# How to Reach Us — and What Lucy, Our AI Receptionist, Can Do
When you need insurance help, you should not have to dig through a phone tree or wait on hold for an hour. At BNW Services LLC — doing business as InsureToday24 — we keep it simple. You can call, text, or use the website, and you will always be working with a real, licensed independent agency that serves Missouri, Kansas, and parts of Nebraska.
This guide explains every way to reach us, what our AI receptionist Lucy can handle, and when your request moves to a licensed human.
The Fastest Way: Call or Text Lucy
Our main line is (573) 594-5148. When you call or text that number, you are greeted by Lucy, our AI receptionist. Lucy answers around the clock, so you are never stuck waiting until "business hours" to start the conversation.
Lucy is friendly, fast, and built to get you moving — but she is not a licensed agent, and she does not bind coverage or give advice on what policy is right for you. Think of her as the front desk: she takes good notes, points you in the right direction, and makes sure a licensed person follows up.
What Lucy Can Do
Lucy is genuinely useful for the everyday tasks that usually eat up your time. She can:
- Take your quote request. Tell Lucy what you need — auto, home, renters, life, a business policy — and she collects the basic details so an agent can start shopping carriers for you.
- Answer common questions. Lucy can explain general insurance terms, walk through how our quoting process works, and tell you what documents you will need.
- Route you to the right place. Need to start a claim, request a certificate of insurance, or change a policy? Lucy gathers the essentials and hands it off so nothing falls through the cracks.
- Take a message. If you would rather talk to a person, Lucy logs your name, number, and reason for calling, and we follow up.
- Point you to online tools. For certain products, our website has embedded quote-and-buy apps Lucy can direct you to (more on that below).
Because Lucy works 24/7, you can leave a request at 11 p.m. on a Sunday and have it waiting for an agent first thing.
What Lucy Does *Not* Do
We want to be straight with you. Lucy does not:
- Give licensed advice or recommend a specific policy for your situation.
- Bind, issue, or cancel coverage.
- Make underwriting decisions or quote final prices on her own.
Those steps require a licensed human. When you are ready to actually buy, change, or claim, a licensed agent reviews everything. Lucy simply makes that handoff smooth.
Reach Us on the Website
Visit insuretoday24.com any time. From the site you can:
- Request a quote through the help/quote button — this feeds the same system Lucy uses, so your request lands with an agent either way.
- Use embedded quote apps for select products. Renters insurance can be quoted and purchased directly through our ePremium app, and life insurance and annuities through our BackNine app. These let you self-serve at your own pace, with our agency standing behind the policy.
- Pay securely. Payments made on the site go through Square checkout, so your card details are handled by an established, secure processor.
If you start something online and get stuck, just call (573) 594-5148 and Lucy will pick up where you left off.
When You Want a Real Person
Some things are better handled human-to-human — a tricky claim, a coverage gap you are worried about, or a business policy with a lot of moving parts. You can ask Lucy to connect you, leave a message, or note in your website request that you would prefer a callback. A licensed agent will reach out.
Because we are an independent agency, that agent is not tied to one company. We shop the carriers we represent — dozens of them — to match your needs and budget. That is the whole point of working with an independent shop instead of a single-brand call center.
A Note on Privacy and Trust
We are a licensed independent insurance agency in Missouri and Kansas. When you share information with Lucy or through our site, we treat it as confidential and use it only to serve your insurance needs, consistent with federal privacy rules for financial institutions (the FTC's Gramm-Leach-Bliley framework) and applicable state law. You can verify our licensing through the Missouri Department of Commerce & Insurance or the Kansas Insurance Department.
The Bottom Line
Reaching us should be the easy part of insurance. Call or text (573) 594-5148, visit insuretoday24.com, or use our embedded quote apps — whichever fits your day. Lucy handles the front-desk work fast and around the clock, and a licensed human handles the decisions that matter. Either way, you are dealing with a real local agency that answers when you need it.
References
- Missouri Department of Commerce & Insurance — https://insurance.mo.gov
- Kansas Insurance Department — https://insurance.kansas.gov
- National Association of Insurance Commissioners — https://www.naic.org
- Insurance Information Institute — https://www.iii.org
- Federal Trade Commission (Gramm-Leach-Bliley privacy) — https://www.ftc.gov
Related
- Why Use an Independent Insurance Agent
- Is BNW Services Licensed? How to Verify Your Agent
- How to Start a Claim with BNW Services
- How to Get a Certificate of Insurance
- How Insurance Quoting Works in Missouri and Kansas
Watch
- How AI receptionists handle calls for small businesses — search: "AI receptionist for small business how it works"
- What an independent insurance agent does for you — search: "what does an independent insurance agent do explained"