Make complex policy journeys feel simple and human
Life insurance carries emotional and financial weight. Talisma AI agents remove avoidable uncertainty — helping applicants complete their evidence, guiding claimants with care and finishing policy-service requests without the usual chase.
AI Underwriting Core
100% Policy ProtectionWhat changes for your customers
Policy issuance · Claims · Policy servicing
Cleaner applications
Collect identity, medical and financial evidence before underwriting begins.
One clear claims journey
Explain what is needed, request missing evidence once and keep claimants informed.
Policy changes completed end to end
Understand the request, apply the rules, update the system and confirm the outcome.
AI that understands the request and moves the work forward
Each journey combines specialised agents. Customers experience one clear conversation; your teams receive complete information, visible progress and the right exceptions for human review.
Help applicants become policy-ready without the document chase
One connected journey for application details, identity checks, medical evidence and financial eligibility.
Incomplete information slows issuance and creates repeated follow-ups. Talisma guides applicants through what is needed, checks the evidence as it arrives and presents the underwriting team with a clear view of the case.
Fewer incomplete files and less avoidable delay before underwriting.
Specialised AI agents in this journey
The Onboarding Concierge
Turns an enquiry into a verified application through one conversation, collecting details and KYC without unnecessary handoffs.
Identity Verification Agent
Checks application completeness and validates PAN, Aadhaar and other identity credentials against KYC requirements.
Evidence Retrieval Agent
Checks medical reports for completeness and clarity, validates income evidence and organises the information needed for underwriting.
The Compliance Guardian
Applies risk rules and insurance requirements, combines the verification results and recommends approval, escalation or closer review.
Guide every claimant with clarity, not silence
A supported path from first notice of loss to a complete, review-ready claim file.
A claim is often the moment a family most needs reassurance. Talisma explains each step, gathers evidence, identifies risk signals and keeps the claimant informed so clean cases can move without extra friction.
Fewer repeated requests, better transparency and faster movement of complete claims.
Specialised AI agents in this journey
The Claims Navigator
Registers first notice of loss through a guided conversation, explains each requirement, records the claim and confirms what happens next.
Evidence Completeness Agent
Checks the file against policy, claim and regulatory requirements and sends one consolidated request for anything missing, expired or unreadable.
Fraud Signal Screening Agent
Reviews timing, history, document anomalies and links between parties, routing suspicious cases with the reasons attached while clean claims continue.
Communication Agent
Keeps claimants informed about progress, outstanding documents and settlement status without requiring them to chase for updates.
Understand the request — then carry it through to completion
Connected service across chat, email, voice and app, from intent recognition to final confirmation.
Customers should not need to know which form or department handles a policy change. Talisma understands what they are asking for, verifies eligibility, completes the change in the policy system and returns the updated documents.
Less routing, fewer manual handoffs and a clear confirmation for the customer.
Specialised AI agents in this journey
Service Classification Agent
Understands requests across chat, email, voice and app, extracts the details needed to act and verifies the customer and eligibility.
Policy Change Execution Agent
Completes nominee, address, bank, premium-mode and fund changes, as well as loan and surrender requests, using the applicable rules and validations.
Communication Agent
Delivers real-time notifications, confirmations and updated documents throughout the service journey.
Customers can speak or write naturally
Talisma understands intent across voice and email, brings the customer’s context into the conversation and handles routine next steps. When judgement or empathy is needed, it hands over with the history already attached.
- One context across channels
- Automatic intent and detail capture
- Human handover without repetition