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Bob captures the risk in a short conversation and returns an itemised indicative estimate, with a confidence level and every assumption on the record. It stays indicative until your licensed adviser reviews and binds it under your FAP.
Quoting is the wedge Bob starts with. Here is the whole path, and where a licensed human always steps in.
Bob runs a short, plain-language conversation on your site, chat, or email, asking only what applies to this cover. No forms to wade through.
Life and health, in your brand
It turns the risk into a line-by-line estimate: a base rate, any loadings, and any discounts, each with the reason attached. Never a single opaque number.
Every line explained
Bob shows how sure it is in plain language and lists every assumption it made, so nothing is hidden. Low confidence is flagged, not glossed over.
Calibrated, not guessed
The estimate stays indicative. One of your advisers reviews it, adjusts if needed, approves, and binds under your FAP, with the whole thread on the record.
A human is accountable
A general chatbot hands over a figure with no working. Bob does the opposite: the estimate is built from lines you can see, each with a reason, a confidence level, and the assumptions behind it.
An example of the intake on your own site, in your brand. Bob discloses it is AI, keeps the estimate indicative, and hands the decision to a licensed adviser.
A general chatbot can produce a figure, but no one is accountable and there is no working. Manual quoting is trustworthy but slow. Bob keeps the speed and the accountability.
| A general chatbot | Bob | Manual quoting | |
|---|---|---|---|
| Itemised, explainable estimate | No | Yes | By hand, slower |
| Shows confidence and assumptions | No | Yes | No |
| Answers 24/7 in your brand | No | Yes | No |
| A licensed adviser is accountable | No | Yes | Yes |
| Every step logged for audit | No | Yes | Manual |
| 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 up autonomy per action as trust builds, within limits you set.
Every estimate is clearly labelled indicative. It is a starting point prepared by AI, not a bound policy and not final advice. A licensed adviser reviews it, confirms the numbers, and binds under your firm's FAP before anything is committed. Carrier-verified rating is on the roadmap; today's estimates use a transparent indicative model, with every decision logged and its sources cited.
No. It is an early estimate to get the conversation started, clearly labelled indicative. A licensed adviser confirms the numbers and binds the policy under your FAP. Until then, nothing is committed.