Gail

Gail is an artificial intelligence platform built exclusively for the financial services sector, covering insurance, banking, and lending. Its product combines three layers: conversational AI that handles customer interactions across voice, SMS, web chat, WhatsApp, and email; workflow automation that carries those conversations through to completed tasks such as lead qualification and quoting, document generation (certificates of insurance, loan amortization schedules, KYC summaries), and outbound debt collection campaigns; and AI assistants and analytics that answer questions about a customer's book of business, generate reports, and draft memos, renewal recommendations, and emails with citations to specific regulations, internal policies, and written procedures.

The company positions itself against general-purpose AI models, arguing that systems trained on public internet data are inadequate for a highly regulated environment where accuracy, security, and context matter. Its standalone assistant product, GailGPT, is purpose-built for regulated sectors and answers queries grounded in a customer's own data, policies, and applicable law. Gail connects to systems financial services teams already run, including telephony providers (Twilio, Bridge, RingCentral), calendar and productivity tools (Google Calendar, Calendly, Google Drive), agency management and CRM systems (Hawksoft, Agency Zoom, Salesforce), and developer interfaces such as REST APIs, webhooks, and Zapier.

Customers configure Gail through a self-service portal, setting agency details, choosing a voice, building a team directory for call transfers, writing inbound support or outbound outreach scripts, arranging call forwarding through their VoIP provider, and uploading contact lists to run outbound campaigns for renewals, payment reminders, or prospecting.

Founding story

Gail was founded in 2024 by twin brothers Michael and Matthew Vega-Sanz, who had previously dropped out of school to start their first company and then sold the insurtech startup Lula in 2024. Rather than relocating to San Francisco after that exit, they chose to build Gail in Miami, where they grew up, and stated an intention to keep the city as the company's permanent headquarters. The company spent roughly a year operating largely in stealth before emerging publicly in May 2025.

Business model

Gail sells a subscription software platform to financial services organizations. Its support materials reference subscription payments, plan upgrades, and billing management, and the website offers both a sales-led path (booking a demo) and a free self-service start.

Subscription plans purchased either directly through the website or via a sales representative, with billing and plan upgrades managed in the customer portal.

Traction

At the time of its seed announcement the platform was live with over 200 companies and handling millions of daily interactions across calls, SMS, and chat; one report described nearly 5 million phone calls a day for large banks and insurers. Published customer results include a 41% increase in quotes sent and 29% increase in policies sold for insurance users; more than 3 million debt collection calls in banking with 44.2% connections, a 29.2% effective contact rate, and a 17.5% promise-to-pay rate; and, in a PayJoy welcome campaign, 72.7% connected calls, 34% answered calls, and 13.8% right-party contacts. Wyzard Insurance reported missed calls falling from 85.7% in September to 5.6% in December.

Latest developments

The May 2025 seed round was earmarked for product development, expanded integrations, greater autonomy in the platform, and the launch of GailGPT as a standalone offering. The Coral Gables office held about 15 engineers with further hiring planned, supported by talent-pipeline partnerships with FIU and Miami Dade College.