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Insurance agencies

From quote request to bound policy, on one lead.

TalaLevel answers the quote request, asks what an underwriter asks, collects the dec pages and loss runs, flags what a carrier would stop on and keeps the policy through to the X-date. Set up for you.

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The whole process

Ten stages, from quote request to renewal.

This is how a commercial quote moves through TalaLevel. Each step says who does it. Stages marked “Set up for you” are configured in your workspace by a TalaLevel representative: your document reader, your carriers' appetite, your forms. You don't build anything.

Runs todayworks the day you sign upSet up for youa TalaLevel representative sets it up in your workspace
01 / 10

Lead in

Runs today

Prospects come in from wherever you find them, and each lands on a lead.

  1. The prospect

    Replies, calls or fills in a form

    Your quote form, a call in, a list you import, or a lead vendor sending them through the API.

  2. TalaLevel

    Finds their lead

    A text or a call is matched to the lead by its number, so the reply lands where the rep expects it.

  3. TalaLevel

    Cleans the list before a text is spent

    Opted-out numbers, landlines and numbers that can't take a text are dropped from a batch before it sends.

02 / 10

First answer

Runs today

The reply is read, the status set, and someone answers while they still have the phone in hand.

  1. TalaLevel

    Files the reply and tells the team

    The text lands on the lead, and the reps' phones get a push.

  2. TalaLevel

    Reads it and sets the status

    Interested, not interested or call later, from what they actually wrote.

  3. Tala

    Answers, if you switched her on

    Tala replies in your words, from your own numbers, and keeps the conversation going until a person takes it.

03 / 10

Qualifying

Runs today

The questions an underwriter asks, asked before anyone spends time on a quote.

  1. Tala

    Asks what an underwriter asks

    Who insures them now, when the policy renews, what it covers, any claims in the last few years, and the size of the business: vehicles, payroll or revenue.

  2. Tala

    Asks for the documents

    Once it's worth quoting, the current declarations pages and the loss runs, by text or by email.

  3. Joey

    Or Joey asks on the call

    If Joey, the AI caller, reaches them, he asks the same questions on the phone.

  4. Your rep

    Takes over when it matters

    A claim dispute, a lawyer or an angry reply hands the lead to a person at once, with a push.

04 / 10

Documents in

Set up for you

Files arrive any way the prospect sends them, and only what is missing is asked for again.

  1. The prospect

    Sends what they have

    Dec pages, loss runs, a driver list, payroll by class code or a property schedule, as PDFs, photos or an upload.

  2. TalaLevel

    Sorts and names every file

    Each one filed by kind and renamed by carrier, policy and year.

  3. TalaLevel

    Knows what is still missing

    Which years of loss runs are on file, line by line, and which are not.

  4. Tala

    Asks only for those

    “Thanks, got the 2022 to 2024 loss runs. Just need 2025.” Never the whole list again.

05 / 10

Read

Set up for you

The current policy and its history read the way an underwriter reads them.

  1. TalaLevel

    Reads the dec pages

    Carrier, premium, limits, deductibles and the expiry date of each line.

  2. TalaLevel

    Reads the loss runs

    Claims year by year, paid and reserved, which are still open, and the loss ratio.

  3. TalaLevel

    Reads the exposures

    Drivers and vehicles, payroll by class code, locations and their values.

06 / 10

Flags and lane

Set up for you

What a carrier would stop on, said before a submission goes anywhere.

  1. TalaLevel

    Names the lane

    Preferred carrier, standard carrier, surplus lines, the state's residual market, or decline for now.

  2. TalaLevel

    Says quote now, fix first or not now

    A missing driver list holds it; a missing ID doesn't.

  3. TalaLevel

    Lists the questions to ask

    Only what an underwriter would stop on, most important first.

  4. Your rep

    Gets a push when it is ready

    A clean file sends “Ready to quote” to the producers' phones.

07 / 10

Applications

Set up for you

The ACORD forms filled from the file and checked before they go.

  1. TalaLevel

    Fills the forms

    ACORD 125, 126, 127, 130 or 140, as the risk needs, from the documents and the conversation.

  2. TalaLevel

    Holds them against the documents

    A vehicle count or payroll that differs from the file is shown, never silently changed.

  3. Your rep

    Checks and sends

    Your producer reads them over and sends them for signature.

08 / 10

Submitted

Set up for you

The submission goes to the carriers you pick, and the quotes come back onto the lead.

  1. Your rep

    Sends the submission

    Applications, loss runs and schedules together, to a carrier or your wholesaler.

  2. TalaLevel

    Collects the quotes

    Each carrier's premium, limits and deductibles side by side, or their decline with the reason.

  3. Your rep

    Walks the prospect through them

    The quotes sit on the lead for the call.

09 / 10

Bound and paid

Runs today

The policy, the premium and the commission on the lead, not in a spreadsheet at month end.

  1. Your rep

    Marks the quote they took

    Carrier, premium and the policy dates, recorded as a deal.

  2. Your rep

    Records the commission

    New business or renewal, as your agency pays it.

  3. TalaLevel

    Works out each producer's share

    Taken back if the policy is cancelled, if that is your rule.

10 / 10

Renewal

Set up for you

The X-date brings the account back before another agent gets there.

  1. TalaLevel

    Keeps the X-date

    Each line's expiry, from the dec page.

  2. Tala

    Reaches out ahead of it

    Tala texts the client before the X-date to start the renewal review. From your numbers, through the same checks as every text: opt-outs and quiet hours. Off until you switch it on.

  3. TalaLevel

    Tells the producer

    A push and a row on Home, with Tala's thread.

  4. Your rep

    Makes the call

    With what else they might need noted: umbrella, cyber, workers' comp.

Flags

What gets flagged, before a carrier sees it.

Each flag is found in the documents themselves. A flag is a question for your producer, never a message to the prospect.

  • Loss ratio over appetite

    Claims paid and reserved against premium, year by year, beyond what your carriers write.

  • Open or large claims

    A claim still reserved, or one big enough to move the price.

  • A lapse in coverage

    Days between one policy's end and the next one's start.

  • Cancelled for non-payment

    Most standard carriers stop here.

  • Young drivers or violations

    Drivers under 25, or with violations on their record, from the driver list.

  • A class carriers won't write

    A class code or operation outside your carriers' appetite.

  • Values that don't match

    A schedule, a payroll or a vehicle count that differs between documents.

  • Loss runs that aren't current

    Loss runs older than your carriers accept.

  • Told against the file

    What they said about claims, vehicles or payroll against what the documents show.

  • Missing years

    Fewer years of loss runs than the carrier asks for.

Where the risk can land
  1. 1
    Preferred carrier

    Clean history, well inside appetite.

  2. 2
    Standard carrier

    A normal history for the class.

  3. 3
    Surplus lines

    Outside standard appetite, placed through a wholesaler.

  4. 4
    Residual market

    The state's plan when nobody else writes it.

  5. 5
    Decline for now

    A person decides what the prospect hears, and when to try again.

Documents

Every document, asked for once.

Tala and your producers see the same list. When a file comes in, she says what arrived and asks only for what is still missing.

Loss runs on file
  • 2022Read
  • 2023Read
  • 2024Read
  • 2025Missing
Tala

Thanks, got the 2022 to 2024 loss runs. Just need 2025 when you get a chance.

  • Declarations pages

    For every line they carry now.

  • Loss runs

    Three to five years, as the carrier asks.

  • Driver list

    With licence numbers, for commercial auto.

  • Vehicle schedule

    With VINs and values.

  • Payroll by class code

    For workers' comp and general liability.

  • Property schedule

    Locations, values and construction.

  • Signed applications

    Filled from the file and checked.

On screen

What your producer sees, on the lead.

Drawn from the app's layout. The business and every figure are an invented example.

Review
Delgado Landscaping LLCCommercial auto and general liability · X-date Jan 15
ActivityReviewApplicationsPolicy
Ready to quoteStandard carrier

Five years with one small auto claim, no lapse in coverage, every driver over 25.

Premium now$18,640Renewing Jan 15
Loss ratio, 5 years22%1 claim paid · none open
Vehicles66 drivers · all over 25
Payroll$412,0003 class codes
Lanes
Preferred carrierMaybeOne auto claim in 2024
Standard carrierReachedClean, current, no lapse
Surplus linesNot reachedNot needed
Ask them
Was the March 2024 auto claim closed?
Any vehicles added since the last renewal?
Missing
Loss runs, 5 years
Driver list with licences
Signed applications
9:41
TalaLevel nowReady to quote: Delgado Landscaping

Standard carrier · quote now

Home · Coming up for renewal
Delgado Landscaping LLC

Commercial auto and general liability · X-date Jan 15

What you get

Part of it runs the day you sign up. The rest is set up for you.

You don't configure the industry parts yourself. A TalaLevel representative sets them up in your workspace, around how your floor already works, and hands it over running.

Runs today
  • Leads from imports, texts, calls, your website form and the API
  • Texting from your own numbers, with the carrier registration done with you
  • Tala answering, qualifying, following up and booking calls, each switch off until you turn it on
  • The power dialer, recordings, transcripts and call notes
  • Joey, the AI caller, on Scale
  • Statuses that follow the conversation, hand-overs, callbacks and pushes
  • Deals and each rep's commission, taken back on a cancel if that is your rule
  • Contracts from your own templates, signed on a link
Set up for you
  • The document reader: dec pages, loss runs and schedules
  • Loss-run checks and every flag above
  • Your carriers' appetite, so the lane matches who you write with
  • ACORD forms filled from the file
  • Submissions to carriers or your wholesaler, with quotes back on the lead
  • The X-date, and Tala reaching out ahead of it
By plan

Every plan runs the floor. Pick by how you sell.

DialerProScale
Lines dialed at once1310
Texts a seat a monthNot included2,0006,000
Tala answers and follows upNot includedIncludedIncluded
Joey, the AI callerNot includedNot includedIncluded
Coaching: listen, whisper, take overNot includedNot includedIncluded
Price a seat$47 a month$97 a month$247 a month

Full prices are on the pricing page. See also sales texting, Tala, the AI sales assistant and Joey, the AI caller.

Questions

Questions from agencies. Straight answers.

Is TalaLevel a CRM for insurance agencies?

Yes. It runs an agency's whole process: quote requests answered by text, dec pages and loss runs collected and read, the risk flagged and placed in a lane, ACORD forms filled, quotes side by side, and the commission and X-date kept.

Does TalaLevel read loss runs?

Yes, set up for you. Loss runs are read year by year: claims paid and reserved, which are still open, and the loss ratio. A TalaLevel representative sets the reader up in your workspace.

Does it read declarations pages?

Yes, set up for you. Carrier, premium, limits, deductibles and the expiry date of each line are read off the dec pages and kept on the lead.

Can it fill ACORD forms?

Yes, set up for you. ACORD 125, 126, 127, 130 and 140 can be filled from the file and held against the documents, then your producer checks them before they go.

Does it track X-dates?

Yes, set up for you. Each line's expiry is kept on the lead. Ahead of it Tala texts the client to start the renewal review, from your numbers and through opt-outs and quiet hours, and the producer gets a push and a row on Home. The texts are off until you switch them on.

Will Tala quote a premium?

No. Tala is set up to ask questions and collect documents, and to hand anything about price or coverage to a person.

What does “Set up for you” mean?

A TalaLevel representative configures those stages in your workspace for you: the document reader, your rules and lanes, your forms and where files go out. You don't build or configure anything yourself.

Does it track producer commission?

Yes. Record the policy with its premium and commission, new business or renewal, and each producer's share is worked out, taken back if the policy is cancelled, if that is your rule.

Can my producers dial from it?

Yes. The power dialer rings up to 10 lines at once on Scale, 3 on Pro and 1 on Dialer, and every call is recorded, transcribed and filed on the lead.

Does Tala text at night?

Her replies to someone who writes in can go at any hour. Her own follow-ups keep to 7am to 10pm in their time zone, and batches keep to quiet hours.

How much does it cost?

Dialer is $47 a seat a month, Pro $97 and Scale $247, with a 7-day trial. Texting and Tala start on Pro; Joey, the AI caller, is on Scale.

Your next lead texts back tonight. Be there.

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