# Marcus Delgado, Agency Owner at Delgado & Associates Insurance — read of Insurance Lapse Recovery Voice Agent, June 9, 2026

> 14 years independent, P&C and life, 3-person shop in Albuquerque. Currently using HawkSoft AMS and a very tired spreadsheet.

## How I got here

Someone in our state IIABA Facebook group posted it last week with a comment like "anyone tried this?" Got maybe four replies, nobody had. Bookmarked it, came back to it this morning during my commute while my daughter's soccer carpool drama unfolded in the back seat. Opened it on my phone in the parking lot before walking in.

## What I clicked first

"Stop cancellations before they happen" is fine, every renewal tool says that. What stopped me was the specific breakdown under "The problem. Why renewals lapse." It narrated my actual workflow almost exactly. "You call at day 45 and get voicemail. Prospect never calls back. Day 60 arrives and the policy cancels." That's not generic. Whoever wrote that has either worked in an agency or talked to a lot of us. The specificity of the days earned a minute of my time.

## Where I paused

The pricing section. No monthly seat fees, no contracts, $2.50 per call standard, $4.00 warm handoff. That's not insane. My math: if I upload 80 at-risk renewals a month, that's $200-320 to run the list. If 18% recover, that's 14-15 policies I keep. At an average annual premium of, say, $1,200 and a 15% commission, that's $2,700 retained commission against $300 in call costs. On paper, fine. I actually did that math twice because I wanted to find the hole. I didn't immediately find it. That bothered me a little, in a good way.

## What I distrusted

Two things, and the second one is pretty significant.

First: "No robocall feel. Real conversation." That claim is doing a lot of work and there's zero proof behind it. No audio clip. No transcript excerpt. Nothing. Every AI voice tool in 2025 said "sounds human" and about 60% of them made my skin crawl. I wanted a 30-second sample and there isn't one. The "Watch 2-min demo" link I assume exists but I didn't chase it on my phone.

Second, and this one's bigger: I scrolled to the bottom and found this. "Honest disclosure: we don't have live customers on this idea yet. We shipped the strategy package; you ship the customer conversations." Then I saw the pricing tiers: free, $5 dossier, $99-$199 for a code starter. This is not a deployed product. It's an idea being sold as a kit. The whole page reads like a live SaaS product. The hero, the feature bullets, the stats, the per-call pricing. But none of that is real yet. The 18-22% recovery rate, the 45-plus minutes saved per week, the "synced to your CRM in real time" -- those are projections, not results. I had to scroll almost to the bottom of a long page to find out I was reading a business idea, not a product I could sign up for today.

That's not dishonest exactly, since they do disclose it. But the page is structured to give the opposite impression for a long time.

Also: "Year-1 take-home (Fermi): -$35,320." Negative. That's in the scoring section. I respect that it's there. I do not understand why someone would lead with a recovery rate claim of 18-22% and then bury a negative first-year take-home in fine print.

## What would convince me

A 60-second call recording. Not a produced demo, a real call. Even with names bleeped. I want to hear how the AI handles a prospect who says "yeah I've been meaning to call you, I actually switched to State Farm last month." That's the moment that matters. Does it handle objection gracefully or does it stall? Robocall tests happen in the awkward pauses.

Also: one specific agency owner, by name and state, saying what their retention rate was before and after. Not a stat averaged across "at-risk policies." A human being. "Bridget Torres, Flagstaff, AZ. Was losing 22% of renewals, down to 11% after 90 days." That I would call.

## What I'd ask in an email reply

1. The compliance section mentions DNC list integration and consent tracking, but insurance voice outreach has state-level wrinkles beyond federal TCPA -- some states require prior written consent for auto-dialers even for existing customers. What states is this currently compliant for, and where does the liability sit if we get a complaint?

2. My AMS is HawkSoft. The page says "synced to your CRM in real time." Does the integration actually exist, or is the sync currently a CSV export I read manually?

3. The $2.50 standard call tier says the prospect calls my main office line. But in the workflow described, the AI makes the outbound call. So who exactly is calling whom on the standard tier, and does the agent ever hear the conversation live or only after?

## Verdict: on-the-fence

The pain articulation is the best I've seen for this specific problem. The per-call pricing structure makes sense for how I'd actually use this. But the "no live customers yet" disclosure plus the missing voice sample plus the negative year-1 estimate means I'm not paying anything without hearing an actual call first.

---
*Memo by skeptic persona, generated 2026-06-09. Studio breaks own self-grading loop.*