---
title: "AI Chatbot For Insurance Agents: How It Works"
description: "unLocked CRM's AI Chatbot reads inbound texts, checks the client record, and replies in seconds — automatically or after you approve the draft."
url: https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents
canonical: https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents
category: "AI & Automation"
published: 2026-09-16
updated: 2026-09-16
last_updated: 2026-09-16
author: "unLocked Team"
publisher: unLocked CRM
source_url: https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents
summary: "The AI Chatbot in unLocked CRM answers inbound text messages using CRM data and recent conversation history."
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents
source: unLocked CRM — AI CRM for insurance agents
---

# AI Chatbot For Insurance Agents: How It Works

## TL;DR

The AI Chatbot in unLocked CRM answers inbound text messages using CRM data and recent conversation history. It runs in Auto mode or Review mode, respects DNC and quiet hours, and is included with Pro ($149/month) and Max ($247/month) seats.

## Key data points

- unLocked CRM's AI Chatbot (formerly AI SMS Auto Reply) answers inbound texts using CRM data and the last 10 conversation messages.
- The AI Chatbot is included with unLocked CRM Pro ($149/month) and Max ($247/month) seats at no per-reply charge; outbound SMS is billed at $0.0140 per segment.

A prospect texts you at 8:40 p.m. asking whether their doctor is in network. You see it at 7 a.m. By then they have texted two other agents.

That gap is what the **AI Chatbot** closes.

## What it actually does

When an inbound text arrives, the AI Chatbot:

1. Reads the message
2. Pulls the client record — plan, carrier, effective date, stage, notes
3. Reads the last 10 messages of the conversation so it does not repeat itself
4. Writes a reply specific to that person and that question
5. Sends it, or hands you a draft to approve

It is not a keyword autoresponder. A generic autoresponder sends everyone the same sentence. This answers the question that was asked.

## Auto mode vs Review mode

| | Auto mode | Review mode |
| --- | --- | --- |
| Reply speed | Seconds | As fast as you approve |
| Best for | After hours, high volume, AEP | New agents, sensitive books |
| Your involvement | Spot-check the thread | Approve each draft |

Most agents start in Review mode for a week, read what it writes, then move the routine questions to Auto.

## Guardrails

- Daily reply cap per contact so nothing ever looks like a loop
- Quiet hours enforced
- Opt-out language honored automatically
- Do-not-contact records excluded
- Custom behavior instructions — what to say, what to never say, when to hand off to you

## What it costs

The AI Chatbot is included with Pro and Max seats. There is no per-reply fee for the AI. You pay only for the text itself: **$0.0140 per outbound segment**, **$0.0135 per inbound segment**, deducted from your wallet in real time.

## Where to start

1. Turn it on in Review mode
2. Write two or three behavior instructions in plain English
3. Read a week of drafts
4. Move the routine categories to Auto and keep the sensitive ones in Review

[Start your 14-day free trial →](/signup)

## FAQ

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## Related

- https://unlockedcrm.ai/blog/ai-chatbot-vs-autoresponder-insurance
- https://unlockedcrm.ai/blog/ai-chatbot-medicare-aep-volume
- https://unlockedcrm.ai/blog/ai-chatbot-tcpa-compliance-guardrails
- https://unlockedcrm.ai/blog/ai-chatbot-setup-checklist-agents

---

Source: [AI Chatbot For Insurance Agents: How It Works](https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/ai-chatbot-for-insurance-agents.