CogentIntelligence
AI agents for mortgage and insurance brokers
Brokers lose hours chasing payslips and bank statements, and renewals are easy to miss. Cogent chases documents, tracks expiries and keeps clients updated. Advice stays with you.
01Where the week goes
We work with mortgage advisers, protection advisers and general insurance brokers. The details differ from firm to firm, but the same few jobs come up on almost every discovery call:
- Document chasing. Payslips, statements and ID arrive in pieces.
- Product expiries. Retention depends on contacting clients early.
- Case updates. Clients and agents want progress updates.
- Lead follow-up. Protection and remortgage leads.
None of these need your expertise. They need doing quickly, the same way every time, and that's exactly the kind of work AI agents do well, with your Business Map telling them how your business runs.
Key idea
Retention is won 90 days before a product expires.
02Agents built for mortgage and insurance brokers
These are the agents we most often switch on first in this sector. Each one reads your second brain, works around the clock and asks you before anything that matters.
- Trigger
- A fact-find starts
- Does
- Lists and chases missing documents
- Asks you
- Before a third chase
- Trigger
- A product is 120 days from expiry
- Does
- Contacts the client to book a review
- Asks you
- Before any message
- Trigger
- A case milestone changes
- Does
- Drafts updates for client and agent
- Asks you
- Before sending
Your first agent is the one with the highest score on your discovery call, not the one on the top of this list. Most firms add a second and third over the following months.
03Ask your business anything
Because every agent writes to the same memory, you can ask questions in plain English that used to mean an afternoon in spreadsheets and inboxes.
YouWhich clients' products expire in the next 4 months?
Cogent31.
YouWhich cases are waiting on documents?
CogentNine.
04Your Monday briefing
At 7am every Monday you get a short briefing built from your own tools: what came in, what's stuck and what changed.
05Find your peak
On the call we score every repeating job by hours a week × how easy it is to hand off (1 hard, 2 medium, 3 easy). The highest score gets built first. Here's how a typical list might look.
| Job | Hours a week | Ease | Score |
|---|---|---|---|
| Chasing documents | 6 | 3 | 18 |
| Case updates | 4 | 3 | 12 |
| Expiry outreach | 3 | 3 | 9 |
Example · dummy data. Score = hours a week × ease.
In this example, chasing documents is the peak. Run your own numbers with the calculator on our home page, or bring them to the call.
06Where approvals sit
Every agent starts on a short lead. Here's a typical starting point for this sector. Yours is written into your Business Map.
Does alone
- Logging documents
- Drafting reminders
Asks first
- All client messages
- Anything about products
Never
- Giving advice
- Recommending products
Regulated advice is never automated. Every client-facing message is approved by an adviser, and actions are logged for your compliance file.
07Works with the tools you already use
We connect to what you have rather than asking you to move. Common tools in this sector include Acre, Mortgage Brain, Iress, Twenty7tec, Outlook and email. If a system has no integration, a Portal Operator agent can work it the way a person would.
08Questions
Can AI chase mortgage documents?
Yes. It lists exactly what's missing and chases it.
Is it FCA compliant?
It never gives advice. Advisers approve every client message, and everything is logged.