For independent life-insurance agents

Every email read.
Every document filed.
Nothing sent without you.

Briar is an AI personal assistant for independent life-insurance agents. It watches your inbox, reads carrier documents on your own machine, files them against the right client, tracks every application through underwriting, and drafts your replies — then stops and waits for you.

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Carrier-agnostic: every company, one book
Agent-approved: nothing sends itself
Cited to source: or it says it doesn't know

Overview

What is Briar?

Briar is an AI assistant for independent life-insurance agents. It connects to your inbox and reads every message, files arriving documents against the right client, extracts policy facts from carrier PDFs, tracks applications from submitted to delivered, and drafts your replies — which it holds until you approve them.

What it is: An AI personal assistant — and the system of record — for a life-insurance practice.
Who it's for: Independent life-insurance agents and small agencies in the United States.
What it does: Reads the inbox, extracts facts from carrier documents, files them to the correct client, tracks applications through underwriting, and drafts replies.
What it won't do: Send to a client on its own, or state coverage, eligibility or pricing. Those are licensed representations.
Carriers: Carrier-agnostic. Not built around one company's products or rules.
Price: $99 per agent, per month as a beta user — regular price $199. A credit system is coming.

Built for the actual workflow

Declarations page
Illustration
Policy receipt
Conversion deadline
Accelerated benefit rider
Term expiry
Cash value
Paramed exam
Attending physician statement
Beneficiary change
1035 exchange
Underwriting requirement
Chronic illness rider
Face amount
In-force illustration
Carrier amendment
Delivery receipt
Rating class

How it works

One message, start to finish.

Six stages run on every email that arrives. Briar works through them beside this text as you scroll — the same six it runs at 3am on a Tuesday.

01It arrives
How does Briar see a client's email?
Briar watches the inbox every minute — inbox and spam both, because carrier notices land in spam and matter anyway. Each message is classified by free rules first: sender, labels, whether the address is already on the book. A paid model call happens only when the answer is genuinely ambiguous.
Junk is filed without spending anything. A known client's message is never buried by a promotional signal, and when the rules and Google disagree about whether something is bulk, a local model breaks the tie from the sender and subject alone — never the body.
Proven on a real mailbox: 5,000 messages, 0 errors, 19 minutes.
02It reads the document
How does Briar read a carrier PDF?
The attachment is read on the machine Briar runs on, by a local model, and there is no fallback that sends it out instead. It comes back as typed fields and nothing else — policy number, carrier, coverage, cash value, premium, conversion deadline, riders. There is no free-text field in the output, so an instruction hidden in a PDF has nowhere to live.
Eighteen document kinds are distinguished, because a policy receipt is not a policy and the agent does something different about each. If the scan is too poor to transcribe, Briar looks at the picture itself rather than giving up.
38 typed fields per document. Living-benefit riders found on a real illustration, unprompted.
03It knows whose it is
How does Briar decide which client a document belongs to?
Filing happens only when two independent identifiers agree — the sender resolving to one client, confirmed by the document naming that same person, or a carrier policy number already on the book. A name alone files nothing. A name is what an attacker writes, and fourteen clients on one book can share one.
When signals disagree, Briar consults the relationship graph and asks a one-tap question — “this looks like your client's spouse” — instead of an open one.
Every automatic filing is logged with the evidence behind it.
04You ask
What happens when an agent asks Briar a question?
Ask in the app, or by text. Briar does not answer from memory — it queries its own records, walks the graph from the client to their policies, documents, and relationships, and collects the evidence as it goes.
Broad and shallow by default; narrow and deep only when a real question demands it.
Reads its own retrieved records, never the model's recollection.
05Every figure carries its source
How does Briar prove an answer is true?
Each number in the answer is checked against the record it came from before you ever see it. A coverage amount cites the document it was read from. A claim that cannot be traced is not shown — Briar says it does not have that instead.
The verification runs after the model and before the render, so an ungrounded answer never becomes a file, a letter, or a slide.
Failed verification shows the reasons, in words, rather than a confident guess.
06And then it stops
Does Briar send the reply itself?
The draft is finished, in your voice, with the right facts — and it goes no further. Briar prepares; you release. This is the one rule the entire system is built around, and it holds even when the convenient thing would be to skip it.
Ask by text and Briar will answer anything and prepare anything. It will finish nothing that leaves the building.
Nothing reaches your client without you.

Watch it work

These are things Briar has actually said.

Not a mock-up and not a dramatisation — the exchanges below are real, taken from Briar’s own conversation log, with the client names changed. The typing is an animation. The words are the evidence.

Briar starts the conversation

10 documents have been waiting over a day to be filed. You've got 265 applications stuck for two weeks — up from 257 when I flagged it, and that's the wrong way.

Unprompted. Nobody asked.

Okay, tell me what documents 1 by 1

Four are policy receipts from the same packet — I've read three of them the same way and one differently, so I'd check that one. The other six are declarations pages I couldn't match to a client by two identifiers.

Reads its own record, not its memory.

That opening line is the first message Briar ever sent unprompted — 22:53, to a real phone. Asked to speak again a minute later it stayed silent, because nothing had changed. “Not a nag” is a measured property here, not a promise.

Capabilities

A full assistant, not a feature.

Briar holds the book, works the inbox, reads the documents and prepares the output. Anything marked Roadmap is not built yet — said plainly here, because a product that overstates itself on its own website will overstate itself to your clients.

The inbox

Briar watches it so you do not have to.

Polls every minute — inbox and spam both
Drafts a reply only where one is warranted
Rescues a known client's mail from the spam folder
“Watch for Pacific Life” — and that overrides its own filter for good
Reads years of backlog — 5,000 messages, 0 errors

Documents

One file, one place, filed to the right person.

Read on your own machine — the page never reaches a model vendor
Declarations pages, illustrations, receipts, carrier letters
38 typed fields across 18 document kinds
Files by itself only when two identifiers agree — and asks when they do not
Reads the picture itself when a scan is too poor to transcribe

The book

Briar is the system of record, not a layer on someone else's.

Clients, typed policies, coverage, cash value, conversion deadlines
Applications from submitted through underwriting to delivered
What every carrier is still waiting for, and what nobody has chased
Relationships — spouses, beneficiaries, referrals
Bulk import of an existing book from a CSV export

Judgement

What a great advisor would notice and never has time to act on.

Living-benefit riders clients already hold and were never told about
Conversion windows before they close
Renewal milestones at 5yr, 2yr, 1yr, 6mo and 30 days
A minor named with no trust, an ex-spouse still listed
Every finding quotes the data point that triggered it

Ask it to do the work

Answers that carry their sources, or no answer at all.

Ask anything about a client and get it cited to the record
Draft a letter in your voice, with your sign-off
Build a proposal deck, a Word letter, a spreadsheet, a PDF
Shows the exact wording and address before anything sends
Takes back anything it changed to your book

However you like

You should never have to open a dashboard to ask a question.

The web app — mail, clients, drafts, insights, applications
Text it in plain English — it answers from your book, in its own words
Speaks first when something changed, and stays quiet when nothing did
Learns your nicknames and carrier shorthand — asks once, then knows
Phone — call Briar, and Briar calls carriersRoadmap

Why Briar

Not AI-flavoured software.

It writes the way you write

Every time you edit a draft before approving it, Briar records the correction and updates its model of your voice. The drafts stop needing edits. And you can open what Briar concluded about how you write and change it — a profile that shapes every message and cannot be inspected is one you either trust blindly or distrust entirely.

What you type outranks what Briar inferred. Permanently.

It notices what you never have time to

Term policies from several carriers include terminal, chronic and critical illness accelerated-benefit riders at no extra cost. Most clients holding them have never been told. Briar reads the policy documents it already has and tells you which of your clients are sitting on benefits nobody has mentioned — the single highest-value conversation in a life book, and the one nobody has time to go looking for.

Carriers print riders as codes. Briar reads the ones it knows and asks you about the rest.

It is one workflow, not five tools

The insight, the draft, the document, the application, the send — one system. Briar is the system of record itself, so you are not paying for it alongside a CRM and reconciling two books that disagree. An existing book imports from a CSV export, and the inbox fills the rest in by itself.

Briar holds the book. It does not sit on top of somebody else's.

It is built to survive a regulator

Agencies and uplines are liable for their vendors, so Briar is built to be examined. Client data is isolated by the database itself rather than by application code. Every automatic decision is logged with the evidence behind it. Briar never states coverage, eligibility or pricing to a client, because that is a licensed representation and an E&O exposure — a wrong figure is professional liability whether a human or a model said it.

“Why did that end up there?” is always answerable.

5,000: messages backfilled in one run; 0 errors · 19 minutes
52: tables with tenant isolation; enforced by PostgreSQL, verified automatically
38: typed fields per document; across 18 document kinds
95%: of words read correctly from a photographed page; measured on a real scanned policy

The promises

A wrong answer that looks right is worse than none.

That sentence decided more of Briar's design than any other. It is why Briar refuses rather than guesses, why every figure carries a source, and why it is built to fail loudly instead of quietly.

Nothing reaches your client without you.: Briar prepares; you release. An inbound email can never cause an outbound one, and no lane can send on the first message — you see the exact wording and the exact address first.
Your clients' documents stay on your machine.: The model that reads a carrier PDF runs locally, and there is no fallback that sends it out if that model is busy. The overnight pass that reads client files works the same way.
Anything Briar did, Briar can take back.: The previous value of every row is recorded before the change, in the same transaction, so an undo reverses exactly what was changed — and skips anything you have edited by hand since.
Briar never claims anything.: It relays what it holds and shows you where it came from. It will say “I don't have that” rather than guess.
Your data is yours.: No other agent can see it. Isolation is enforced by PostgreSQL itself, so a bug in the application cannot leak across agents.
Briar asks rather than guesses.: It files by itself only when two independent identifiers agree — never on a name alone, and it tells you when it cannot see rather than hiding behind a healthy-looking dashboard.

Pricing

Independent agents and small agencies.

Briar is carrier-agnostic. It is not built around one company's products or rules, so an agent writing with several carriers sees one book rather than one silo per company.

Beta pricing

$99$199

per agent, per month — regular price $199

$99 is the founding-agent rate while Briar is in beta. It is only worth paying if Briar genuinely replaces the administrative work rather than adding another tool to manage — which is the standard it is built and measured against, and the standard you should hold it to.

Briar is moving to a credit system, where you pay for what Briar actually does rather than a flat seat. That is coming soon; until it ships, the monthly rate above is the whole price.

Your whole book, imported from a CSV export
Your inbox connected — Briar fills in the rest
Every agent's data isolated at the database level
Onboarding walked through field by field

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Guides

The parts of the job nobody writes down.

Reference pages we wrote because Briar had to know this to do its work, and there was nowhere good to point an agent who asked.

All guides

Reference

Most people who own living benefits have never been told.

Accelerated death benefit riders are attached to a very large number of term policies, frequently at no additional premium. They pay the policyholder while they are alive. Almost nobody knows they have them.

Reference

The conversion privilege expires quietly.

A convertible term policy can become permanent coverage with no new underwriting — until a date that is not printed anywhere obvious, computed from whichever of two clocks runs out first.

Checklist

A policy review checklist you can work down the phone.

Thirty-eight things worth checking, grouped the way the conversation actually runs — the contract, the money, the people, the risk, and the paperwork — plus the opening lines that get the meeting.

FAQ

Asked and answered.

Straight answers, including the ones with a “no” in them.

All questions

Do my clients' documents get sent to an AI company?

No. Briar reads client documents on the machine it runs on, using a local model, and there is no fallback that sends them out if that model is busy. The same is true of the overnight pass that reads client files for opportunities. Birth dates, premiums, coverage amounts and anything medical stay on your own hardware.

Does Briar send emails to my clients automatically?

No. An inbound email can never cause an outbound one. Briar prepares a draft and stops; the agent reviews and releases it. The single exception is an optional document-received receipt, off by default, using wording the agent wrote in advance — never text a model generated.

Is Briar a CRM, or does it sit on top of one?

Briar is the system of record itself. It holds contacts, policies, documents, applications in flight, commissions, tasks, and history — so an agent does not pay for Briar alongside a CRM. It can import an existing book from a CSV export, and it builds the book automatically from the inbox.

Can I undo something Briar did to my book?

Yes. Before Briar changes anything it records the previous value of every row it is about to touch, in the same transaction as the change, so an undo writes the old values back rather than reverting to a snapshot. If a row was edited by hand since, it is skipped and counted rather than dragged back. Say it was wrong and it comes back.

Is Briar cheaper than hiring an assistant?

That is the comparison it is built for. A part-time licensed assistant in the United States runs several thousand dollars a month; Briar is $99 per agent per month in beta against a regular price of $199. It is worth that only if it genuinely removes administrative work rather than adding a tool to manage, which is the standard it is measured against.

Does Briar replace the licensed agent?

No, and it is deliberately built not to. Briar never states coverage, eligibility, or pricing to a client — that is a licensed representation and an E&O exposure. It handles administration so the agent spends their time on the work only a licensed human may do.

Early access

Briar does the admin. You do the part only a licensed human can.

Briar is onboarding a small number of independent agents. If you write life and you are spending your week on administration instead of clients, get in touch and tell us what your week actually looks like.

Request access hello@meetbriar.com

Every email read.Every document filed.Nothing sent without you.