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.
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.
