The AI agent for banking, finance & insurance: follow-ups, compliance, customer relations

Four flags this morning, with no request from you.
· A client whose cancellation window opens in 8 days requested two no-claims certificates last month. Nobody called them back. 4 policies, €6,200 of annual premium.
· 14 claims are past the response time your policy wording states. The oldest by 23 days.
· A client declared a change of address on 12/06 that places them in a zone where your rating table applies different pricing. The policy has not been adjusted.
· The identity document on file has expired for 9 clients, three of whom have transacted since. morning-watch_4-flags.pdf4 flags · book and amount
⛓ Source · book of business, claims files, client declarations, identity documents

I make no call to a client, and least of all that one.
A retention call is a commercial act on an insurance product: it belongs to an authorised person, it is recorded, and depending on what is said it can become an act of advice. I am authorised for nothing.
What I have prepared, and it is the real work: the client sheet for before the call. Four policies, eight years with you, two claims of which one declined in 2024, no written complaint, and three inbound calls never returned since March.
The signal was not the certificate request — that one is already late, it is what people do once they have decided. The signal was the three unreturned calls, and it was five months old.
What I do not tell you: what to offer them. That is for your adviser, with what they are entitled to offer. pre-call-sheet_client-4-policies.pdf8 years · 3 unreturned calls
⛓ Source · client book, claims history, call log

I watch, continuously, what you have opened to me: policy renewal dates, document requests that accompany a departure, the age of your claims files, client declarations and what your rating table makes of them, the validity of identity documents. A window opening, a contractual time limit being passed, a declaration never acted on — I say so, I do not wait to be asked.
Routing follows your organisation: the departing client to the adviser who holds the book, copied to the branch manager — eight years is not an ordinary file; the late claims to the handler concerned; the unadjusted address to underwriting; the expired identity documents to compliance, and to nobody else.
With a chase: 24 h on the late claims, because that time limit is the one your policy wording states to the client; 48 h on the rest. Then a weekly summary to the branch manager: by subject, never by handler.

What that gives you this morning: €6,200 of annual premium put back into an adviser's hands eight days before the notice window opens, 14 claims files brought back inside the time limit your policy wording states, an address handed to underwriting and 9 identity documents handed to compliance.
What you gain from tomorrow: the adviser picks up the phone with the file already built: four policies, eight years' standing, two claims and three calls never returned. They decide what to offer in minutes instead of digging through three screens. A contractual time limit met is a complaint that never arrives; a client called back in time is a book that does not drain from the bottom.
On what I watch: access is opened book by book and role by role, every lookup is logged, and it is withdrawn with a single word. And your financial and personal data stay in France, on a resource that is yours alone, architecture designed to reduce exposure to extraterritorial legislation, location alone not being enough to guarantee immunity.
The next step is ready: fifteen minutes to frame your renewal schedules, your contractual time limits and the first book to watch.
✎ Proposal · watch and chases to be configured — you set the thresholds