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Bob answers on any channel in your brand, prepares an itemised indicative estimate, and hands each policy to a licensed adviser to bind, with every decision logged. Built for New Zealand under the FMA and FSLAA. The first live line is life and health.
The whole path a customer takes with Bob, and exactly where a licensed human always steps in. Quoting is the wedge Bob starts with, and the rest of the journey shares the same memory and the same guardrails.
A customer reaches your firm on your website, in web chat, or by email. Bob answers instantly in your brand, discloses it is AI, and runs the full intake, asking only what applies to this cover.
Any channel, your brand
Bob turns the risk into an itemised indicative estimate: a base rate, any loadings, any discounts, each with a reason and a confidence level. Clearly labelled indicative, never a single opaque number.
Every line explained
One of your advisers reviews the estimate and every assumption, adjusts if needed, approves, and binds under your FAP. A human stands behind every decision. Bob never binds.
A human is accountable
Reason codes and cited sources are recorded end to end in an append-only log, so the whole thread is explainable and audit-ready for the FMA.
On the record
To your customer and your staff, Bob is one assistant. Under the surface it is a team of specialist agents that share one memory of the household and one set of guardrails: simple on top, compounding underneath. Compliance is not a peer the router can skip, it wraps every hand-off.
An example of the intake on your own site, in your brand. Bob discloses it is AI, keeps the estimate indicative, hands anything that is advice to a licensed adviser, and logs every step.
Start in web chat and finish by email: Bob keeps one memory of the conversation across every surface, with the same guardrails on each. Voice answering is on the roadmap.
Answers on your own site, in your brand.
A live widget that runs the full intake.
Picks up a thread and carries the context.
Inbound phone answering.
A general chatbot can hold a conversation, but no one is accountable and nothing is on the record. The old way is trustworthy but slow and stitched across tools. Bob keeps the speed and the accountability.
| A general chatbot | Bob | The old way | |
|---|---|---|---|
| Answers on web, chat, and email in your brand | No | Yes | Office hours only |
| Itemised, explainable indicative estimate | No | Yes | By hand, slower |
| One memory across every channel | No | Yes | No |
| A licensed adviser reviews and binds | No | Yes | Yes |
| Every decision logged for audit | No | Yes | Manual |
| Tenant-isolated, health data in region | No | Yes | Varies |
| Binds the policy | No | No, hands to a licensed human | Yes, the adviser |
Bob starts as a copilot. It prepares and explains; your adviser reviews, adjusts, and binds. You turn autonomy up per action as trust builds, within the limits you set.
The autonomy sits on a foundation you can show a regulator: copilot-first control, a full audit trail, and strict tenant isolation.
Bob starts as a copilot: a licensed adviser approves every quote. Turn autonomy up per action as trust builds, within limits you set.
Every decision is logged with reason codes and cited sources in an append-only record, ready for a regulator.
Each firm's data and knowledge stay isolated. Sensitive and health data is handled in region and never used to train shared models.
Bob's estimates are clearly labelled indicative: prepared by AI, not a bound policy and not final advice. Anything that counts as advice is held for a licensed adviser to approve under your firm's FAP. Carrier-verified rating is on the roadmap; today's estimates use a transparent, itemised model, with every decision logged and its sources cited. The first live line is life and health, in New Zealand.
Six surfaces, one assistant and one memory underneath. Start with the quote journey, and the rest is ready when you are.
Conversations that answer and quote, on web, chat, and email.
A clear, itemised estimate with the reasoning shown.
The pipeline and renewals that keep the relationship warm.
Assessed from photos, prepared for an adviser to settle.
Answers grounded in your firm's own documents.
Explainable, audit-ready, and secure by design.
No. Bob does the legwork: it answers, runs the intake, and prepares the indicative estimate. Anything that counts as advice is held for a licensed adviser to review and bind under your FAP. Bob starts as a copilot, and a human is accountable for every decision.