Renewal notices never get read
Inbox open rates on renewal mailers are in the single digits. The lapse happens silently and the policy is gone before anyone in retention notices.
Tells delivers policy renewals, claim status, payment reminders, and new-policy onboarding via SMS for direct insurers. Higher retention, faster claim acknowledgment, no missed payments. Carrier-direct routes for licensed insurers only, NAIC and state-license aware.
The problem
Policyholders miss renewal notices in the inbox and lapse out. Claims go silent and customers churn to a competitor with a better text relationship. SMS is direct, compliant, and fast, and Tells ships it on infrastructure built for licensed direct insurers under the right CTIA and carrier program rules.
Inbox open rates on renewal mailers are in the single digits. The lapse happens silently and the policy is gone before anyone in retention notices.
The customer just filed a claim. Hours of silence after FNOL is the moment they start shopping competitors. A 2-minute SMS acknowledgment defuses the whole churn arc.
A failed auto-pay turns into a 30-day reinstatement scramble and a regulator letter if the disclosure language is wrong. Text-first reminders cut both the dunning cost and the compliance risk.
Consumer SMS tools have no carrier-licensed routing, no NAIC posture, no per-state disclosure templating. Compliance kicks the project back before the first send.
Where it shows up
Six recurring use cases that cover the bulk of policyholder-facing SMS for P&C, life, and specialty insurers. Each one ships with the per-state regulatory copy and consent posture pre-mapped.
60-day, 30-day, and day-of touches with a one-tap payment link. Stops silent lapses, keeps the book intact, and feeds the retention dashboard with real signal.
SMS confirmation within minutes of first notice of loss, status updates through adjustment, and resolution close-out. Cuts FNOL anxiety and the related churn arc.
Auto-pay confirmations, declined-payment retry, late-notice cadences with reinstatement language. Drops the dunning cost and keeps the policy in force.
Welcome series, digital ID-card delivery, agent contact, and portal walkthrough. The first 30 days are when the customer decides whether you exist, and SMS makes sure you do.
Missing form, signature, photo of damage, proof of garaging. One-tap secure upload link by SMS instead of a "log into the portal" email that the customer ignores.
Coverage check-ins, life-event reviews (marriage, home purchase, new driver), and agent-appointment booking. Turns the annual review from a calendar reminder into a real conversation.
Why Tells
Tells provisions insurance SMS the way a compliance officer would, not the way a generic marketing API would. License posture verified up front, per-state copy in the template library, audit trail per send, and a claims-SLA dashboard your VP of Operations actually wants to see.
Per CTIA and carrier program rules, lead-gen, quote-comparison aggregators, and "we connect you with an agent" workflows are not provisioned on Tells routes. License posture is verified before campaign approval, not after the first rejection.
Disclosures and routing adjust by jurisdiction. CA, NY, TX, FL, and the rest of the 50 each get the right notice language attached to the right send based on the policyholder's state of record.
Encrypted at rest and in transit, US-based operations, role-based access, tamper-evident audit log per send. Same carrier-direct routes that power high-volume SMS, with insurance retention windows on top.
FNOL acknowledgment time, status-cadence adherence, complaint-response latency dashboarded by line of business. Integrations sync back into the claims platform so the report writes itself.
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Read more →Renewals, claims, payments, onboarding. Built for direct insurers, with NAIC and state-license routing on the platform side. Pilot in two weeks on one line of business and measure the renewal-rate lift against your last 90 days.
Yes, when the insurance carrier or agency has documented express written consent from the consumer. Tells enforces TCPA-compliant opt-in language at form submission and stores the consent record for compliance audit.
Under 3 seconds. For high-velocity insurance verticals (auto, home, life), Tells AI agents qualify intent, capture key information, and route the lead to a human agent or directly book a callback, all in the first minute.
Yes. Tells enforces per-state rules on time-of-day, message frequency, and consent disclosure language. State-specific compliance rules are reviewed quarterly.
Tells can trigger automated SMS sequences when a quote is generated, when documents are pending, when policy renewal is approaching, or when a claim status changes. Each sequence is tied to a compliance-reviewed template.
Industry data shows leads contacted within 60 seconds convert at 7 times the rate of leads contacted at 5 minutes. Tells AI agents respond in under 3 seconds, capturing leads in the highest-conversion window.
Yes. Tells integrates with major insurance CRMs (Salesforce, HubSpot, Zoho, and insurance-specific platforms like Velocify, AgencyZoom). API-level integration is available for custom systems.