Quote more accounts using AI Agents
XILO's AI Agent handles everything from researching your client, quoting every P&C market, to delivering the proposal, with every data point synced to your core Management Systems along the way.
Trusted by Industry Leaders:
From new opportunity to closed policy, all in one system
1
New Opportunity
Branded consumer experiences turn your website, referrals, and renewals into qualified opportunities, so no lead slips away.
2
Application Completed
Smart intake, document OCR, and data enrichment complete the application, so clients answer less and you get more.
3
Carriers Quoted
Every market in your appetite gets quoted, with the AI Agent browsing carrier portals through the Chrome extension, so no premium is left on the table.
4
Proposal Delivered
A branded, client-ready proposal is built the moment quotes return, so you present in minutes, not days.
5
Policy Closed
Built-in CRM, dashboards, and analytics track every deal to close, with every data point already in your AMS, no re-keying.
Governed by your knowledge
Every agent operates on an intelligence layer built from your SOPs, market appetite, and carrier preferences, so the work is done your way, not a generic way.
One AI Agent for Intake, Quoting and Proposals
One AI Agent executes every stage of distribution for every P&C company, taking an account from raw lead to a proposal in your client's hands.
AI Intake Agent
Hand-off online client research to an AI Agent. XILO's AI Agent researches the properties, vehicles, and people in the household, or the commercial space, and completes the submission, including ACORDs, with everything pushed straight into your AMS. It can also read data from any uploaded document. Intake and AMS data entry drops from 45 minutes to 10 — and 5 of those run purely on the AI Agent, so you can work on other tasks.
AI Quoting Agents
Quote every carrier you're appointed with, using agentic browsing through the XILO Chrome extension. Full market coverage without the manual work — every quote logged and synced automatically. Quoting drops from 45–90 minutes to 15–20, with less than 5 minutes of human involvement.
AI Proposal Agent
Generates your custom PDF proposal, or a standard one we create for you, the moment quotes return. Handles tables, pages, coverage comparisons, recommendations, premium calculations, photo insertion, and more. Proposals go from 45 minutes to 5.
Sales Management, CRM & Analytics
Track every opportunity through your pipeline with automated follow-up and a full analytics dashboard showing close rates, quote volumes, and revenue trends. XILO is the only system that lets you run full analytics on your submission data — the properties, pets, and people on every policy — enabling far more robust cross-selling.
Online Shopping Experiences
Build digital storefronts where your clients shop for insurance across any product line. If you bring your own carrier APIs and relationships, we can connect them to return quotes — XILO doesn't supply the carrier APIs, we integrate the ones you have.
The outcomes brokers talk about
The quoting agent is faster and smarter, especially with policy breakdowns. I ran multiple homes across different states and carriers like Chubb, and it kept everything within the same quote. On proposals, the process is working better and saved me about an hour of work. It looks pretty solid.
Karl
EPIC Brokers
Love XILO! It's been a game-changer for our sales process. With XILO, we've boosted productivity and seen a noticeable increase in business growth.
Leslie Ginn
Personal Lines Manager, Towne Bank
I would give it a 5 as it seems to be easy to work with. I would recommend it to others.
Kyle Vandruff
Insurance Agency Of Mid-America
I know that Quoting Agents will be the only way I will quote new business moving forward.
Matt
World Insurance Associates
I would say game changer, truly, this is like nothing else. We've never seen something that was that close to the accurate premiums, because you're running loss histories and MVRs. That's totally different than anything we've ever used before.
Samantha Winick
IMA Financial Group
It's a total game changer. I only took 10 minutes instead of 1 hour and 45 minutes to do five quotes.
Zack Bialik
Smith & Eddy Insurance
We rate this as a 6 (out of 5). This is a game changer. It's solutions like this that help us optimize our time.
Brock Murphy
North Risk Partners
“The customer service is fantastic and they are building a great product.”
Troy
Unisource
"XILO makes the information gathering process so easy! This process frees up some of our time by having the client input their info and then you can bridge the info into certain raters!! Product and ease of use gets better and better as we use it!"
Matt
Heritage Agencies
Works with all P&C policy lines
Distribution looks different in every segment. XILO's AI Agent is configured to the product lines and clients you serve.
Personal Lines
Non-Standard
High volume, thin margins, constant remarkets. Quote every call-in before they hang up.
Personal Lines
Middle-Market
Win referral partners with same-hour turnaround and round every account you touch.
Commercial Lines
Middle-Market & Large
Complete submissions to every market, and renewals remarketed on time, every time.
Personal Lines
High-Net-Worth
Complex schedules, white-glove expectations. Proposals worthy of the client.
Commercial Lines
Small Commercial
BOP, GL, and comp at a cost-to-write that finally makes small business worth writing.
ROI Measured in agentic outcomes
Unlike traditional software, XILO's ROI is measured in outcomes. One AI Agent moves the KPIs across intake, quoting, and proposing.
Built for brokers by brokers and AI experts
XILO has spent eight years building the platform and client experiences independent insurance agencies use to compete: modern intake, carrier pre-fill, and integrations across the industry's AMS, rater, and CRM stack. The AI Agent is the next chapter of that same mission, built on infrastructure that has already processed the business of hundreds of agencies.
Enterprise-grade security and controls
SOC 2 Type II certified, with the default controls carriers and enterprise brokerages expect.
AI Agents for insurance distribution, explained
What is an AI Agent for insurance distribution?
An AI Agent is a software teammate that executes insurance distribution work end to end, client intake, submission research, multi-carrier quoting, proposal generation, and AMS data entry. Unlike chatbots or form tools, it completes the work itself, governed by the agency's own SOPs, carrier appetite, and market preferences.
What does XILO do?
XILO is an AI-native platform for P&C insurance distribution. Its AI Agent takes a client from new lead or renewal request to a delivered, quote-backed proposal, automating intake, quoting across the agency's carrier markets, proposal generation, and data entry into the AMS and CRM.
How does XILO's AI Agent quote insurance?
Through agentic browsing. Using the XILO Chrome extension, the AI Agent operates carrier portals directly with a human in the loop, either the agency's staff or XILO's managed team, so every market in your appetite gets quoted.
Does XILO integrate with my AMS, CRM, and raters?
Yes. XILO pushes and pulls data bi-directionally across 300+ integrations, including AMS360, Applied Epic, EZLynx, HawkSoft, PL Rating, QuoteRUSH, AgencyZoom, Salesforce, Dynamics 365, and ACORD forms. Your AMS stays the system of record, nothing is keyed twice.
Who is XILO built for?
Independent agencies and brokers first, across non-standard, middle-market, and high-net-worth personal lines, and small to large commercial. The same distribution automation serves wholesalers, MGAs, and carriers who need faster, more complete submissions moving through their channels.
What if my agency isn't ready to deploy AI itself?
XILO offers AI Agent Management Services: your team submits client files to XILO, and XILO's team deploys, governs, and manages the AI Agent, returning finished, quote-backed proposals. You get AI-native outcomes without running an internal AI adoption program.