Insurance

Starts from a website, agent call or AI agent; needs driver, vehicle and prior insurance data plus disclosures and signature; ends bound in policy admin.

Parties: Applicant, Agent, Underwriting. Rules: State insurance code; binding rules. Callvu moves: prefill, chase and verify, decide, write back.

Starts online or with an agent; needs property details, inspection photos and prior loss history; ends as a bound policy in policy admin.

Parties: Applicant, Agent, Underwriting, Inspection vendor. Rules: State insurance code; binding rules. Callvu moves: prefill, chase and verify, decide, write back.

Starts on the website or by phone; needs address, coverage choices, disclosures and payment; ends issued in policy admin.

Parties: Applicant. Rules: State insurance code. Callvu moves: prefill, write back.

Starts with an agent or online; needs applicant data, health questions, beneficiaries and signatures; ends as a complete application in new business.

Parties: Applicant, Agent, New business team. Rules: State insurance code. Callvu moves: prefill, chase and verify, write back. Use case and claims

Starts when underwriting orders evidence; needs paramedical exam results, attending physician statements and lab results chased from third parties; ends attached to the case for the underwriter.

Parties: Applicant, Underwriter, Paramedical vendor, Physician office. Rules: HIPAA authorization for medical records. Callvu moves: chase and verify, classify, decide, write back.

Starts with an agent; needs financial profile, suitability answers, replacement forms and signatures; ends approved and written to the annuity admin system.

Parties: Applicant, Agent, Suitability reviewer. Rules: NAIC Suitability in Annuity Transactions Model Regulation (#275); State replacement rules. Callvu moves: prefill, chase and verify, decide, write back.

Starts when a new policy replaces an existing one; needs the replacement notice delivered and acknowledged by the applicant; ends filed with the application.

Parties: Applicant, Agent. Rules: State life and annuity replacement regulations. Callvu moves: classify, chase and verify, write back.

Starts from a broker email or portal; needs applications, loss runs, schedules and financials; ends as a complete submission routed to the right underwriter.

Parties: Broker, Underwriter, Underwriting assistant. Callvu moves: classify, chase and verify, decide, write back.

Starts from a broker or the employer; needs payroll by class code, prior experience mod and ownership details; ends quoted and bound in policy admin.

Parties: Employer, Broker, Underwriter. Rules: State workers compensation rules. Callvu moves: prefill, chase and verify, decide, write back.

Starts online or with an agent; needs business details, location and coverage choices; ends bound and issued in policy admin.

Parties: Business owner, Agent. Rules: State insurance code; binding rules. Callvu moves: prefill, decide, write back.

Starts when an employer opens enrollment; needs each employee's elections, dependents and evidence of insurability where required; ends written to the group admin system.

Parties: Employer HR, Employee, Enrollment team. Callvu moves: prefill, chase and verify, write back.

Starts when an inspection finds hazards; needs the policyholder to fix and prove each item with photos by a deadline; ends with the policy kept, changed or non-renewed.

Parties: Policyholder, Inspection vendor, Underwriter. Rules: State non-renewal notice rules. Callvu moves: chase and verify, decide, write back.

Starts when a quote breaks an authority limit; needs the case built with all data and documents for the referral underwriter; ends with the decision written back to the quote.

Parties: Agent, Referral underwriter. Callvu moves: classify, decide, write back.

Starts when reports differ from what the applicant said; needs the applicant to explain or provide proof; ends with the rate or eligibility updated.

Parties: Applicant, Underwriting. Rules: FCRA adverse action notice. Callvu moves: chase and verify, decide, write back.

Starts when an application is declined or rated up; needs the right notice with reasons delivered on time; ends with delivery recorded.

Parties: Applicant, Underwriting. Rules: FCRA adverse action; State adverse underwriting notice rules. Callvu moves: classify, write back.

Starts ahead of renewal; needs updated exposures, loss runs and schedules from the broker; ends with renewal terms issued.

Parties: Broker, Underwriter, Insured. Rules: State renewal notice rules. Callvu moves: prefill, chase and verify, decide, write back.

Starts after the policy term; needs payroll and sales records from the insured; ends with the final premium written to billing.

Parties: Insured, Premium auditor, Billing. Rules: State workers compensation rules. Callvu moves: chase and verify, decide, write back.

Starts when an insured or broker asks for a certificate; needs holder details checked against coverage; ends issued and logged.

Parties: Insured, Broker, Service team. Callvu moves: prefill, decide, write back.

Starts by phone, web or agent; needs the change checked against underwriting rules and any premium change agreed; ends bound in policy admin.

Parties: Policyholder, Service agent. Rules: State insurance code; binding rules. Callvu moves: prefill, decide, write back.

Starts from any channel; needs identity verified and consent captured; ends written to policy admin.

Parties: Policyholder. Rules: NAIC Model #668. Callvu moves: prefill, write back.

Starts on the website, IVR or app; needs the customer to complete the request with prefilled data; ends written to policy admin without an agent.

Parties: Policyholder. Callvu moves: prefill, write back. Use case and claims

Starts from any channel; needs vehicle or driver data and proof where required; ends rated and bound in policy admin.

Parties: Policyholder, Service agent. Rules: State binding rules. Callvu moves: prefill, decide, write back.

Starts from the policyholder, lender or a mortgage servicer; needs loan and lender details verified; ends updated with evidence sent to the lender.

Parties: Policyholder, Lender. Callvu moves: classify, prefill, write back.

Starts when a policyholder, lender or dealer asks; needs coverage confirmed; ends with the document delivered and logged.

Parties: Policyholder, Lender. Callvu moves: prefill, write back.

Starts by phone, web or agent; needs identity and disclosures before any change and the policyholder's signature; ends written to policy admin with who verified.

Parties: Policyholder, Service agent. Rules: State insurance code; NAIC Model #668. Callvu moves: chase and verify, decide, write back. Use case and claims

Starts from the policyholder or agent; needs identity, tax withholding elections, disclosures and signature; ends paid and written to policy admin.

Parties: Policyholder, Agent, Service team. Rules: State insurance code; IRS withholding rules. Callvu moves: chase and verify, decide, write back. Use case and claims

Starts online or by phone; needs identity, loan amount within available value and signature; ends disbursed and recorded in policy admin.

Parties: Policyholder. Callvu moves: prefill, decide, write back.

Starts from the owner, a lender or an attorney; needs signed transfer documents from several parties; ends recorded in policy admin.

Parties: Current owner, New owner, Lender, Service team. Rules: State insurance code. Callvu moves: chase and verify, decide, write back.

Starts from any channel; needs the reason, effective date and signature where required, plus a save offer; ends cancelled with any refund calculated.

Parties: Policyholder, Service agent. Rules: State cancellation rules. Callvu moves: classify, decide, write back.

Starts from any channel; needs identity and supporting documents; ends updated in policy admin.

Parties: Policyholder. Callvu moves: chase and verify, write back.

Starts from the owner or an annual reminder; needs the election, tax withholding and signature; ends set up in the annuity admin system.

Parties: Annuity owner. Rules: IRS required minimum distribution rules. Callvu moves: prefill, decide, write back.

Starts from a call, a bill or a reminder; needs the plan terms accepted and payment details on a secure screen; ends written to billing.

Parties: Policyholder. Rules: PCI DSS. Callvu moves: prefill, decide, write back. Use case and claims

Starts during a call or from a reminder; needs payment details captured on a secure screen, not by the agent; ends posted to billing.

Parties: Policyholder, Service agent. Rules: PCI DSS. Callvu moves: prefill, write back.

Starts online or by phone; needs bank or card details and authorization; ends set up in billing.

Parties: Policyholder. Rules: PCI DSS; NACHA authorization rules. Callvu moves: prefill, write back.

Starts when a payment is missed; needs grace period notices, the payment and, for reinstatement, a health or no-loss statement; ends with the policy reinstated or lapsed in billing.

Parties: Policyholder, Billing, Underwriting. Rules: State grace period and reinstatement statutes. Callvu moves: classify, chase and verify, decide, write back.

Starts after a cancellation or overpayment; needs the refund amount confirmed and payee details verified; ends paid and recorded.

Parties: Policyholder, Billing. Rules: State return premium rules. Callvu moves: prefill, decide, write back.

Starts when an account is past due; needs the notice sent within the required period and proof of mailing; ends with delivery recorded.

Parties: Policyholder, Billing. Rules: State notice of cancellation rules. Callvu moves: classify, write back.

Starts with each monthly agency statement; needs exceptions explained and matched by the agency; ends reconciled in billing.

Parties: Agency, Billing. Callvu moves: classify, chase and verify, write back.

Starts in an app, with an agent, a chatbot or an AI agent; needs one complete governed claim; ends in claims with skill and due date.

Parties: Claimant, Agent, Claims intake. Rules: State unfair claims settlement practices acts (NAIC UCSPA). Callvu moves: prefill, classify, chase and verify, write back.

Starts at first notice of an injury; needs medical consent before the claim moves and only the questions that apply; ends in claims.

Parties: Claimant, Claims intake, Medical provider. Rules: State unfair claims settlement practices acts; HIPAA authorization. Callvu moves: classify, chase and verify, write back. Use case and claims

Starts by phone, app or agent; needs location, photos and damage captured once; ends in claims ready for the adjuster.

Parties: Policyholder, Claims intake. Rules: State unfair claims settlement practices acts. Callvu moves: prefill, chase and verify, write back. Use case and claims

Starts with a call or app request; needs the request typed as assistance or claim and coverage checked; ends with a supplier dispatched and the case recorded.

Parties: Policyholder, Assistance desk, Supplier. Callvu moves: classify, decide, write back. Use case and claims

Starts by phone, app or AI agent; needs location, vehicle and coverage confirmed; ends with a tow or service dispatched and logged.

Parties: Policyholder, Assistance provider. Callvu moves: prefill, decide, write back.

Starts online or by phone; needs damage photos and coverage check; ends with repair scheduled and the claim recorded.

Parties: Policyholder, Glass vendor. Callvu moves: classify, decide, write back.

Starts at first notice; needs a police report, proof of ownership and receipts chased from the claimant; ends complete for the adjuster.

Parties: Claimant, Adjuster, Police department. Rules: State unfair claims settlement practices acts. Callvu moves: chase and verify, classify, write back.

Starts after a storm or wildfire; needs high-volume claims captured with photos and triaged by severity; ends routed to field or desk adjusters.

Parties: Policyholders, Claims intake, Field adjusters. Rules: State catastrophe and emergency claim rules. Callvu moves: classify, prefill, decide, write back.

Starts from the employer or the injured worker; needs the first report filed on the state clock with medical information; ends in claims and with the state.

Parties: Employer, Injured worker, Claims, State board. Rules: State workers compensation first report deadlines. Callvu moves: classify, chase and verify, write back.

Starts from the insured or broker; needs damage details, inventories, invoices and business interruption figures; ends with a complete file for the adjuster.

Parties: Insured, Broker, Adjuster, Forensic accountant. Rules: State unfair claims settlement practices acts. Callvu moves: chase and verify, classify, write back.

Starts when a claim needs reports from hospitals, shops or third parties; needs required documents by claim type chased on a clock; ends checked before adjuster handoff.

Parties: Claimant, Hospitals, Repair shops, Adjuster. Rules: State unfair claims settlement practices acts. Callvu moves: classify, chase and verify, write back.

Starts when a shop submits an estimate; needs it checked against the claim and approval limits; ends approved or sent to an appraiser and written to claims.

Parties: Repair shop, Appraiser, Adjuster. Callvu moves: chase and verify, decide, write back. Use case and claims

Starts when a vehicle is declared a total loss; needs title, lien payoff, power of attorney and owner signatures; ends paid and the title transferred.

Parties: Owner, Lienholder, Salvage vendor, Adjuster. Rules: State total loss and title rules. Callvu moves: chase and verify, decide, write back.

Starts with the claim; needs coverage and repair timing checked; ends with the rental booked and the claim updated.

Parties: Claimant, Rental vendor. Callvu moves: decide, write back.

Starts when the adjuster requests it; needs the claimant's signed, notarized statement by a deadline; ends filed to the claim.

Parties: Claimant, Adjuster. Rules: State proof of loss deadlines. Callvu moves: chase and verify, write back.

Starts when the adjuster needs a statement; needs the statement captured and signed with consent; ends attached to the claim.

Parties: Claimant, Adjuster. Callvu moves: chase and verify, write back.

Starts when a claim is approved; needs payee identity, bank details and lienholder or mortgagee endorsements; ends paid and recorded.

Parties: Claimant, Mortgagee or lienholder, Claims payments. Rules: OFAC screening. Callvu moves: chase and verify, decide, write back.

Starts when a supplier invoices; needs the customer to confirm the service before the case closes; ends approved and paid.

Parties: Supplier, Policyholder, Claims. Callvu moves: chase and verify, decide, write back. Use case and claims

Starts with a home claim; needs the right contractor chosen by trade and area and the customer's agreement; ends with the job assigned and tracked.

Parties: Policyholder, Contractor, Claims. Callvu moves: classify, decide, write back.

Starts when the claimant asks or a document is due; needs the claimant to upload documents and see status; ends with documents attached to the claim.

Parties: Claimant. Callvu moves: chase and verify, write back.

Starts when a reserve or settlement exceeds the adjuster's authority; needs the case built for the approver; ends approved or rejected in claims.

Parties: Adjuster, Claims manager. Callvu moves: decide, write back.

Starts when medical bills arrive; needs bills matched to the claim and treatment checked; ends approved, adjusted or referred.

Parties: Medical providers, Bill reviewer, Adjuster. Rules: State fee schedules. Callvu moves: classify, chase and verify, decide, write back.

Starts when a claim involves another insurer, passengers or repair shops; needs their documents and responses chased; ends recorded in claims.

Parties: Other insurers, Passengers, Repair shops, Subrogation team. Callvu moves: chase and verify, classify, write back. Use case and claims

Starts when someone not insured files against a policyholder; needs their identity, damage and representation details; ends in claims.

Parties: Third-party claimant, Attorney, Adjuster. Rules: State unfair claims settlement practices acts. Callvu moves: prefill, chase and verify, write back.

Starts after a total loss or payment; needs title and release documents and the salvage buyer's details; ends with recovery recorded.

Parties: Owner, Salvage vendor, Recovery team. Rules: State title rules. Callvu moves: chase and verify, write back.

Starts when a claim shows fraud indicators; needs the referral built with evidence; ends with the investigation opened and the state reported where required.

Parties: Adjuster, Special investigations unit. Rules: State fraud reporting requirements. Callvu moves: classify, decide, write back.

Starts when subrogation recovers money; needs the policyholder's share calculated and payee details verified; ends paid and recorded.

Parties: Policyholder, Recovery team. Callvu moves: decide, write back.

Starts when a beneficiary reports a death; needs each claimant to complete their own part, the death certificate and identity; ends complete for the claims examiner.

Parties: Beneficiaries, Funeral home, Claims examiner. Rules: State prompt payment of life claims rules; Unclaimed property rules. Callvu moves: chase and verify, classify, decide, write back. Use case and claims

Starts from the claimant or employer; needs attending physician statements, employer statement and authorizations; ends complete for the examiner.

Parties: Claimant, Employer, Physician, Claims examiner. Rules: HIPAA authorization; ERISA claims procedure rules (group). Callvu moves: chase and verify, classify, decide, write back.

Starts on a review date; needs updated medical evidence and claimant statements; ends with benefits continued or closed.

Parties: Claimant, Physician, Claims examiner. Rules: ERISA claims procedure rules (group). Callvu moves: chase and verify, decide, write back.

Starts online or by phone; needs documents set by the request type and missing medical reports and invoices chased; ends in claims.

Parties: Member, Medical providers, Claims. Rules: State prompt pay rules. Callvu moves: classify, chase and verify, write back.

Starts when a procedure is scheduled; needs clinical documents and policy checks before the procedure date; ends approved or denied in the health plan system.

Parties: Member, Hospital, Medical reviewer. Rules: Payer rules. Callvu moves: chase and verify, decide, write back. Use case and claims

Starts when a hospital stay needs a complete file; needs records chased from the hospital; ends complete for payment.

Parties: Hospital, Claims. Callvu moves: chase and verify, write back. Use case and claims

Starts from the member; needs diagnosis or accident proof and claim form; ends paid or referred.

Parties: Member, Claims. Rules: State prompt pay rules. Callvu moves: chase and verify, decide, write back.

Starts from the policyholder or family; needs care assessment, plan of care and provider invoices; ends with benefits approved.

Parties: Policyholder, Family, Care provider, Claims examiner. Rules: State long-term care rules. Callvu moves: chase and verify, decide, write back.

Starts when an insured becomes disabled; needs medical proof and the claim form; ends with premiums waived in policy admin.

Parties: Insured, Physician, Claims. Callvu moves: chase and verify, decide, write back.

Starts when an agency wants to sell; needs licenses checked, E&O proof, contracts signed and appointments filed; ends active in the producer system.

Parties: Agent, Agency, Distribution team, State insurance department. Rules: State producer licensing and appointment rules. Callvu moves: chase and verify, decide, write back.

Starts before a license or E&O policy expires; needs proof of renewal chased; ends updated or the appointment suspended.

Parties: Agent, Distribution team. Rules: State producer licensing rules. Callvu moves: chase and verify, write back.

Starts from the agent; needs the policies and statements involved; ends resolved and adjusted in the commission system.

Parties: Agent, Commissions team. Callvu moves: classify, decide, write back.

Starts when a body shop, contractor or provider joins the network; needs licenses, insurance, tax and bank details checked; ends active in the vendor system.

Parties: Vendor, Vendor management, Compliance. Rules: OFAC screening. Callvu moves: chase and verify, decide, write back.

Starts when policies move to a new agent of record; needs letters of authorization and approvals; ends updated in policy admin.

Parties: Policyholders, Old agent, New agent, Distribution team. Callvu moves: chase and verify, decide, write back.

Starts from any channel or the state insurance department; needs the complaint classified and answered on the regulator's clock; ends logged in the complaint register.

Parties: Complainant, Complaints team, State insurance department. Rules: State complaint record and response timelines. Callvu moves: classify, decide, write back.

Starts when a regulator forwards a consumer inquiry; needs the file, facts and response assembled by the deadline; ends sent and recorded.

Parties: State insurance department, Compliance, Claims or underwriting. Rules: State response deadlines. Callvu moves: chase and verify, decide, write back.

Starts from the consumer; needs identity verified and the request type set; ends fulfilled and logged.

Parties: Consumer, Privacy team. Rules: GLBA; State privacy laws; NAIC Model #668. Callvu moves: classify, chase and verify, write back.

Starts on the notice cycle; needs delivery and any opt-out captured; ends recorded against the policy.

Parties: Policyholder. Rules: GLBA. Callvu moves: write back.

Starts when a death match or dormant account is found; needs beneficiaries located and claims completed; ends paid or escheated on time.

Parties: Beneficiaries, Claims, Unclaimed property team. Rules: State unclaimed life insurance benefits acts; Unclaimed property rules. Callvu moves: chase and verify, decide, write back.

Starts when a claimant disputes a decision; needs the appeal, new evidence and a review on the required timeline; ends decided and written to claims.

Parties: Claimant, Appeals reviewer. Rules: State appeal rules; ERISA claims procedure rules (group). Callvu moves: chase and verify, decide, write back.

Starts when underwriting decides not to renew; needs the notice with reasons sent within the required days; ends with delivery recorded.

Parties: Policyholder, Underwriting. Rules: State non-renewal notice rules. Callvu moves: classify, write back.