client needs assessment
Research a new client's specific risks, location exposures, and coverage needs before your first meeting.
Lead generation and outreach
Build a targeted list of prospects, research their needs, and create personalized outreach.
Medicare enrollment season preparation
Prepare for the annual Medicare enrollment period with product research and a targeted prospect list of turning-65 clients.
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Deep ResearchResearch current Medicare Advantage and Supplement plan changes for the upcoming plan year
Frequently Asked Questions
Can AI help me find life insurance prospects with trigger events?
Lead Finder can surface professionals matching demographics associated with life insurance need — age ranges, recent home purchases, and family formation signals. While it cannot directly identify life events like having a baby, filtering by recent homebuyers, young professional demographics, and relocation events gives you high-relevance prospect lists.
How accurate is the insurance coverage research from Deep Research?
Deep Research compiles information from public sources including insurance department filings, consumer guides, and industry publications. It is excellent for explaining coverage concepts, comparing product types, and researching regulatory requirements. For current carrier-specific pricing, always quote directly through carrier systems.
Can these tools help with Medicare plan selection for clients?
Deep Research can explain Medicare plan differences, research formulary considerations, and summarize plan type trade-offs. Drug Information helps verify medication coverage. For actual Medicare plan comparison and enrollment, direct your clients to Medicare.gov Plan Finder for current, real-time plan data.
How do I use Drug Information to help with health and life insurance?
Drug Information helps you understand what a medication is prescribed for, its typical usage, and any conditions it treats. This context helps you guide clients on whether a health condition may affect their life insurance underwriting classification and what to expect when applying.
What CE and licensing information can these tools provide?
Regulatory Actions searches for state insurance department bulletins and regulatory filings, which include CE requirement information. Deep Research can compile licensing requirements by state and line. Always verify current CE requirements directly with your state insurance department before submitting renewal applications.
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Works in Chat, Cowork and Code