Loan / Insurance Lead Qualification
Qualify and route inbound finance leads instantly, book the advisor call, and keep the CRM clean — compliantly.
Voice / SIPWhatsAppSMS < 60s to first contact
Financial Services
Qualify, renew and collect — compliantly, at scale
Lead qualification, policy renewals, payment reminders and document chasing — across voice, WhatsApp, SMS and email, in 40+ languages. No regulated advice.
Compliant, polite reminders only. Mihu gives no regulated financial advice — anything needing a licensed human is escalated to one, with full context.
Revenue operation
Deal stage
59 outcomes
Policy Renewal & Lapse Rescue
Drive on-time renewals and rescue lapsing policies or subscriptions with timely, compliant outreach.
Voice / SIPWhatsAppSMS +12% renewal ratePayment Reminder & Collections
Recover overdue payments with polite, compliant reminders, a secure pay link, and flexible plan options.
Voice / SIPWhatsAppSMS -9d days sales outstandingApplication Status & Document Chase
Answer 'where's my application' 24/7 and chase missing documents so cases don't stall — without tying up staff.
Voice / SIPWhatsAppSMSEmail -30% stalled casesAdviser Appointment Booking
Fill adviser diaries and cut no-shows — booking, reminders and rebooking, with no advice given.
Voice / SIPWhatsAppSMS -21% adviser no-showsQuote Follow-up & Application Completion
Chase the quotes that stall halfway — chasing documents and process questions, never advising on the product.
WhatsAppSMSVoice / SIP +18% applications completedAnnual Review & Rate-Change Outreach
Reach every customer due a review or facing a rate change, and book them with an adviser — no advice given.
SMSWhatsAppEmail +15% reviews bookedKYC & Onboarding Document Chase
Get new customers through KYC without the back-and-forth that loses half of them.
WhatsAppSMSEmail -44% onboarding drop-offEligibility & Product Change Notification
Tell customers, factually, when they become eligible for something — and book them with an adviser.
SMSWhatsAppEmail +19% adviser calls bookedLapsed Policy Win-back
Reach customers whose policy lapsed while there's still a straightforward route back on cover.
Voice / SIPWhatsAppSMS +16% lapsed policies reinstatedMortgage Pre-Qualification Intake
Qualify mortgage enquiries and route them to the right loan officer fast, with a compliant soft credit check and no lending decision made by the agent.
Voice / SIP 35% enquiry-to-application conversionLoan Document Collection & Stacking
Collect and organize borrower documents so underwriting isn't held up chasing paperwork.
SMSWhatsApp -40% document-related underwriting delaysRate Lock Expiry Management
Track rate lock expiration and coordinate extensions or relocks before a borrower loses their rate.
Voice / SIP 100% rate locks with proactive alertsLoan Status Milestone Notification
Keep borrowers informed at each stage of the loan process, cutting status-check calls to staff.
SMSEmail -50% borrower-initiated status callsAdverse Action / Declined Application Notice
Communicate a declined credit application compliantly, with the legally required notice and reasons.
Email 100% adverse action notices sent in windowHome Equity / Refinance Opportunity Screening
Identify existing customers who may benefit from a refinance conversation — informational only, never a recommendation.
EmailVoice / SIP 15% consultation booking rateAuto/Personal Loan Application Follow-up
Follow up on started-but-incomplete loan applications and recover them before they go cold.
SMSVoice / SIP 45% incomplete applications recoveredBusiness / Commercial Loan Enquiry Routing
Route business lending enquiries to the correct commercial specialist with the right documentation checklist ready.
Voice / SIP 40% enquiry-to-consultation bookingLoan Payoff Quote Request Handling
Generate and deliver accurate payoff quotes quickly, including per-diem interest.
Email 95% payoff quotes delivered within 24hCredit Line Increase Request Handling
Process credit line increase requests through the correct workflow without the agent making the credit decision.
Voice / SIP 90% requests processed within SLAFirst Notice of Loss (FNOL) Intake
Capture a claim's initial details accurately and completely at first report, any hour of the day.
Voice / SIP 95% FNOL captured completely on first contactClaims Status Update & Document Request
Keep claimants informed throughout the claims process and collect needed documentation proactively.
SMSEmail 90% claimants updated weekly on open claimsPolicy Endorsement / Change Request
Process routine policy changes efficiently, routing anything needing underwriting review correctly.
Voice / SIP 90% routine changes processed same-dayNew Policy Binding & Welcome Sequence
Get a newly bound policyholder oriented right after purchase, with a plain-language coverage summary.
EmailWhatsApp 40% 30-day check-in engagementMulti-Policy Bundle Opportunity Screening
Identify single-policy customers who may benefit from bundling — informational only, routed to a licensed agent.
Voice / SIP 25% consultation-to-bundle conversionClaims Satisfaction Follow-up
Check in after a claim closes to capture satisfaction and catch any lingering process issue.
Voice / SIP 85% closed claims followed up withCertificate of Insurance (COI) Fulfillment
Fulfill certificate of insurance requests quickly, matched exactly to the third party's requirements.
Email 90% COI requests fulfilled within 4hRenewal Underwriting Information Update
Collect updated underwriting information ahead of renewal, flagging material changes for review.
SMSEmail -30% under-insurance risk from stale infoTotal Loss Settlement Coordination
Coordinate the practical logistics of a total loss settlement, including lienholder payoff, without touching the valuation.
Email 85% settlements within carrier's target timelineLife Insurance Beneficiary Claim Support
Guide beneficiaries through the life insurance claim process with care, clarity, and appropriate escalation.
Voice / SIP 95% documentation communicated clearly on first contactNew Client Onboarding & Account Opening
Coordinate the multi-step account opening process for new advisory clients, from e-signature through funding.
Email 85% onboarding completed within target timelinePortfolio Review Appointment Scheduling
Keep the adviser's review calendar full and on schedule per each client's agreed cadence.
Voice / SIP 92% clients scheduled per agreed cadenceRequired Minimum Distribution (RMD) Reminder
Remind eligible clients of their RMD deadline in plain language, without calculating an amount.
EmailSMS 98% RMDs completed before deadlineLife Event Trigger Check-in
Reach out when a life event is mentioned or known, prompting a review conversation with the adviser.
Voice / SIP 70% detected events resulting in a scheduled reviewHeld-Away Account Aggregation Reminder
Encourage clients to link external accounts to the adviser's aggregation platform for a complete household view.
Email 60% clients with all known accounts linkedClient Document Vault Upload Reminder
Get key estate planning and financial documents uploaded to the secure client vault.
WhatsApp 70% vault completeness for active planning clientsFee Disclosure & Billing Question Handling
Answer straightforward fee/billing questions accurately, without discussing investment performance or advice.
Voice / SIP 75% fee/billing questions resolved without escalationProspective Client Discovery Call Scheduling
Convert prospective client inquiries into a booked discovery call with the right adviser.
Voice / SIP 60% prospect inquiries booked to a discovery callClient Referral Program Activation
Turn satisfied advisory clients into a referral source with a natural, not generic, ask.
Voice / SIP 35% referral-to-discovery-call conversionMarket Volatility Client Communication
Proactively reach anxious clients during market volatility with firm-approved messaging, never specific investment advice.
EmailVoice / SIP 90% clients reached within 24h of a triggerHardship Program Application Support
Help customers experiencing financial hardship navigate the application process, without deciding eligibility.
Voice / SIPEmail 80% hardship applications completed in target timelineAutopay / Payment Method Setup Assistance
Reduce future delinquency risk by helping customers set up automatic payments at natural moments.
SMSWhatsApp -60% repeat delinquency vs. manual payDispute / Fraud Claim Intake
Take transaction dispute and fraud claims completely and accurately at first contact.
Voice / SIP 95% disputes captured completely on first contactDormant Account Reactivation
Reactivate dormant deposit/investment accounts before they hit escheatment risk.
EmailVoice / SIP 25% reactivation rateOverdraft / NSF Notification & Resolution
Notify customers of an overdraft/NSF event immediately, with same-day resolution where possible.
SMS 40% same-day resolution rateCard Replacement & Activation Coordination
Coordinate lost/stolen/expired card replacement and activation smoothly, blocking the old card immediately.
Voice / SIPSMS 85% cards activated within 24h of deliveryStatement / Tax Document Delivery Confirmation
Confirm customers actually received and can access required statements and tax documents.
SMSEmail 97% required documents confirmed delivered by deadlinePayment Plan Setup for Delinquent Accounts
Set up structured payment plans for delinquent accounts within pre-approved standard parameters.
Voice / SIP 65% payment plan completion rateAccount Closure Request Processing
Process voluntary account closure requests completely and correctly, without pressuring retention.
Email 95% closures processed within disclosed timelineRegulatory Disclosure Delivery & Acknowledgment
Deliver required regulatory disclosures and capture acknowledgment reliably, with a complete audit trail.
Email 100% disclosures delivered within deadlineSuspicious Activity Escalation (Non-Determinative)
Flag potentially suspicious account activity patterns to compliance — the agent never makes a SAR determination itself.
Email 100% flagged patterns escalated in required timelineKnow-Your-Customer (KYC) Periodic Refresh
Collect periodic KYC refresh information required for ongoing regulatory compliance.
EmailVoice / SIP 95% due accounts refreshed within regulatory timelineComplaint Intake & Regulatory Routing
Capture formal client complaints completely and route them per the institution's required procedure.
Voice / SIP 100% complaints acknowledged within required timeframeBeneficiary Designation Update Reminder
Prompt clients to review beneficiary designations at appropriate life-event triggers.
Email 60% flagged accounts reviewed within 60 daysRecorded Line Consent & Disclosure
Ensure required call recording/consent disclosures are delivered and confirmed consistently, by jurisdiction.
Voice / SIP 100% calls with correct disclosure delivered and loggedMarketing Consent (Opt-in/Opt-out) Management
Maintain accurate, auditable consent records for marketing communications across every channel.
Email 100% opt-outs applied across channels within 24hAnnual Privacy Notice & Data Sharing Disclosure
Deliver the annual privacy notice and data-sharing opt-out options required by regulation.
Email 100% notices delivered within required annual windowAdviser License Renewal Tracking (Firm-Facing)
Track and remind advisers/agents of their license and continuing education renewal deadlines, by state.
Email 99% licenses/CE renewed before expiryCommunication Preference & Accessibility
Capture and honor client communication preferences and accessibility needs consistently across every interaction.
Voice / SIP 98% recorded preferences honored across interactionsNo outcomes match your filters.
Why teams choose Mihu
- Never miss a lead
- Fill the calendar
- Recover revenue that's slipping away
- Cut cost-to-serve
- One layer across voice + messaging