AI workflow layer for Hong Kong insurance brokers

The HK broker reality

Carriers got AI. Brokers got nothing.

AIA, AXA, HSBC Life, FWD, Prudential, YF Life, China Taiping all signed AI staff-development pledges in 2025^[2]. The 750 mid-market broker firms running 5 to 15 producers each got the same fax machines they had a decade ago.

Market scale

803 IA-licensed firms

Top 50 hold roughly 5,000 reps between them. The other 750 firms run 5 to 15 producers each, the entire mid-market.

The tooling gap

No HK broker tool exists

PortfoPlus targets agents. CoverGo targets carriers. InsurGrid has no Cantonese or HK localisation. Bridge Insure is US-priced. The 5 to 50 producer broker is unserved.

What runs the firm

WhatsApp, Excel, half a CRM

Renewals via copy-paste. Cross-sell via memory. CSR queues via WhatsApp. No budget for a six-figure CoverGo deal, and US tools don't speak the workflow.

Pocket CEO Limited · HK BR 78290657 · Sheung Wan, Tower 1 Tern Centre · PCPD AI Framework + IA GL3 aware

Pocket CEO is not a licensed insurance intermediary under the Insurance Ordinance (Cap. 41) and does not provide insurance advice. We provide software and automation services to licensed insurance brokers, agents, and small businesses. AI outputs are reviewed and approved by your broker of record before any client communication.

What we ship

Three deliverables. One bundle.

A HK broker firm with 12 producers and 600 active SME policies sees these three workflows compound. Renewal time drops, cross-sell volume rises, CSR queues shrink.

01 · Renewal brief

Bilingual renewal brief

Drop in last year's policy plus new carrier quotes. Out comes an EN broker brief and a 繁中 client one-pager. Coverage gaps highlighted, cross-sell triggers flagged.

4 hours of CSR time → 15 minutes of broker review

02 · Cross-sell triggers

Cross-sell trigger detection

Nightly scan of your CRM. Renewals 60 days out, mapped against the trigger product matrix: VHIS top-up, CI rider, MPF renewal, employee D&O. Flagged in your CRM and on WhatsApp.

600-policy book → 15 to 25 cross-sell triggers per month

03 · CSR copilot

WhatsApp + email + call copilot

Tigerpaw policy gates route inbound to Auto, Confirm, or Manual mode. Easy queries auto-reply. Ambiguous get an AI draft your CSR approves with a tap. Calls get summarised against the customer record.

80 inbound messages a day → 56 after Auto mode

Why us, not them

HK-built, HK-staying.

US broker tools either don't speak Cantonese, don't fit HK regulation, or get acquired by US carriers and go captive. Mulligan AI, the trucking-broker copilot, was acquired by Prestige Trucking Insurance in April 2026 and pulled from third-party use. We're HK-resident and not on that path.

01

HK-resident

HK BR 78290657. Sheung Wan office. PCPD AI Model Framework and IA GL3 AML/CFT aligned. Audit trails baked in.

02

No AMS lock-in

HubSpot, Pepper Cloud, Salesforce, Excel, Google Sheets, custom internal tools. We integrate with what you already run.

03

Bilingual delivery

EN broker briefs, 繁中 client one-pagers. Cantonese-speaker reviewed. Not auto-translated.

04

No carrier-acquisition risk

Mulligan AI got acquired by a US trucking carrier and went captive. We're HK-resident, broker-aligned, not on that path.

How the build runs

Six weeks. Discovery to handover.

First MVP deployment. By Week 6 you're on the monthly retainer. Subsequent firms ship faster as our template library grows.

Week 1 · Discovery

Map the workflow end to end

Broker, CSR, customer journey. Pull 20 sample policies and 20 historical renewal briefs you've sent before. Read-only CRM access. Document your trigger product matrix.

1 week · on-site or remote

Week 2 · Renewal brief

Bilingual brief generator live

Claude prompt plus EN and 繁中 templates. Run on the 20 historical samples, manual review with you, tune. Ship the upload-PDF-get-brief endpoint.

1 week · on your data

Weeks 3 to 4 · CRM and copilot

Triggers wired, WhatsApp live

Cross-sell rules for your top 5 products. Daily report to you for two weeks before flagging customers. WhatsApp Business + Twilio + Tigerpaw policy gates. Confirm mode on everything to start.

2 weeks · low-risk onboarding

Weeks 5 to 6 · Auto and handover

Auto-mode unlocked, you own it

Identify the 30% of queries safe to auto-reply, switch to Auto mode in Tigerpaw. Train your CSR team on the Confirm interface. Runbook plus admin guide. Move to monthly retainer.

2 weeks · runbook delivered

Book the discovery call →

Pricing

Build it once. Then run it monthly.

First deployment is real engineering. Each subsequent broker firm gets the work compounded into our template library, which is why we hold the setup fee while we build that library.

Setup, one-off

HK$25-35k

Six weeks. Discovery, bilingual renewal-brief generator, cross-sell triggers wired into your CRM, WhatsApp + email copilot live in Confirm mode, runbook plus admin guide handed over.

Growth retainer

HK$9,888/mo

Ongoing. Monitoring, new trigger products as your book grows, prompt tuning, WhatsApp policy adjustments, monthly review cadence with you. Cancel anytime, you keep the runbook and the data.

Pricing fixed in the discovery call once we've seen your CRM, your renewal volume, and your trigger product matrix. No six-figure proposal blind.

Who you work with

Founder-led. Sheung Wan office, Hong Kong number.

The person on the discovery call is the person who maps your renewal workflow and signs off on the final runbook. No handoff to a junior team after kickoff.

Founder · HK Lead, AI Engineer

Varun Razdan

15+ years driving digital transformation across APAC. AI engineer and Make.com advanced practitioner. Built Tigerpaw, our open-source AI gateway with policy-gated risk controls. GHL certified admin. Sheung Wan based, IA-network active.

GHL Certified Admin Make Advanced Practitioner Tigerpaw author

Co-founder · Engineering, n8n expert

Luka Knieling

Engineering, integrations, and the 2 a.m. fix when a webhook goes sideways. n8n expert across complex multi-system workflows. Bilingual: German and English. Munich based, weekly HK calls.

n8n Expert Backend & Integrations Multi-system integrations

Questions

What HK brokers ask before they book.

No. Pocket CEO is not licensed under the Insurance Ordinance (Cap. 41) and does not provide insurance advice. We are a software and automation provider. Every AI output is reviewed and approved by your broker of record before any client communication. Audit trails are kept for every flagged action.
HubSpot via Custom Objects and Workflow Actions. Pepper Cloud via REST API. Salesforce via Apex trigger and REST. Excel and Google Sheets via the Sheets API. Custom internal tools via webhook adapter, roughly 3 hours of work per new integration. We don't sell our own AMS, you keep yours.
Customer data stays in your CRM. We process via Claude API (data not used for training, EU or US region selectable) and our own n8n instance hosted in Hong Kong. PCPD AI Model Framework alignment: documented purpose, audit logs on every AI output, broker-of-record sign-off gate. We do not retain customer PII beyond the active processing window.
Cantonese-speaker reviewed before deployment. We don't ship auto-translated outputs to clients without a native review pass. For your firm specifically, we calibrate on 20 historical bilingual briefs you've already sent so the voice matches what your customers expect from you.
It keeps running. You own the n8n workflows, the prompt templates, the trigger rules, the WhatsApp configuration. We hand over the runbook and the admin guide. You can run it yourself or hire someone else to maintain it. That's the whole point of "you own it, we run it."
Best fit: 5 to 50 producers, roughly 300 to 2,000 active policies, mix of group medical and SME commercial. Below 5 producers the math is harder, you'd save more time but the setup fee dominates. Above 50 producers you start needing custom workflow per producer team, which we can do but it's a different scope.
No. We deliberately scope AI out of binding, quoting, and any client-facing commitment. The AI prepares, summarises, and routes. The broker of record signs off on every output before it reaches a client. This is both a regulatory requirement under IA GL3 and a deliberate design choice on our side.

An AI workflow layer built for Hong Kong brokers.