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The Human Layer for Insurance Distribution

From acquisition spend that funds last year’s lapses,to a platform where trust compounds, claim after claim.

The future of risk and protection enterprises is defined by how effectively they coordinate distribution, servicing and policyholder engagement. UNFYD.INSUR creates continuity across your network, ensuring every relationship moves forward with context and purpose.

Because the renewal is the verdict on the last claim.

Discover Your Insur Edge Meet Your Next Digital Workforce
Built to grow and govern claims and renewal lifecycles.
IRDAI aligned DPDP / DPP ISO 27001 / SOC 2 PCI DSS Multi-channel Bharat-ready
The value moment and the purchase moment are years apart.

The single most important moment in an insurance relationship isn’t the sale. It is how effectively you engage, educate and support policyholders throughout the relationship.

Claims Friction →

Claims Friction

A claim that should settle in hours, takes 15 days. FNOL lands in one system, surveyor reports in another, underwriter approval in a third, finance disbursal in a fourth. The policyholder learns about delays from social media, not from you. Every day in TAT is a day shaved off the next renewal.

What that quietly costs you :

15+days average claim TAT
20-30%renewal lapse rate across life books
5-7distribution channels, no single record
4-6systems between FNOL and disbursal
-22%CSAT on every context repeat
Every toolits own IRDAI and DPDP footprint
Every LOBlife, health, motor on different stacks
Every quarterlicence sprawl compounds quietly

The bigger problem isn’t the TAT. It is the operating model the TAT has quietly built.

Distribution Fragmentation →

Distribution Fragmentation

Tied agent, banca RM, broker, POSP, aggregator, telesales and digital direct, each on a different commission model and a different tech stack. The policyholder pays the brand for the inconsistency. The actuary pays for it at renewal. The channel that won the quote rarely owns the claim.

Policyholder context lives in tied agent CRM, banca portal, broker dashboard, aggregator API, telesales script and digital direct app, and converges nowhere. The renewal team can’t see the claim history. The claim team can’t see the cross-sell intent. Each channel pays a different commission on the same customer.

Mis-Selling Risk →

Mis-Selling Risk

IRDAI conduct adherence is reactive, not preventive. The mis-selling complaint reaches the regulator before the audit team has read the transcript. The platform that catches it on every call, every reply, every script, is the platform that protects the licence. Compliance is a build, not a buy.

Every IRDAI question becomes a reconstruction project. Every cross-sell to a non-eligible cohort surfaces three quarters too late. Every consent withdrawal is a manual back-office task. This is the line that climbs while NPS stalls.

IRDAIconduct adherence on every call, every reply
Consentwithdrawal honoured at every touchpoint
DPDPPII masked at ingest, audit-ready

Compliance built into the platform, not bolted on at the end of the year.

AI Without Insurance Spine →

AI Without Insurance Spine

Every insurer now runs AI pilots. Claim doc intelligence. Underwriting copilot. Renewal recommendation. Conversational agents. Most stay trapped in the LOB that funded them. 65%+ of insurance service workflows are automatable today, and almost none of that uplift reaches the loss ratio.

A pilot succeeds in motor claims, never reaches health. A copilot trained on term-life has no idea how to handle a group-mediclaim conversation. A model that worked in underwriting is rebuilt for renewal. The data is yours. The intelligence keeps re-renting itself. AI without an insurance spine is widening the gap between the patched insurer and the platformed one, every quarter.

The industry has spent five years building digital infrastructure. Somewhere between the actuary’s model and the policyholder’s renewal letter, the trust still has to be earned again. This is where UNFYD.INSUR starts paying back.

What this unlocks for you, beyond the next premium war.

Policyholder Spine

20-year old policies need a rigid foundation with an intelligent operational framework.

Sustain trust by connecting engagement, servicing, distribution productivity, partner collaboration and customer journeys in one governed platform. The outcome is not merely better servicing but stronger persistency, reduced operational leakage, improved advisor effectiveness and greater confidence that every participant is operating from the same context.

Claim Experience

Claims paid. Renewals sealed.

Bills, reports and witness statements arrive exactly where they’re needed, with complete context.

Lean Ops

Expense ratio defended.

Lower servicing costs, stronger productivity metrics and healthier distribution economics simultaneously.

Underwriting-Grade AI

One model the actuary signs off. The regulator can audit.

The same governance fabric runs across your interactions and enterprise network.

Distribution Agility

Growth accelerator for partner onboarding.

Train, assess, enable and activate distributors through structured digital journeys.

Trust is sold once. Operations decide if it compounds.

Where every channel finally writes from the same policyholder memory.

Distribution networks, claim journeys, advisor workflows and renewal lifecycles only compound trust when they read from a record. The platform that holds that record across decades is the one that earns the next.

POLICYHOLDER 360

Policy state and underwriting eligibility reconciled in real time.

Consent posture tracked across regulatory regimes. Claim journey decisioning shared between contact centre, surveyor and adjudicator. Voice-of-customer captured during claim calls indexed into the profile graph.

Explore →
CLAIMS COPILOT

The claims adjudicator’s second pair of hands, live on the call.

On a bereavement call the policy clause shows up before the agent has to look for it. The coaching nudge fires when the tone needs softening. The wrap-up note writes itself.

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CONVERSATIONAL FNOL

FNOL on WhatsApp. Claim status on the app. Same conversation.

The claimant starts the report on WhatsApp, switches to the app for the photos and finishes with a human who already knows the whole story.

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GUIDED ENROLMENT

Walk the policyholder through the proposal form, in real time.

The agent sits next to the customer on the screen, fills in the proposal form together, and the audit team can replay the session if a dispute lands six months later.

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AI GOVERNANCE FABRIC

The IRDAI can audit the prompt. The actuary can audit the model.

When the regulator asks in October why the model said what it said in March, the answer is one query away, not three weeks of evidence rebuild.

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100% INTERACTION QA

100% of claims calls scored. Mis-selling caught before the complaint is filed.

Every call gets read, every word. The pattern that used to surface at the regulator as a complaint surfaces here as a coaching plan.

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AGENCY KNOWLEDGE

Every product change reaches the tied agent before the policyholder asks.

A new circular drops on Tuesday. By Wednesday morning the tied agent in the smaller town knows the exact clause that changed and which policies it touches.

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VOICE OF POLICYHOLDER

Mis-selling complaints surface in the call, not at the IRDAI.

Every conversation gets read. The complaint pattern that would have reached the regulator gets caught at the supervisor level a quarter earlier.

Explore →

INSUR, in your team’s pocket.

Premium retention that compounds with every paid claim. Advisor networks running at the productivity the actuary built into the plan. CX that turns every service moment into a renewal moment. 3 independent P&L levers, moving simultaneously, on the same governed operating record.

That’s More Convenient. Have You Met Your Wizards, Yet?

Your trust dividend.

Growth

The premium book grows because the renewal letter doesn’t ask twice.

Year-five customers buy the next rider from the agent who sold them the first. Acquisition spend stops paying for last year’s lapses. Cross-LOB attach turns into a habit, not a quarterly push.

3× faster GTM+25% renewal rate
Cost & Cash

Loss ratio defended. Expense ratio compressed. Combined ratio finally moves.

Claim leakage falls. The cost-to-serve drops because the third call retires into self-service. Audit prep stops being a Friday-night project. The combined ratio finally moves.

-45% claim TATSingular TCO
Architecture

Twenty-year products on twenty-year-friendly architecture.

SaaS, private cloud or hybrid. The investments already made in policy admin, claims engines and the data lake stay. Life, health, motor, marine and group books sit on the same fabric, ready to outlive the next platform cycle.

Multi-LOBIRDAI-alignedDeploy-anywhere
Operations

The underwriter and the renewal exec finally write from the same record.

The exception that was approved last quarter is the precedent the next quote reads from. The claim doesn’t restart at the back-office. The renewal exec walks in with the life-event signal already on screen.

1 cockpit100% QA coverage
AI Strategy

The actuary’s table starts caring about the AI roadmap.

The same governance fabric carries fraud detection on the first notice, conduct deviance on the next call and renewal propensity from a life-event signal. One conversation with the regulator covers all three.

Guarded GenAIAgentic, governed
Risk

The complaint that would have reached the regulator, surfaces internally first.

Conduct adherence scored across every call, script and reply. Fraud signals caught at first notice. Consent withdrawal honoured everywhere. PII masked at ingest. The reconstruction project a regulator query usually triggers, retires.

One audit fabricConsent-led
Intelligence Tailored To Your Use-Cases