InsuranceCollectionsAR Dunning

Accounts Receivable Dunning Agent - 3-Stage Payment Recovery

The AI Employee contacts policyholders with overdue premiums across voice, WhatsApp, and SMS, delivers payment links, and captures commitments. It escalates persistent non-payers to a collections manager before the policy lapses.

AI operates via

Voice AgentWhatsApp AutomationSMS AutomationCRM Sync

Deploy This Template

How It Works

01
Trigger
Premium due date passes; CRM flags the account for outreach.
02
Day 1 reminder
Friendly WhatsApp reminder with payment link sent within 2 hours.
03
Day 3 follow-up
Voice call confirms receipt and offers assistance.
04
Day 7 escalation
Final reminder warns of imminent lapse; captures promise-to-pay date.
05
Manager escalation
Accounts not paying by promise date are escalated to collections manager.

See How It Works

The AI Employee executes each step autonomously - no human intervention required unless explicitly configured.

Trigger

Day 1 reminder

Day 3 follow-up

Day 7 escalation

Manager escalation

Step 01

Trigger

Premium due date passes; CRM flags the account for outreach.

Step 02

Day 1 reminder

Friendly WhatsApp reminder with payment link sent within 2 hours.

Step 03

Day 3 follow-up

Voice call confirms receipt and offers assistance.

Step 04

Day 7 escalation

Final reminder warns of imminent lapse; captures promise-to-pay date.

Step 05

Manager escalation

Accounts not paying by promise date are escalated to collections manager.

Key Results

34%

On-time payment improvement

27%

Policy lapse reduction

65%

Collections team capacity freed

Frequently Asked Questions

What payment methods are supported?

UPI, net banking, and card links are delivered via WhatsApp.

How many touches before lapse warning?

Three touches over seven days before the lapse warning is issued.

Can a customer reschedule payment?

Yes, the AI captures a promise-to-pay date and confirms via SMS.

Is this IRDAI compliant?

Yes, all messaging follows IRDAI guidelines on premium reminder communication.

What CRMs does it integrate with?

Salesforce, HubSpot, Zoho, and any CRM with a REST API.

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