Client Overview

A multi-line insurance distributor offering Life, Health, and General Insurance products across retail and SME segments.

The client operates through a large network of relationship managers (RMs), brokers, and agents who manually gather customer information, fill lengthy insurer-compliant forms, and match customer needs to the right policies. With diverse product lines and strict documentation processes, the client struggled with slow onboarding, inconsistent recommendations, and high customer drop-offs.

The Challenge

The insurance onboarding workflow was highly manual, fragmented, and dependent on individual RM expertise. Key challenges included:

• Customer data collection was manual and time-consuming, often spread across emails, WhatsApp messages, shared documents, and phone calls.
• Multiple policy forms across Life, Health, and General insurance required extensive data entry, causing delays and errors.
• Customers frequently dropped off due to repetitive questions and long form-filling sessions.
• Policy recommendations varied by RM experience, resulting in inconsistent advice and missed upsell/cross-sell opportunities.

These inefficiencies led to slower proposal turnaround times, lower conversion rates, and increased administrative overhead for the distribution network.

Our AI Solution

To streamline onboarding and improve policy recommendations, we deployed an AI-driven Copilot that automates data capture, form filling, and product matching — enabling RMs to focus on customer engagement rather than administrative tasks.

1. Multi-Channel Data Capture

AI automatically extracts customer information from:

• Document uploads: PDFs, payslips, KYC documents, medical reports, health checkups
• Voice conversations (RM-customer calls)
• Chat interactions (web, WhatsApp, or mobile app)

2. Auto-Filling of Insurer & IRDAI-Compliant Forms

The Copilot populates all required fields across Life, Health, and General insurance proposal forms, ensuring:

• Accuracy
• Completeness
• Compliance
• Reduced back-and-forth with customers

3. Policy Recommendation Engine

AI matches customer needs, lifestyle profiles, risk appetite, dependents, financial goals, and medical history to generate:

• Recommended policies
• Premium comparisons
• Coverage adequacy insights
• Riders/add-ons suggestions
• Cross-sell opportunities

4. RM Workflow Automation

The RM simply reviews the generated form, validates the recommended policies, and closes the sale — shifting focus from form-filling to advisory and relationship building.

Impact & Key Results

• Proposal Preparation Time Reduced by 70-80%

End-to-end proposal creation became significantly faster due to automated data capture and form filling.

• Higher Policy Conversion Rates

Faster onboarding and relevant recommendations increased customer confidence and purchase intent.

• Drastic Reduction in Errors & Rework

AI-driven extraction and validation ensured cleaner forms and fewer insurer rejections.

• RMs Focus on Selling, Not Typing

Time spent on administrative tasks dropped sharply, improving productivity and customer experience.

Call to Action

Reimagine insurance onboarding with AI-powered form filling and policy intelligence — Connect with us to see how.