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Bob answers on your site, chat, and email in your firm's brand, 24/7. It asks only what applies, captures the risk for an indicative quote, and keeps a licensed human one tap away. It always says it is AI, and anything that is advice is held for a licensed adviser. Voice is on the roadmap.
The chat is the intake. Here is the whole path, and the point where a licensed human always takes over the advice.
Bob answers instantly on your site, chat widget, or email, in your firm's brand, and says up front that it is Bob, your AI assistant, with a person one tap away.
Always discloses it is AI
No rigid form. Bob asks the plain questions that matter for this cover and this customer, then stops when it has enough. No dead ends.
Life and health, in your brand
Bob turns the conversation into a clean risk profile and prepares an indicative estimate, with every assumption on the record for a human to check.
Feeds an indicative quote
Anything that counts as advice is held for one of your advisers to confirm and bind under your FAP. Bob never binds and never advises on its own.
A human is accountable
A general widget forgets you the moment you close the tab. Bob does not. It keeps one memory of the household and one set of guardrails across your site, chat, and email, so a late-night enquiry can be picked up the next morning without anyone starting over.
Bob discloses it is AI, asks only what applies, and turns the conversation into a captured risk and an indicative estimate. The advice is then handed to a licensed adviser.
A general chatbot chats but captures nothing and answers to no one. A web form captures fields but cannot hold a conversation or carry it across channels. Bob does both, and keeps a licensed human accountable.
| A general chatbot | Bob | A web form | |
|---|---|---|---|
| Holds a real conversation | Yes | Yes | No |
| Asks only what applies to this cover | No | Yes | No |
| Captures the risk for an indicative quote | No | Yes | Fields only, no pricing |
| Carries the thread across chat and email | No | Yes | No |
| Discloses it is AI, human one tap away | No | Yes | No |
| Advice held for a licensed adviser | No | Yes | No |
| Every step logged for audit | No | Yes | Manual |
The same conversation serves both sides: the customer gets an instant, human answer, and your adviser gets a ready-to-review handoff with nothing lost.
Bob answers factual questions, captures the risk, and prepares an indicative estimate, and it always says it is AI with a person one tap away. The moment something counts as advice, Bob holds it for one of your licensed advisers to confirm under your firm's FAP. Bob never binds a policy and never gives advice on its own. Every step is logged with its reasoning, so the whole thread is audit-ready.
Today Bob answers on your website, a live chat widget, and email, all in your firm's brand. It carries one memory of the customer across them, so a conversation that starts in chat can finish by email without anyone repeating themselves. Voice and phone answering are on the roadmap, not live yet.