Insurance

Proposer KYC, Done Once and Done Right

Policy issuance, proposer KYC, nominee verification, and video-based suitability — with maker-checker layered on top to meet IRDAI audit expectations. One configurable journey for both life and general insurance.

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Insurance KYC

Industry Challenges

Where Policy Onboarding Hits Friction

Suitability Conversations

Distance-marketed insurance often needs a recorded suitability conversation. Capturing it, retaining it, and surfacing it for audit is non-trivial.

Nominee & Beneficiary Capture

Nominees and beneficiaries are often not the proposer — they may need their own identity capture and consent, especially for high-ticket policies.

Agent vs Self-Serve Channels

The same policy needs to be issuable both through an agent at the customer's home and through a self-serve mobile app — with consistent audit evidence.

Premium Payment Proof

Linking the right premium payment to the right proposer at the right time — against the right policy — is a constant ops reconciliation pain.

Mis-Selling Risk

IRDAI scrutiny on mis-selling is intense. Audit-ready evidence that the customer understood the product matters as much as basic KYC.

Renewals & Policy Servicing

Re-KYC at renewal, address changes, nominee updates — the platform that does the initial onboarding usually does not handle the lifecycle.

How IDBroker Helps

A Single Platform for the Full Policy Lifecycle

Video Suitability Recordings

V-CIP module doubles as the suitability conversation channel — recorded, time-stamped, and tagged with the policy and proposer for audit retrieval.

Multi-Party KYC

Capture proposer, life assured (if different), and nominees as parallel tracks in the same journey — with consents and identity evidence per person.

Agent & Self-Serve Parity

The same journey runs across agent-led, app-led, and call-centre-led channels. Audit evidence is uniform regardless of how the policy was sold.

eSign & eStamping Built In

Policy documents, suitability declarations, and nominee mandates can be eSigned and eStamped in-flow — not handed off to a separate vendor.

Maker-Checker for Underwriting

Send underwriter-flagged proposals through maker-checker without leaving the platform. The full evidence pack travels with the case.

Lifecycle-Aware

Re-KYC at renewal, address change, and nominee update flows reuse the same identity store — making policy servicing as smooth as policy issuance.

From KYC to National ID — One Platform.

Compose API-driven KYC journeys, or stand up sovereign identity infrastructure. Talk to us about the path that fits your programme.