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Automation playbook · Insurance brokers

Insurance brokers run on speed. Most run late.

Every unanswered message is a quote someone else writes. We build the automations that answer, qualify, and route, so no client waits and no policy slips.

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Live in days · Works on WhatsApp, web and phone · No new software for your team

5× Keeping a client costs 5–9× less than winning a new one, and 68% leave over plain indifference, not price.Source: customer-retention studies
The leak map

Where the policies leak.

Every brokerage runs the same flow: client → broker → insurers. Revenue leaks at three points every broker recognizes, and an automation seals each one.

Clienthas a claim at midnight
Leak 1 · The phone-number mazeThe client crashes at midnight and ends up working down a list of insurer numbers, with no one there to answer at that hour.
Lumo automationAn agent answers at any hour, already knows their policy and how to help. It guides them and routes them straight to the right place, without them searching for a number.
Brokerno direct channel to the insurer
Leak 2 · No channel with the insurerThe broker chases the status of every claim through calls and emails with the insurer. The app they were sold for the client doesn't help either: installed once, never opened again.
Lumo automationA direct digital channel with the insurer, no calls, no paperwork lost in the shuffle.
Renewalsdeadlines that rely on memory
Leak 3 · Renewals from memoryRenewals depend on someone remembering in time. The ones forgotten are lost.
Lumo automationA renewals agent flags every deadline and nudges the client automatically.

The client → broker → insurer flow isn't the only place a policy gets lost:

Leak 4 · Quotes left unansweredA prospect asks for a quote. The broker takes time gathering the details, and by the time it's ready, the prospect already closed with whoever answered first.
Lumo automationThe agent collects the intake details instantly, so the quote goes out the same day, not next week.
See it work

Midnight. A client just crashed.

No one is at the office. The agent identifies the client, opens their policy, and handles the claim with their insurer, without them dialing any of the numbers.

1

Identifies them and opens their policy, instantly, 24/7.

2

Opens the claim with the photos the insurer needs.

3

Gives them their insurer's procedure and routes it, without dialing a single number.

Illustrative demo. Every flow is built around your real policies and carriers.

What we'd build for you

Six automations, one front line.

Seals leak #1

Policy retrieval on WhatsApp

Answers 'am I covered for X?' from each client's own policy, instantly, on WhatsApp, no app to install.

Every answer, from their policy
Seals leak #1

Guided claims (FNOL) 24/7

Opens the claim, requests the photos and gives each client their insurer's exact procedure, without dialing a single number.

The claim, without the maze
Seals leak #2

Direct channel with the insurer

A direct digital channel with each insurer tracks the status of every claim and notifies the broker the moment it changes, no calls, no portals to check.

Instant status, no calling
Seals leak #3

Proactive renewals

Flags every deadline and nudges the client in time, no policy lapses because someone forgot.

Fewer lapses, more retained premium
Seals leak #3

Auto → home → life cross-sell

Spots the moment and offers each client the coverage they're missing, in their own words.

More policies per client
Seals leak #4

Client ↔ broker messaging 24/7

Replies around the clock on WhatsApp and web, qualifies the request, and books or routes it. No quote gets lost to a slow reply.

No quote left unanswered
The math

Do the math on your time.

Drag to your own numbers. This is the cost of doing by hand what an automation does for you.

That time, in money, every month
$2,165/month
43 hours/month back to selling · estimate

Put that time back into writing policies. The automations run the repetitive front line while you close.

Illustrative estimate. We map your real numbers in the audit.

One system. Clear momentum.

A 15-minute automation audit. Zero commitment.

We map your flow, mark the leaks, and show you exactly what we'd automate first.

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