VoiceOI is an outbound AI voice agent for insurance call centers and agencies. It calls the new and aged leads in your campaigns, asks your pre-qualification questions, and live-transfers interested prospects to your licensed agents. It is built to qualify and transfer, not to quote, sell or service policies.
VoiceOI makes the first call on your outbound campaigns, so licensed agents talk with people who are ready to discuss coverage.
Call the leads you load each day, from a CSV upload or your VICIdial lists, before they go cold.
Work through older leads your agents never had time to dial, and record what each one said.
Retry leads who didn't answer, inside the calling windows and retry rules you set, and log what each one said.
Ask your own questions, such as birth year, zip code and current coverage. On the Good Fronter tiers, the bot also verifies age and zip against your rules.
Leads who qualify go to a licensed agent on the live call, picked by your routing rules.
It is the AI fronter for call centers model, applied to insurance.
Some insurance AI voice agents are built for inbound calls. Sonant, for example, says its agents “handle inbound calls, and write every detail back to your AMS in real time,” and Floatbot's insurance page describes an AI receptionist that answers and routes incoming customer interactions and handles First Notice of Loss submissions. VoiceOI focuses on outbound lead calls. It doesn't answer inbound calls, take claims or connect to an AMS.
Sources: Sonant, AI Voice Agents and Floatbot, AI for insurance agencies, both reviewed October 2026. Check their sites for current features.
Each call follows the same path, whether bots dial through VICIdial or through the built-in dialer.
Upload a CSV lead list to the built-in dialer, or keep your lists in VICIdial, where bots join as remote agents. Filter by state, area code or zip so a campaign only dials leads in states where your agents hold licenses.
The campaign calls on the schedule, retry rules and timezone windows you set for each lead.
When a machine picks up, answering machine detection ends the call and logs it as AM. The bot leaves no voicemail.
The bot opens with your script, can play an optional AI-voice disclosure, and asks your questions. A spoken do-not-call request ends the call.
Every answer follows a branch in your script, so a lead who says no, or falls outside your rules, gets a polite close instead of a transfer. On the Good Fronter tiers the bot also verifies age and zip.
A qualified lead is handed to an agent over SIP, chosen by your routing rules, and the bot drops off the call. On the Good Fronter tiers, AI-written notes from the call go to the agent.
The disposition, recording and transcript are saved in the dashboard, and the disposition is written back to VICIdial when bots run as remote agents.
More on how the handoff works in AI live transfer for call centers, and on machine handling in answering machine detection.
Both bot types are built in the same no-code script builder and tested in the simulator before they dial a real lead.
Plays fixed, pre-recorded lines in the order your branching script sets. Choose it when your compliance team has approved exact wording, such as disclosures and the transfer line.
An LLM-driven agent that holds a freer conversation inside the persona, questions and rules you set. Choose it when leads tend to ask questions before agreeing to talk to an agent. In testing, it replies in about a second per turn.
Draft a script from the transcript of a strong call or start from a template, then pick from 200+ voices, including cloned voices, in the no-code AI voice agent builder.
An example structure for consented life insurance leads. Write your own wording and rules, and have your compliance team approve the final script.
| Step | What the bot says | If the answer is | Then |
|---|---|---|---|
| Right party | Hi, this is Ava calling for [Agency] about the life insurance information you requested. Am I speaking with [First name]? | Not the right person | Apologize, end the call and log it |
| Disclosure | [Your AI-voice disclosure, if you turn it on] | Any | Continue |
| Interest | Are you still looking at coverage options? | No | Thank them and end the call |
| Age | What year were you born? | Outside your age range | Close politely, no transfer |
| Zip code | And can you confirm your zip code for me? | Doesn't match your rules | Close politely, no transfer |
| Need | Is the coverage for you or for someone in your family? | Either | Record the answer |
| Handoff | Thanks. I'm connecting you with a licensed agent who can go over options now. | Any | Live transfer |
This sample asks five questions and checks age and zip, which fits the Good Fronter tiers (max 5 questions). Running final expense campaigns? See final expense AI calling for screening built around that market.
Since the FCC's February 2024 ruling, AI-generated voices count as "artificial" voices under the TCPA. Telemarketing calls that use one, including calls offering insurance, need the called person's prior express written consent. Call only leads who gave it, keep the records, and scrub your lists against the Do Not Call registries your program requires.
You and your counsel stay responsible for consent, disclosures and calling rules. This page is not legal advice.
Details: TCPA controls for AI voice calls and do-not-call controls.
Bots join your VICIdial campaigns as remote agents, provisioned in bulk. VICIdial keeps your lists, recycling and reports, and each bot writes its disposition back.
VICIdial AI integrationNo VICIdial? The built-in dialer runs bot campaigns over Twilio or Telnyx SIP trunks, or any SIP carrier. You add the carrier by pasting its sip.conf or pjsip.conf block into the Carrier Manager.
SIP trunk for AI voice agentsAn insurance pre-qualification script is short, so the fronter tiers cover it. VoiceOI bills prepaid per bot with no per-minute AI fee; your carrier bills the call minutes.
| Fronter tier | Connection | List price | Questions | Includes |
|---|---|---|---|---|
| VICIdial Simple Fronter | VICIdial / Asterisk | $25 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Connects to VICIdial / Asterisk |
| VICIdial Good Fronter | VICIdial / Asterisk | $35 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Connects to VICIdial / Asterisk |
| SIP Simple Fronter | Hosted SIP | $45 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Dedicated Switch |
| SIP Good Fronter | Hosted SIP | $55 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Dedicated Switch |
Fronter and closer tiers transfer live calls; the LG (lead-gen) tiers don't. Google Sheets export, with one row per call, is on the Pro LG tiers rather than the fronter tiers above. Volume discounts go up to 60% as bot counts grow, never below each tier's price floor.
See current per-bot pricing, or compare models in AI voice agent pricing compared.
Straight answers about outbound AI calling for insurance teams.
On VoiceOI it makes outbound calls. It works your lead lists, asks your pre-qualification questions, follows your script's branch for each answer, and live-transfers qualified prospects to licensed agents. It does not answer inbound calls.
A lead who meets your rules is put through to a licensed agent on the live line, chosen by your routing rules, and the bot does not stay on to introduce them. On the Good Fronter tiers the agent also receives AI-written notes about what the lead said.
No. Write the script so the bot qualifies and transfers. Quotes, recommendations and sales stay with your licensed agents.
Since the FCC's February 2024 ruling, the TCPA treats AI-generated voices as artificial voices, so insurance telemarketing calls made with one need prior express written consent. Have your counsel confirm what applies to your leads and states. VoiceOI provides calling controls, not legal advice.
Yes. Campaign lead lists can be filtered by state, area code or zip, and on the Good Fronter tiers the bot can also verify age and zip during the call.
Not in the power-dialer sense: it does not pace calls for human agents. Each bot makes its own calls and hands qualified leads to your agents. If your agents need predictive or power dialing, keep your dialer, VICIdial for example, and run bots alongside it.
Not yet; CRM integrations are coming soon. Today, calls are logged in the VoiceOI dashboard with dispositions, recordings and transcripts, bots running on VICIdial write dispositions back to VICIdial, and the Pro LG tiers can export call data to Google Sheets.
Write your pre-qualification script, test it in the simulator, and let bots work your consented leads while your licensed agents take the transfers.
Last updated: October 1, 2026