Insurance
Insurance CRM for agents, POSPs and brokers
Hold every policy, family and renewal date in one register and let the renewal engine do the reminding. Fewer lapses, cleaner quotes and a clear view of commission.
Your pipeline, ready on day one
These stages come with the template. Rename, add or remove any of them.
- Stage 1LeadA new enquiry for motor, health, term or general insurance enters the queue.
- Stage 2QuotePremium quotes are prepared from the insurers you work with and shared with the customer.
- Stage 3ProposalThe proposal form and KYC are completed once the customer picks a plan.
- Stage 4PaymentThe premium is paid by link or cheque and the payment is confirmed.
- Stage 5Policy issuedThe policy number and document are recorded and sent to the customer.
- Stage 6Renewal dueThe renewal engine starts reminders ahead of the expiry date.
- Stage 7Renewed/LapsedThe policy is renewed with the same or a new insurer, or marked lapsed with a reason.
What is a insurance CRM?
An insurance CRM is where an agent, POSP or broker keeps every customer, policy and renewal date so nothing lapses by accident. In Gandiv each policy sits on a register with insurer, policy number, sum insured, premium, expiry and no-claim bonus, and customers from one family are grouped so one call covers all their cover. The renewal engine starts reminders sixty days before expiry and repeats at 30, 15 and 7 days. Callers follow a quote and proposal flow, claims are tracked to closure, and commission is calculated per policy.
Why insurance teams need one
Problem
Renewal dates live in a diary and a few get missed.
With Gandiv
The renewal engine reminds the customer and the caller at T-60, 30, 15 and 7, and lists everything expiring this month.
Problem
Customers get a quote from you and one from a rival.
With Gandiv
A side-by-side quote comparison across insurers helps you win on cover and not only on price.
Problem
One family has five policies under five records.
With Gandiv
Family grouping links spouse, parents and children so you service and cross-sell as a household.
Problem
Claims calls arrive and nobody knows the status.
With Gandiv
A claims tracker keeps the claim number, documents and stage so you can answer in one look.
Problem
Commission is worked out in a spreadsheet each month.
With Gandiv
Each policy carries its commission rule, and POSP and agent shares are calculated automatically.
Problem
Customers feel you only call to sell.
With Gandiv
Birthday and anniversary messages keep the relationship warm between renewals.
Key features
Register
A policy register you can search in seconds
Store each policy with insurer, plan, policy number, sum insured, premium, start and end date and attached document. Search by name, number or vehicle registration and see everything the customer holds with you.
- Insurer, plan and policy number
- Expiry date and premium
- Documents attached to the policy
Insurer, plan and policy number
Expiry date and premium
Documents attached to the policy
Renewals
Renewal engine at T-60, 30, 15 and 7
Reminders start sixty days before expiry and repeat at thirty, fifteen and seven days by WhatsApp, SMS and a call task. A renewal list by month shows what is due, who is working it and what has already been renewed.
- Four-step reminder cadence
- Call task for the assigned agent
- Monthly renewal list with status
Four-step reminder cadence
Call task for the assigned agent
Monthly renewal list with status
Quotes
Compare quotes across insurers
Record premium and cover from each insurer for the same customer and see them side by side with add-ons, deductibles and sum insured. Share the comparison on WhatsApp so the customer decides with the facts in front of them.
- Premium, cover and add-ons per insurer
- Comparison shared as one message
- Chosen plan moves to proposal
Premium, cover and add-ons per insurer
Comparison shared as one message
Chosen plan moves to proposal
Families
Group a family and service them together
Link spouse, parents, children and their vehicles under a single family. One call can cover health renewal for the parents and motor renewal for the son, and cross-sell gaps such as term or personal accident become obvious.
- Family tree on the customer
- All policies in one view
- Gap list for cross-selling
Family tree on the customer
All policies in one view
Gap list for cross-selling
Claims
Track claims from intimation to settlement
Log the claim number, insurer, documents sent and current stage, with reminders to follow up. Customers who are anxious about a claim get a prompt update, and your team stops answering the same question three times a day.
- Stage and document checklist
- Follow-up reminder per claim
- Status message to customer
Stage and document checklist
Follow-up reminder per claim
Status message to customer
Commission
POSP and agent commission per policy
Define commission rates by insurer and product, and for POSPs who sell under your code. Each issued policy generates a commission line, and statements by agent or month are ready without a spreadsheet.
- Rate card by insurer and product
- POSP share calculated per policy
- Monthly statement by agent
Rate card by insurer and product
POSP share calculated per policy
Monthly statement by agent
What is inside the template
Everything below is created in your workspace when you pick this template.
| Fields | Date of birth · Sum insured · Premium · Insurer · Policy number · Renewal date · No-claim bonus · Vehicle registration · Family group |
|---|---|
| Automations | Renewal T-60 WhatsApp · Renewal T-30 call task · Renewal T-15 WhatsApp and SMS · Renewal T-7 final reminder · Birthday greeting on WhatsApp |
| Reports | Renewals due this month · Lapsed policies and reasons · Premium collected by insurer · Policies sold by agent · Commission earned vs received |
| Message templates | Quote comparison · Premium payment link · Policy issued with document · Renewal reminder · Claim status update |
| Call script | Confirm the cover type and who is to be insured. Ask age, existing policies and sum insured needed, explain two or three suitable plans, and note any pre-existing condition or vehicle details needed for the quote. |
Fields
Date of birth · Sum insured · Premium · Insurer · Policy number · Renewal date · No-claim bonus · Vehicle registration · Family group
Automations
Renewal T-60 WhatsApp · Renewal T-30 call task · Renewal T-15 WhatsApp and SMS · Renewal T-7 final reminder · Birthday greeting on WhatsApp
Reports
Renewals due this month · Lapsed policies and reasons · Premium collected by insurer · Policies sold by agent · Commission earned vs received
Message templates
Quote comparison · Premium payment link · Policy issued with document · Renewal reminder · Claim status update
Call script
Confirm the cover type and who is to be insured. Ask age, existing policies and sum insured needed, explain two or three suitable plans, and note any pre-existing condition or vehicle details needed for the quote.
By role
Agency owner or branch head
- Renewals due and lapsed by month
- Premium and commission by insurer
- Team policy count against target
Telecaller or POSP
- Renewal call list for today
- Quote comparison on the call
- Family view for cross-sell
Operations and claims desk
- Policy issuance and documents
- Claims tracker with follow-ups
- Commission statements
Integrations for this industry
Related industries
Frequently asked questions
Can I import my existing policies?
Yes. Upload a sheet with customer, insurer, policy number, premium and expiry, and the register and renewal reminders are created from it.
How does the renewal engine pick dates?
It counts back from each policy expiry date and schedules reminders at 60, 30, 15 and 7 days. You can change the days and channels per product.
Does Gandiv issue policies or sell on behalf of insurers?
No. You hold the licence or POSP code, and the insurer issues the policy. Gandiv records and reminds; it does not underwrite, quote officially or replace insurer systems.
Are there rules on what I can send customers?
Insurance communication is regulated by IRDAI. Use only approved plan descriptions, avoid guaranteeing returns and keep customer consent on record. Your compliance officer should review the message templates.
Can POSPs see each other's customers?
No. Each POSP sees only their own customers and policies, while the owner sees the whole book.
Start with the insurance template
Your pipeline, fields and messages are created for you. Change anything later.