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// for independent insurance brokers

Every carrier you're appointed with. One AI. Bilingual.

An AI receptionist tuned for P&C and health brokers. It picks up, qualifies across your appointed carriers, writes the lead straight into your agency system, and hands the callback to a licensed producer. English and Spanish. Set up in minutes.

FCC TCPA · CA AB 2905 · NY GBL § 396-b
Disclosed on every connect
  • ✓ Qualified on your appointed carriers
  • ✓ English + Spanish
  • ✓ Disclosure on every call
  • ✓ Set up in minutes
Sample scenario · not a recording
Carriers in this scenario
ProgressiveGEICOTravelersState FarmAllstateLiberty MutualNationwideFarmersErie

Names used to make the scenario readable. Handled holds no carrier appointments and connects to no carrier system. Your line qualifies against the book you are appointed with, which you give us during setup.

Disclosure: recorded · consent captured00:49
00:00
Handled · AI
Hi, this is the AI assistant for the agency. This call may be recorded for quality. How can I help?
00:05
Caller · Renewal shopper
Need to renew my auto policy. My current carrier just hiked me 18%.
00:09
Handled · AI
I can help. Three quick questions so a licensed producer can quote you across the carriers we're appointed with.
00:18
Handled · AI
Year, make, model?
00:26
Caller · Renewal shopper
2022 Tacoma, off-road package.
00:31
Handled · AI
ZIP, current carrier, monthly premium?
00:42
Caller · Renewal shopper
33480, current carrier top-4, $217.
00:49
Handled · AI
Got it. Booking a licensed-agent callback at 3:15. Everything you told me is already on their screen.
On your call record
Auto · Renewal shopRecording · transcript · summary
✓ Callback booked · 3:15 PMLead handed to producer
// spec sheet · tuned for the broker

Built for the way your book actually renews.

Generic AI gets carriers, products and disclosure law wrong. Handled doesn't, because it's tuned on your appointed carriers and your state's rules, not a generic library.

01
Appointed-carrier qualification

Your appointed carriers' appetite, one live call

The AI asks three qualifying questions, checks the caller against what your appointed carriers actually want, and hands a licensed producer a clean, complete lead. We load your carrier list when we set it up.

Tuned on
Your appointed carriers
You get
A clean, complete lead
Your book
Loaded on day one
02
A complete submission, not a voicemail

Every field a producer needs, asked on the call

It asks the qualifying questions in order (line of business, coverage, effective date, prior carrier, the disclosures) and writes the answers up as a structured submission instead of a wall of notes. Pushing that record into Applied Epic, HawkSoft, AMS360 or EZLynx is on the build list and is not connected yet; today it lands in your call record and your inbox.

You get
A structured submission, not free text
Where
Your call record + your inbox
Into your AMS
Not connected yet
03
Compliance by default

FCC + state disclosures on every connect

It says it's an AI voice the moment it picks up: FCC TCPA (2024), California AB 2905, New York GBL § 396-b. The consent side is done for you; you're not the one reading the statute.

Federal
FCC TCPA, synthetic-voice disclosure
California
AB 2905, recorded-line notice
New York
GBL § 396-b, two-party consent
04
Qualified before your producers

Filters tire-kickers before the callback lands

The AI asks about the vehicle, the ZIP, who they're with now and what they pay, then takes the callback details against the rules you set when we build it. Your licensed agents don't burn time on shoppers who were never going to switch.

It asks about
Vehicle · ZIP · current carrier · premium
Callback
Your rules, set when we build it
Handover
Put through live, or the details written up
05
English and Spanish, both native

Spanish-speaking callers stay in Spanish

A caller switches language mid-sentence and the AI switches with them. No transfer, no second voice, no falling back to English. Both languages come with the line. There is no Spanish surcharge.

Standard
English and Spanish
Surcharge
None. Spanish is not an add-on
How it acts
Switches language mid-call
// pick the one that sounds like you

Three ways people arrive here.

You already know which one you're in. The prices are what they cost. No quote form standing between you and a number.

Start from nothing

A new book, a mobile number, and no desk behind it.

Nothing online, nothing answering, and the work arrives by word of mouth. You get a page people can actually be sent to, and a line that picks up while you work.

Replace what's not working

A call service or a voicemail box is taking your inbound quote requests.

Voicemail, a call-answering service reading from a script, or whoever is nearest the phone. The line takes it over: same number, your prices, your booking rules, every hour of the day.

Add to what you have

The agency system and the producers are in place. The first ring is what leaks.

The site is fine and the work is coming in. The phone is the hole. Put the line in front of it, then add one AI employee to do the chasing you never get to.

Phone plans carry a one-time setup because a person builds the line from your price list · every number on pricing

// the whole loop, both ends

What the caller gets, and what lands on your side.

The caller

They dial the number they already have for you

Nothing you've printed changes. Your line forwards to the receptionist with one carrier code, and the caller never sees a different number.

Forwarding on and off is a dial code you control
The line

It says what it is, then does your job

Discloses that it's an AI, works from your services, your prices and your booking rules, and either takes the booking details, puts an urgent caller through to you, or takes the message.

English or Spanish, caller's choice, every plan
Your side

The call is written down: length, outcome, and a summary

Every call lands in your record with how long it ran, how it ended and a written summary of what was said. Add the weekly-report AI employee and that record is emailed to you every Monday: calls answered, time on the phone, average and longest call, and what the last few were about.

Weekly report is an add-on from $299/mo

Two things are not switched on yet, and you should read them here rather than find out on a Saturday. A text or email to you on every single call: Handled has no SMS channel connected. And writing the booking into your calendar: the line takes the details and they land in the call record, but nothing writes to Google Calendar or anywhere else. That one is being built.

// the six things everyone says

Say the reason you'd say no.

Each of these is answered by something that already works, not by something we intend to build. Where the answer is “that isn't switched on yet,” it says that instead.

  1. “I'd have to change my number.”

    No. You keep the number on your van, your window and your cards. You dial one forwarding code from your business phone (*72 on Verizon, *21* on AT&T, **21* on T-Mobile, or a setting in your VoIP portal) and calls arrive at the line. Dial the cancel code (*73, #21#, ##21#) and they ring straight to you again.

  2. “I'd be locked into a contract.”

    It's monthly. Cancel any time by replying to your last invoice or emailing hello@handled.build. Cancelling stops the next renewal. The period you've paid for runs to its end, and there's no proration either way.

  3. “What if it doesn't work for my shop?”

    30-day money-back on Line, Starter and Pro. The Industry plan at the top of the ladder does not carry it, because it's scoped to your business from day one, and we'd rather put that in the objection than in the small print.

  4. “My callers will think they've been tricked by a robot.”

    They're told in the first sentence. Every call opens "Hi, this is the AI assistant for [your business]. This call may be recorded for quality." That isn't a courtesy. FCC synthetic-voice rules, California AB 2905 and New York GBL § 396-b all require the disclosure, and it's written into the prompt rather than left to the model.

  5. “Half my callers speak Spanish.”

    English and Spanish are on every plan, from the first ring, and the caller picks. It isn't a paid add-on and it isn't English run through a translator. A caller can switch language mid-call.

  6. “It'll make up a price and I'll have to honour it.”

    It quotes from the list you sign off on and nothing else. The prompt forbids discounts, waivers, price-matching and ballparks, and it is built to refuse a number a caller floats first. Anything it hasn't been given (a repair it can't see, a quote that depends on your judgement) goes to you instead of getting invented.

The full versions are on terms and the refund policy. Neither is longer than this page.

— Not a franchise. Not a course.

We're the boring opposite of an AI franchise.

The FTC banned Air AI for $18M in March 2026 over fake earnings claims. We're the opposite: no licensing fee, no reseller program, no promises about what you'll make. Just an AI receptionist that answers your phone, and a person who sets it up and keeps it tuned.

// public receipts
Who runs it
Florida-registered · on the public record
Verify on FL Sunbiz ↗
Earnings claims
None. No promises about what you'll make, and no testimonials we can't prove.
Refunds
30 days to get your money back on Line, Starter and Pro
Pricing terms ↗
What callers hear
Every call opens by saying it's an AI: FCC · TCPA · CA AB 2905 · NY GBL § 396-b. The scripts are published.
Read the scripts ↗

// the details most companies leave out · ftc air ai action march 2026

// pricing · for the broker

Industry is the insurance plan. It knows your appointed carriers, writes up every call as a structured submission, uses the right disclosure for each state, and we tune it every two weeks on your real calls.

The phone line

The line that never sleeps.

Four plans from $149 · $500 setup · cancel anytime. Website and app prices are public too: see /pricing.

— Starter

Get started.

$249/month

One line for a one-person shop. $500 setup. 30 days to get your money back. Quieter phone? Line is $149/mo for 200 minutes.

  • 500 minutes of calls a month
  • Built in English, in Spanish, or to switch between them
  • Takes the booking on the call and records the whole thing
  • Hands the call to you when it needs a person
Your own voice— Pro

The pro line.

$549/month

For a phone that rings all day. Every call comes back written up, and a person tunes the line every month on what actually came through it.

  • 1,500 minutes of calls a month
  • Tuned every month on your real calls · we answer you first
  • Every call recorded, transcribed and written up
  • Optional: a copy of your own voice, or keep a preset
— Industry

Industry tuned.

$1,200/month

For barbershops, insurance offices, dental, legal, real estate and medspas.

  • Everything in Pro
  • 5,000 minutes of calls a month · $0.15 a minute past that
  • Knows your trade's words: the services, the questions people ask
  • Every detail lands in the right field of your software
  • Tuned every two weeks · your own Slack channel

Need more than the phone?

Add a website, an app, or someone to run your social media.

Put your plan together
// common broker questions

What brokers ask before they ship.

Is the AI legal to use for insurance calls?+

Yes. The notice it gives when it picks up satisfies FCC TCPA, CA AB 2905 and NY GBL § 396-b. The scripts are on /compliance.

What if a caller wants to talk to a person?+

Certain words ("agent", "human", "licensed", "emergency", "cancel") put the call through to your phone with a one-line summary. The caller never hears a join.

Will it know my carriers and rates?+

Your carrier list and rate cards go in during setup. You paste them in and the line quotes them word for word, so it is answering on the products you are actually appointed for rather than a generic library. Anything not on the list gets a message taken, never an invented rate. A person keeps tuning it on your real calls after it is live.

Does it write into Applied Epic, HawkSoft, AMS360 or EZLynx?+

Not yet, and no plan on this site sells it as if it does. A write-back into an agency management system is on the build list and is not connected today. What ships now is the qualified submission itself: every field asked on the call, written up and emailed to you with the recording and transcript on the call record. If AMS write-back is the thing you're buying, wait for it or buy something else; we'd rather say that than take the order.

Bilingual, or Spanish only?+

English and Spanish, and that is the honest answer. Those are the two we have built and tested. Florida brokers ask about Portuguese and we would rather tell you it is not set up than take the order and find out on your callers.

Stop missing the call that was already going to buy.

$149 line · $249 starter · $549 pro · $1,200 Industry (insurance) · 30-day money-back