Point of viewCustomer & complaints

Every call, every survey: what changes when an insurer hears all of its customers

Sampling a few percent of calls and surveys was a constraint of human review, not a strategy. GenAI pipelines now make it practical to analyse every interaction — if personal data is handled first and the output is structured enough to act on.

7 min read By · Point of view
100%
of call transcripts analysed in our work for a Fortune 500 specialty insurer, at about 2.3 seconds each1

Key takeaways

  • Quality teams have traditionally reviewed a small sample of calls; GenAI makes full coverage practical1.
  • The output has to be structured — intent, sentiment, complaint level, claims mentioned — or it becomes another unread report.
  • Personal data must be detected and masked before any text reaches a model2.
  • Multilingual programmes need regional nuance, not one generic model per language.

Most insurers know what a sample of their customers think. Quality teams listen to a handful of calls per agent each month, survey programmes report scores by quarter, and complaint teams see what customers chose to escalate. Everything else — the reasons customers call back, the claim that is approved but not paid, the policy wording nobody understands — sits in transcripts and verbatims that no one reads.

That was a constraint of human review. It no longer needs to be. In our work for a Fortune 500 specialty insurer protecting more than 300 million consumers, a GenAI pipeline analyses every call transcript in about 2.3 seconds, alongside complaints and survey verbatims in six languages1.

From sampling to full coverage

Full coverage changes what the business can ask. Instead of ‘what did the sample say?’, leaders can ask which claim types drive repeat calls this week, which agents resolve on the first call, and which regions are seeing new themes. The answers are only useful if the model output is structured. In the call pipeline, each transcript returns a category, sub-category and reason, sentiment with emotional context, a complaint level, any claims mentioned, an agent quality score and a summary — as JSON, ready for the warehouse and dashboards1.

Exhibit 1

What one call returns

Fields produced for each transcript in the call-intelligence pipeline

FieldWhat it captures
IntentCategory, sub-category and reason
SentimentOverall score with emotional context
Complaint levelL0 critical to L3 low
ClaimsClaim numbers and types mentioned
QualityFive-stage agent assessment, intro to close
SummaryA short narrative of the call

Note: From the specialty-insurer case study (scale of the build).

Source: DaasLabs, “Case study: GenAI customer intelligence for a Fortune 500 specialty insurer” (2026)

Privacy comes before the model

Calls and surveys are full of policy numbers, addresses, phone numbers and email addresses. The pipeline we built masks them before any text reaches the language model, using Microsoft Presidio for detection alongside spaCy entity recognition and context-aware checks12. That ordering matters: it is far easier to evidence to a privacy regulator that personal data never reached a model than to explain what the model did with it.

Language is culture, not just words

Across five Latin American markets, generic sentiment tools misread regional Spanish and Brazilian Portuguese: sarcasm read as satisfaction, idioms lost in translation. The fix was not a bigger model but regional prompt tuning, automatic language detection before processing and themes that work across markets1.

For executives

What this means for your bank

  1. Move quality review from sampling to full coverage, and redesign quality teams around the exceptions the pipeline surfaces.
  2. Define a structured output schema with the business before choosing a model.
  3. Make PII masking a hard gate in the pipeline, with sampling by the privacy team.
  4. Tune for regional language variants in multilingual programmes.
Put it to work

How DaasLabs can help

See the four GenAI solutions we built for a Fortune 500 insurer.

Learn more

Customer, complaints and voice-of-the-customer services for insurers.

Learn more

Meet the voice-of-the-customer agent squad.

Learn more

Sources

  1. 1
  2. 2

Figures are drawn from the cited public sources. Opinions labelled “DaasLabs point of view” are our own.

Stay informed

Get new insurance insights in your inbox

New perspectives on AI, data and transformation in insurance — a few times a month. Browse all insights.