Insurance Quote Intake with AI Lead Scoring

Who it's for

Independent insurance agencies, MGAs, and brokerages that need faster quote response times. Built for commercial and personal lines teams who want AI-assisted intake without a full AMS integration.

What it does

This workflow receives quote requests via webhook, normalizes data from Typeform, JotForm, Tally, or custom forms, checks your quote log for duplicates, uses OpenAI to score the lead and flag underwriting risks, routes hot/warm leads to Microsoft Teams and/or Slack, sends Twilio SMS for hot leads, and logs every quote with AI analysis to Airtable and/or Google Sheets.

Defaults (same as Gumroad listing)

• NOTIFY_CHANNELS = teams (options: teams | slack | both)
• QUOTE_LOG = airtable (options: airtable | sheets | both)
• Hot-lead score threshold: 75
• Duplicate window: 24 hours

Hot leads (score ≥ 75 by default) trigger chat alerts plus SMS. Warm leads get chat alerts only. Cold leads are logged without notification noise.

How it works

1. When Quote Form Submitted receives a POST webhook from your quote form
2. Setup Quote Configuration sets quote log destination, notify channels, IDs, and thresholds
3. Normalize Quote Request maps form fields into a standard schema
4. Airtable and/or Sheets lookup loads recent quotes for duplicate detection
5. Verify Duplicate Quote skips resubmissions within your duplicate window
6. OpenAI Quote Pre-Qualifier scores the lead and flags underwriting issues
7. Route by Lead Priority branches hot / warm / cold
8. Prepare Channel Alerts posts to Teams and/or Slack based on NOTIFY_CHANNELS
9. Twilio SMS texts the on-call agent for hot leads
10. Airtable and/or Sheets write logs the quote based on QUOTE_LOG

Setup steps

1. Import the workflow JSON into n8n
2. Choose log destination: Airtable, Google Sheets, or both (QUOTE_LOG)
3. Create the Airtable Quotes table and/or Google Sheet Quotes tab using the sample field files
4. Choose chat destination: Teams, Slack, or both (NOTIFY_CHANNELS)
5. Create Teams webhook and/or Slack channel as needed
6. Edit Setup Quote Configuration with your IDs, channels, and Twilio numbers
7. Connect credentials only for the destinations you enabled (OpenAI, Airtable, Google Sheets, Slack, Twilio)
8. Copy the production webhook URL into your form tool
9. POST a test quote, verify chat/SMS/log, then activate

Requirements (optional form fields — add one line each)

n8n Cloud or self-hosted n8n instance OpenAI API key configured in n8n Airtable Personal Access Token and/or Google Sheets OAuth2 (based on QUOTE_LOG) Microsoft Teams incoming webhook and/or Slack OAuth2 (based on NOTIFY_CHANNELS) Twilio account with an SMS-enabled phone number A quote form (Typeform, JotForm, Tally, or custom) that can POST to a webhook

Customization (optional form fields — add one line each)

Set QUOTE_LOG to airtable, sheets, or both Set NOTIFY_CHANNELS to teams, slack, or both Edit field mapping aliases in Normalize Quote Data Change HOT_LEAD_SCORE_THRESHOLD and DUPLICATE_WINDOW_HOURS in Configure Quote Settings Tune the AI prompt in AI Quote Pre-Qualification Adjust routing rules in Analyze AI Quote Response

Additional info (optional — paste as one block)

This template targets insurance agencies that lose leads to slow follow-up. Buyers choose their stack without buying multiple templates: Teams and/or Slack for alerts, Airtable and/or Google Sheets for logging. Defaults match the Gumroad product listing (Teams + Airtable) so docs stay consistent across both portals.

Ideas to extend

• Add a daily digest of uncontacted hot leads
• Sync hot leads to AgencyZoom or HawkSoft via HTTP Request
• Add a renewal-reminder workflow from the same Quotes log
• Route commercial vs personal lines to different chat channels