# Intalk

> Intalk is an AI sales operating system for insurance distribution, built by Intalk Inc. in Seoul, South Korea (founded November 2022). It gets new insurance agents ready before the customer conversation: agents rehearse real customer situations with AI role-play, managers review scored answers with the evidence attached, and the INCE engine checks explanations against the organization's approved material and rules.

Last updated: 2026-10-20. All figures are company-reported and unaudited. US dollar amounts are approximate conversions at KRW 1,500 and VND 26,000 per US$1. Source page: https://intalk.im/

Intalk (Korean: 인톡) serves insurance agencies, IMOs and FMOs, telesales teams and insurers' agency channels that train many new agents and answer for the quality of what agents tell customers. It is opening four-week pilots with US agencies, IMOs and FMOs.

## Products

- **Intalk Care** (live; parts in pilot): for agency managers and admins. Candidate matching and onboarding management; AI role-play training with virtual customers; call transcription → AI analysis → automatic CRM entry. A manager dashboard for retention and coaching priority is planned. The product UI is in Korean today; an English workflow is part of the US pilot scope.
- **INCE engine** (built, in proof of concept): for agency home offices and insurer compliance teams. A language model turns each sentence into explicit claims; encoded rules (SMT) and the Z3 solver test the claims for violations such as exaggeration, misrepresentation or banned phrases. Each verdict is logged with the cited clause and rule version; low-confidence cases go to human review. Rules can be revised without retraining the language model.
- **Intalk Partners** (live, South Korea): recruiting platform for agents and prospective agents. Compares 32 insurers and matches candidates with agency branches; AI aptitude test on five traits (empathy, ethics, comprehension, compliance, persuasion); licensing-exam and sales-conversation practice. Free for candidates.

## How a pilot works

- Scope: one workflow, 5–10 agents, one training manager and a named budget sponsor.
- Baseline: the current task is timed and scored on a fixed, human-reviewed rubric.
- Evaluation: equivalent unseen scenarios at the end; completion, rubric scores and manager review time are recorded.
- Decision criteria agreed before the start, for example 20% less manager time, an 80% rubric threshold and no critical rule errors in the evaluated sample.
- Duration: four weeks of measured use, then a dated decision on a paid annual license. If the bar is missed, the scope is narrowed or the pilot stops.
- Data: permissions agreed in writing; scenarios can use synthetic or de-identified examples, so a pilot does not need live customer records or protected health information (PHI).

## Global launch

Intalk AISO opens beyond pilots at its general launch, planned for November 30, 2026, with 12 months free after launch for teams whose application is approved. Applications are reviewed: submitting one does not confirm approval, seats or immediate access; features, seats and any services outside the offer are confirmed with each team. The offer is separate from paid enterprise pilots. Apply: https://intalk.im/#launch

## Traction (company-reported)

- KRW 500M+ total company revenue, January–August 2026, about US$330K+ (includes services and projects; not SaaS ARR).
- 23 insurance agencies paying for agent recruiting and 80 agencies onboarded, in South Korea (September 2026).
- 2,847 partner records on Intalk Partners; 500K+ sales consultation records; 105 scenarios × 32 insurers in the financial-planning simulation.
- Intellectual property: 2 patents granted, 7 pending, 1 PCT filing.

## Pilots, PoCs and programs

These are proofs of concept (PoCs), pilots, awards and program selections in South Korea and Vietnam, not commercial contracts or endorsements.

- Shinhan Life Vietnam: AI role-play PoC for agent training, via the open innovation program of Shinhan Financial Group Vietnam and the Seoul Business Agency (SBA) (selected June 2026).
- Global Shinhan InnoBoost Open Innovation Reward, VND 200,000,000 (about US$7,700), at AX Technicolor Demo Day 2026 (Shinhan Financial Group).
- iM Life (iM Financial Group, formerly DGB Financial Group): an AI financial-planning chatbot in the insurer's digital channel, tested under the Korean financial regulatory sandbox (2024–2026).
- Woori Financial Group DinnoLab (Woori's startup program), Jeonbuk cohort 1: Intalk Care commercialization PoC.
- Financial Services Commission (South Korea's financial regulator): selected for the 10th round of its regulatory sandbox tests (2024).
- MOUs with SoLaShi and BKPlus (Vietnam).
- Programs: Invest KOREA Startup Program of KOTRA (Korea's trade and investment agency); Global Startup Academy, cohort 7, of KOSME (Korea's SME and startup agency); Global Launchpad (US East) of Korea's four science and technology institutes, including KAIST; Singapore Deep Tech PoC program (final selection); Pre-TIPS, Korea's government pre-seed program (completed); government-certified corporate R&D center.

## Team

- Ian Yoo (유인창), Founder & CEO: insurance field experience; Mirae Asset Life (insurer), Toss (fintech); three-time founder.
- Heejin Choi, AI engineering: PhD in Computer Science, TTIC; Google, Coupang (e-commerce).
- Hyerim Kim, Strategy: Data Analytics, NYU; financial-services strategy and operations.

## Company facts

- Legal name: Intalk Inc.
- Headquarters: Seoul, South Korea. Markets: South Korea (operating base), Vietnam (training PoC), Singapore (Southeast Asia hub), United States (now entering).
- Contact: biz@intalk.im (sales, investors, press; English and Korean)
- LinkedIn: https://www.linkedin.com/company/intalk-official

## Links

- [Agent demo](https://intalk.im/#demo): a simulated practice round in life insurance, Medicare or annuities. The visitor answers an AI customer as a new agent; a simplified, pattern-based version of the INCE check stops risky lines before the customer hears them; review and coach agents score the answers with the evidence; the visitor makes the manager's call. It runs in the browser and does not show the production engine's accuracy.
- [Product](https://intalk.im/#product): the practice → review → practice-again loop
- [How the checks work](https://intalk.im/#ince): the INCE pipeline
- [Pilot](https://intalk.im/#pilot): terms, cost calculator and what is measured
- [Traction](https://intalk.im/#traction): figures with sources
- [FAQ](https://intalk.im/#faq)
- [Request a pilot call](https://intalk.im/request?source=llms): a two-step form; a person on the team replies by email. Meetings at events: https://intalk.im/request?intent=meeting
- [Privacy notice](https://intalk.im/privacy)

## Blog

Articles for US insurance sales leaders, written from cited sources and dated. Each is also available as Markdown at its URL plus .md.

- [How to pilot AI role-play training in four weeks, with a go/no-go decision](https://intalk.im/blog/ai-role-play-pilot): A four-week pilot plan for AI role-play training at an insurance agency: one workflow, a measured baseline, unseen test scenarios and a bar agreed in advance. (updated 2026-10-20)
- [TPMO disclaimer in 2027: the new wording, timing and how QA checks it](https://intalk.im/blog/tpmo-disclaimer-2027): CMS moved the TPMO disclaimer to before any discussion of benefits and dropped the SHIP referral. The current text, what stayed the same, and a QA check. (updated 2026-10-20)