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Every chat, quote, and email updates the household record on its own. Bob watches renewal dates and life events, and drafts the right nudge in your brand. A licensed adviser approves anything that is advice, under your FAP.
Bob does the watching and the drafting. A licensed human owns any outreach that is advice. Here is the whole loop, and where a person always steps in.
A chat, a quote, an email: each one updates the household record on its own, so contacts and policies stay current without anyone re-keying a thing.
No re-keying
Renewal dates read straight from your policies, and life events the customer shares or that show up on file, put the right household in front of your team early, not late.
Renewals and life events
For each one, Bob prepares the outreach in your firm's voice, grounded in what is actually on file. Never generic, never invented, never a promise about price.
In your brand
Nothing that is advice goes out on its own. Your adviser reviews the draft, edits or approves it, and sends under your FAP, with the whole thread on the record.
A human owns advice
A general CRM is a set of boxes someone has to fill in. Bob's record is the Household Graph: it grows from every interaction, keeps who is who, and remembers goals and life events, so no one is ever told twice.
An example of the renewals view in your workspace. Bob lines up who is due, drafts the outreach in your voice, and holds anything that is advice for a licensed adviser to approve. Illustrative data.
Kia ora Priya, a quick heads-up from Northwind: your health cover renews on 21 September. Nothing changes on its own. If you would like to look at it together before then, just reply and we will set up a time.
Prepared by Bob, your AI assistant. A licensed adviser reviews before this is sent.
When a new intake looks like someone already on file, Bob does not quietly merge them. It holds the write, shows you the matching signals, and logs whatever you decide, so the record stays clean without a person losing control of it.
A generic CRM waits for someone to type. A spreadsheet waits and forgets. Bob keeps the record current and drafts the outreach, then holds anything that is advice for a licensed adviser.
| A generic CRM | Bob | Manual / spreadsheet | |
|---|---|---|---|
| Records update from every interaction | No | Yes | No |
| Watches renewals and life events | Date reminders only | Yes | By hand |
| Remembers goals and life events on file | No | Yes | No |
| Drafts outreach in your firm's voice | No | Yes | By hand, slower |
| A licensed adviser approves any advice | Not built in | Yes | If you remember |
| Every step on the record for audit | Varies | Yes | Manual |
Bob starts as a copilot. It watches, drafts, and remembers; your adviser reviews and sends. You turn up autonomy per action as trust builds, within limits you set.
Every firm on Bob is a separate tenant with its own Household Graph. One firm's contacts, notes, and memory are never visible to another, and they are never pooled into a shared model. Health details stay in region, scoped per person, and are never used to match people or to train anything shared. Your book stays yours.
Bob lines up who is due and prepares the outreach, but it does not send anything that is advice on its own. A licensed adviser reviews the draft, edits or approves it, and sends it under your FAP. Nothing that counts as advice leaves without a human.