Sales Assessment & AI Roleplay for Insurance
Certify every agent against your carrier's rubric before they sell or service. Simmie scores needs analysis, suitability, claims empathy, and compliance — with pass gates that make readiness binary, not subjective.
Used by agents at leading insurance carriers
"They passed training" isn't the same as ready
Most insurance training ends with a multiple-choice exam. That tells you the agent can recognize the right answer — not whether they can deliver it on a kitchen-table call when a customer pushes back, gets emotional, or misunderstands a policy term.
The Old Way
Pre-licensing course, carrier product training, a knowledge test, and a few shadowed calls. No published bar for live calls. No documented readiness on suitability or claims empathy.
The Simmie Way
Four pass gates. One rubric per gate. Binary readiness. Every agent scored against the same bar with a transcript and rubric breakdown attached to every attempt — defensible if a market conduct examiner ever asks.
Binary readiness. Published rubrics. Zero ambiguity.
Every agent must clear each gate before progressing. The bar is the same for everyone — across shifts, agencies, and lines of business.
Product Foundation Gate
Explains coverage, exclusions, and policy mechanics without reading from the brochure — in language a non-expert understands.
Agents who memorize features but can't answer "what's actually covered if X happens?"
Needs Analysis Gate
Conducts a complete fact-find, surfaces unstated risk, and ties recommendations to documented client priorities.
Quote-and-hope selling — recommendations untethered from what the client actually said they needed.
Suitability & Compliance Gate
Recommends suitable coverage, documents replacement comparisons, and uses approved language for life and annuity products.
Anyone who would put the carrier (or the agent's license) at risk on a Reg 187 or NAIC suitability review.
Claims Empathy Gate
Handles a first-notice-of-loss conversation with appropriate empathy, accurate expectations, and process clarity.
Agents who default to script-reading when a customer is calling on the worst day of their year.
The rubric every gate is scored against
Customizable to your carrier's playbook and product mix. Below is the default insurance rubric — four equally weighted categories, each with explicit pass criteria.
Discovery & Needs Analysis
25%- Surfaces stated and unstated coverage needs
- Quantifies financial exposure and replacement value
- Identifies dependents, beneficiaries, and life events
Suitability & Documentation
25%- Confirms suitability for life, annuity, and LTC products
- Documents replacement comparisons (Reg 187 / NAIC)
- Captures the data needed for an audit-ready file
Compliance & Disclosure
25%- Uses approved product language and disclaimers
- Discloses commissions, surrender charges, and exclusions
- Avoids guarantees and forward-looking claims
Customer Experience
25%- Demonstrates empathy on claims and renewal calls
- Handles price objections with transparency
- Sets correct expectations on timelines and process
Insurance Scenarios
The conversations that decide whether a customer renews — or shops the next time the bill hits.
New Auto + Home Quote
A young homeowner is shopping aggressively on price. Conduct a fact-find that uncovers gaps before defaulting to a quote.
Life Insurance Needs Conversation
A new parent wants "the cheapest term policy." Surface the income-replacement and education-funding gap.
First-Notice-of-Loss Call
A customer calls in tears after a kitchen fire. Lead with empathy, set realistic expectations, document accurately.
Renewal Premium Increase
Annual premium jumped 18%. Defend the increase, explore loyalty discounts, and prevent shopping.
Annuity Suitability Conversation
A 67-year-old wants "guaranteed income." Walk through suitability, surrender charges, and Reg 187 documentation.
Cross-Sell from Auto to Umbrella
An auto-only customer just upgraded to a $1.2M home. Surface the umbrella gap without sounding pushy.
See a Sample Pass Gate Roleplay
A snippet from the Claims Empathy Gate — first-notice-of-loss after a kitchen fire.
I'm calling because there was a fire in our kitchen this morning. The fire department just left. I don't even know where to start. Are we — is this even covered?
First — is everyone safe? Take a breath. I'm going to walk through this with you. Yes, kitchen fires are exactly what your homeowners policy is built for. I'm opening a claim right now while we talk. The most important thing in the next hour is documenting what happened with photos — can you tell me what room you're in right now?
I'm on the front porch. The kids are with my mom. How long until someone gets here? And — I'm sorry — how much is this going to cost me?
Why Insurance Teams Choose Simmie
Pass Gates Make Readiness Binary
No more "they sat through training, ship them." Each gate is a published rubric — agents either meet the bar or they don't. Managers see exactly which gate is blocking each agent.
Suitability & Compliance Built In
Reg 187, NAIC suitability, replacement comparisons, and approved product language are scored automatically on every roleplay. Agents build the compliance habit alongside the sales skill.
Audit-Ready Certification Records
Every gate attempt is logged with transcript, score, and rubric breakdown. Hand a market conduct examiner the certification trail without scrambling.
Certify agents without recording a single customer call
Recording real claims and sales calls creates compliance exposure, consent friction, and PII concerns. Simmie generates the same readiness signal from simulations — with zero impact on real customer trust.
Stop guessing who's ready. Start certifying.
See how leading carriers and agencies use Simmie's pass gates and certification rubrics to defensibly certify every agent — before the first kitchen-table call.