One record for every family with all its policies across insurers, a renewal list that starts working sixty days before the due date, leads that always have a next call, and a daily plan vs actual for every advisor in your team. Built for individual agents, POSPs, agency managers, corporate agents and brokers across India, with the insurer’s and regulator’s rules on advertising and calling in mind.
Reply within one business day · Navi Mumbai team · Website, app and admin under one roof
Clients, policies, leads, renewals and the team’s daily numbers kept in one place, so the business does not live in one person’s diary.
The web panel for the agency owner, branch manager, back office and broker operations team.
A phone app for agents, sub-agents and POSPs in the field, in English, Hindi or Marathi.
A plain, trustworthy website that brings enquiries and shows who you are, built to carry only content your insurers have approved.
Insurance in India is still sold through people. A family in Dombivli buys a term plan because the agent sat with them on a Sunday and explained it, and renews the health policy every year because the same agent reminded them. For an individual agent or POSP, the business is the client book: who holds which policy, with which insurer, renewing on which date, and who in the family still has no cover. For an agency or broker, it is that book multiplied by twenty or two hundred advisors.
Most of that book lives in places that do not talk to each other. Each insurer has its own agent portal. Motor renewal dates sit in a diary, health renewals in the phone’s calendar, and leads in WhatsApp chats. When a motor policy lapses because nobody called, the client renews online with whoever shows up first in search. When a health policy runs into the grace period, there is a real risk to the family’s continuity benefits, and the agent finds out only when the client calls angry. Each missed renewal is a client lost, along with the renewal commission for years to come.
Agencies have a second leak: they cannot see the month while it is happening. Advisors send their numbers to the manager on WhatsApp in the evening, someone types them into Excel, and the real picture arrives on the 31st. Contest standings and incentive sheets are argued over because nobody trusts the source. Commission statements from insurers are rarely checked policy by policy, so short payments go unnoticed.
The rules around selling have also tightened. Insurance advertising moved under a new IRDAI framework in 2024, service calls from insurers and intermediaries had to move to 1600-series numbers in 2026, individual life and health premiums became GST-exempt in September 2025, and the insurance laws were amended by Parliament in December 2025. Infoways, a web, app and software company in Mahape, Navi Mumbai, has built a daily sales reporting system for a sales team, with daily new business and renewal entry by product, monthly plans per executive, plan vs actual, leaderboards and incentive reports. Below: how each part of an agency platform works, the rules it has to respect, and how it compares with the ready-made agent apps you may already use.
Who uses each part, what they do on screen and which rule or awkward case it has to handle.
Used by the agent and back office. One household record links the earning member, spouse, parents and children, each with every policy they hold: life, health, motor, home, travel, personal accident and shop cover, from any insurer. Each policy stores the insurer, product, policy number, sum assured or IDV, premium, mode, start date, renewal date, nominee and the agent code it was sold under. Existing lists come in from Excel exports. The record handles the awkward cases: a vehicle sold mid-term, a family floater where one member leaves, a policy ported to another insurer, and a client who moved to another agent.
Solved in your appThe module that pays for the whole system. Every policy gets a reminder plan by product: motor and health usually start sixty days ahead, life premiums by mode. The client gets a WhatsApp or SMS reminder, and the advisor gets a call task on the right day. If the due date passes, the policy moves to a grace list with the days left shown in red, because health cover in the grace period is handled differently from a lapsed policy. Renewals are marked done only when the insurer’s receipt or new policy number is entered, so a promise to pay is not counted as a renewal.
Solved in your appLeads come in from the website, Meta and Google lead forms, referrals, walk-ins and events. Each lead carries the need (term, health, motor, child plan, business cover), the source and the next call date, and nothing can be saved without a next step. Advisors see their lead list sorted by who to call today. Repeated attempts are logged, so the manager can see a lead called once and dropped. Leads who say not now are parked with a date, such as after the bonus in March or at the next car purchase. A lead is closed only as issued, lost with a reason, or not eligible.
Solved in your appThis is the part we have already built for a sales team. At the start of the month, each advisor gets a plan by product for new business and renewals. Every evening the advisor enters the day’s business by product in under a minute. The manager sees plan vs actual for each advisor, team and branch, every day, not at month end. Entries can be checked later against insurer data, and a correction keeps a history of who changed what. Read the [sales daily reporting system case study](/case-studies/sales-daily-reporting-system.html) for how this works in practice.
Solved in your appAgencies run in layers: owner, branch manager, unit manager, advisor and sub-agent or POSP. The hierarchy is set once, and every report rolls up through it. Leaderboards show daily and monthly standings by product or by premium. Contests run with their own rules and dates. Incentive reports are built from the same daily entries, so the figure an advisor sees is the figure the owner pays. Your own incentive rules sit in settings and can change each quarter without new code. Insurer contests with their own qualifying rules can be tracked separately.
Solved in your appUsed by the owner or accountant. Insurers pay commission under their own board-approved commission policies, and statements arrive as PDFs or Excel files with their own layouts. The platform reads each statement, matches every line to an issued policy and flags mismatches: a policy issued but not paid, a renewal paid at the first-year rate, or a policy credited to the wrong agent code. Rates are taken from your insurer agreements and statements, never hard-coded by us. The result is a list your back office can raise with each insurer’s channel team every month.
Solved in your appInsurance advertising is regulated, and insurers commonly require their agents and partners to use only insurer-approved material. The platform keeps a library of approved posters, videos and product notes with the insurer’s approval reference and expiry date. Advisors can share only items from the library, and expired items disappear. Broadcast templates for WhatsApp are fixed text with blanks for the client’s name and due date, not free-text product claims. The agent website shows your name, licence or registration details and insurers, and carries only approved product content.
Solved in your appClients remember the agent most at claim time. A service desk logs every request: claim intimation, cashless approval chase, address or nominee change, NCB certificate, policy copy. Each request has the insurer’s reference number, documents uploaded from the advisor’s phone, the status and the next follow-up date. The agency does not settle claims; the insurer and its TPA do. The tracker keeps the agent on top of the case so the family is not left calling a helpline alone, and shows the owner which insurer is slow on which kind of claim.
Solved in your appTell us how many clients and advisors you have, and how renewals and daily numbers are tracked today. We will tell you which module to set up first.
These points come from IRDAI regulations and master circulars, TRAI directions and GST notifications as reported up to October 2026. Your insurer’s own rules sit on top of these and are often stricter.
| Term or rule | 1What it means | 2How the software handles it |
|---|---|---|
| Agent licence and code of conduct | Agents are appointed by an insurer under IRDAI rules. The long-standing code of conduct expects an agent to identify themself and the insurer they represent, and to show their licence to a prospect on demand. | Each advisor’s agent code, insurer and licence validity are stored, with renewal alerts. The advisor’s profile, the website and approved message templates show the right details. |
| POSP (Point of Sales Person) | A simpler role for selling pre-underwritten products approved for POSP sale, such as many motor, personal accident and travel covers and some simple life and health plans. The life master circular requires the person to be at least 18, 10th pass, and to complete 15 hours of training and an exam. | Products are flagged as POSP-eligible in the product master. A POSP’s login shows and records only those products, and certificates are stored with their dates. |
| Corporate agents, IMFs and brokers | Corporate agents were reported in March 2024 as allowed to tie up with up to nine insurers in each of life, general and health, and insurance marketing firms with up to six. Brokers work under the 2018 broker regulations and act for the client, not the insurer. | The insurer master is per entity, so one platform can hold many insurers per line, with reports split by insurer and line of business. |
| Advertising under the June 2024 master circular | The 2021 advertisement regulations were replaced in 2024. Insurers and distribution channels must have advertisements approved internally, follow the ASCI code, and must not advertise unit-linked products as investment products. Insurers usually want agents to use only their approved material. | A content library with the insurer’s approval reference and expiry date. Advisors share only approved items, and WhatsApp broadcasts use fixed templates without product claims. |
| Free-look period | A new policyholder can return a life or health policy within the free-look period, reported as 30 days from receipt of the policy document under the 2024 rules. Some deductions are allowed, as the policy terms explain. | The policy record stores the date the document reached the client and the free-look end date. Cancellations in free-look are tracked per advisor, because a high count can point to mis-selling. |
| Grace period | For health policies, the 2024 master circular is reported to set 15 days for monthly premiums and 30 days for other modes, with cover continuing during the grace period. Life policies have grace periods in their own terms. | Policies past the due date move to a grace list with days remaining. Reminders and call tasks get more frequent, and the client is told exactly how many days are left. |
| Commission and expenses of management | Since April 2023, each insurer pays commission under its own board-approved policy, within overall expenses of management limits (now in the 2024 regulations). There is no single rate table for all insurers. | Commission rates are loaded from your insurer agreements and statements. The platform checks statements line by line against issued policies and flags gaps. |
| GST on premiums | From 22 September 2025, individual life and individual health premiums are exempt from GST. Group policies and general insurance such as motor are still taxed. Insurers can no longer claim input credit on commission for exempt policies. | Quotes and reminders use the insurer’s own premium figure, so the software never works out tax itself. The product master marks which lines carry GST, for client communication only. |
| 1600-series numbers and DND | TRAI directed insurers and insurance intermediaries to make service and transactional calls only from 1600-series numbers from 15 February 2026 (IRDAI circular of 6 January 2026). Promotional calls and SMS follow TRAI’s commercial communication rules, including DND preferences and registered templates. | Cloud telephony is set up with the number series your telephony partner and compliance team confirm. Each client carries consent and DND flags, and promotional campaigns skip anyone not cleared. |
| Client data under the DPDP Act 2023 | Names, phone numbers, health details, vehicle numbers and nominee details are personal data, and health details are sensitive in practice. The agent or agency must collect them for a clear purpose with consent. | Consent captured at first contact, access by role so an advisor sees only their own clients, export logs, and a way to delete a client’s data when the purpose ends. |
We have taken these points from IRDAI and TRAI documents as reported by legal, tax and trade publications. Rules change often, and your insurer’s own guidelines may be stricter. Confirm each point with your insurer’s channel or compliance team, or your broker’s principal officer, before it goes into the software. We build what your compliance team approves; we do not give legal advice.
Most agents asking us about software already use something. Every insurer gives its agents a portal or app for quotes, proposals and policy status. POSPs often work through a distribution platform that gives them quoting and issuance across insurers. For the client book itself, there are ready-made agent CRMs sold in India, such as Agenex, SmartAgent and Mitra (popular with LIC agents), which offer client records, renewal reminders and commission tracking. Some larger agencies use general CRMs like Zoho CRM or a telecalling CRM and adapt them. Features change often, so compare current versions directly.
For an individual agent or POSP with a few hundred clients, a ready-made agent CRM is usually the right first step, and we will say so. It is quick to start, it costs less to run than anything custom, and it handles renewal reminders well. Before you sign, check that it can hold policies from every insurer you work with, that reminders go from your own WhatsApp Business number, that you can export all your client data at any time, and how it handles health data and consent.
A custom platform makes sense when the business has outgrown a single person’s tool: an agency with several branches and a layered team, a corporate agent selling through branches or partners, a broker with its own operations team, or an agency that wants daily plan vs actual, contests and incentives on its own rules. It also helps when you want the client book held by your agency, not spread across individual advisors’ phones, so that clients stay with the agency when an advisor leaves. Our guide on custom software vs off-the-shelf covers the trade-off in more detail.
A plain comparison. The right choice depends on your team size, how many insurers you work with and who should own the client book.
| Factor | 1Diary, WhatsApp and insurer portals | 2Ready-made agent CRM | 3Your own agency platform |
|---|---|---|---|
| Best for | New agents with a small book | Individual agents and POSPs | Agencies, corporate agents and brokers with teams |
| Family view across insurers | Not possible | Usually available | Built around your households and products |
| Renewal and grace tracking | From memory | Standard reminders | Reminder plans by product, grace list, call tasks |
| Daily plan vs actual for a team | WhatsApp messages | Basic or not covered | Daily, by advisor, team and branch |
| Incentives and contests | Excel | Rarely on your own rules | Your rules, changeable each quarter |
| Commission statement check | Rarely done | Totals only in most tools | Line-by-line match with issued policies |
| Who owns the client book | Each advisor’s phone | The account holder | The agency, with access by role |
| Time to start | Already running | Days | Weeks to months, in phases |
Product names are mentioned only to help you compare. Features and terms change often, so check each vendor directly.
Each one comes straight from the daily entries and policy records. None needs an analyst.
Policies renewed against policies that came due in the month, split by product and advisor. Motor and health usually behave very differently. A falling rate for one advisor often means calls are not being made; a fall across the agency can mean a price change by one insurer.
Solved in your appNumber of policies past the due date but still inside the grace period, with days left. This is the list to clear first every morning, because it is the business closest to being lost.
Solved in your appLeads that became issued policies, by source: referrals, website, Meta ads, events. It tells you where to spend. A source that brings many leads and few policies is costing advisor time.
Solved in your appHours from a lead arriving to the first logged call. Online leads cool quickly. If this number is in days, the problem is the process, not the advertising.
Solved in your appBusiness done by the 20th of the month against the monthly plan, by advisor and product. It leaves ten days to help advisors who are behind, instead of explaining the gap at month end.
Solved in your appPolicies returned within the free-look period, by advisor and product. A rising count is an early sign of a mis-match between what was explained and what was bought, and it costs commission and reputation.
Solved in your appCommission expected from issued and renewed policies against commission actually received, by insurer. The gap list is what your back office raises with each insurer’s channel team.
Solved in your appOf the life policies sold in a given month, how many are still paying premiums a year or more later. Insurers watch persistency closely, and so should you, because it drives renewal commission and shows the quality of selling.
Solved in your appSay you run an agency in Thane with 20 advisors and six POSPs, selling life, health and motor cover from several insurers, with around 9,000 policies in the book. The numbers here are only to show the flow. On the 1st, each advisor’s plan by product is loaded. Every morning the advisor app opens on three lists: renewals due this week, policies in grace, and leads to call today.
On the 4th, a family floater health policy for a couple in Majiwada is 45 days from renewal. The client gets a WhatsApp reminder from the agency’s number, and the advisor gets a call task. The client wants to add their newly married son, so the advisor gets a fresh quote from the insurer’s portal and shares the insurer’s payment link. The renewal is marked done only after the new policy number is entered. Another policy, a motor renewal for a delivery van, slips past its due date. It appears on the grace list with days left in red, and the manager sees it at the morning huddle.
Every evening each advisor enters the day’s new business and renewals by product. On the 20th the dashboard shows the team at about two-thirds of the health plan, with four advisors well behind. The branch manager plans joint calls with those four for the next week, instead of finding out on the 31st. A POSP tries to log a product not on the POSP list; the app does not offer it, and the lead is passed to a licensed advisor.
In the last week, insurer commission statements arrive. The back office loads them, and the platform flags eleven lines: policies issued but missing from the statement, and two renewals paid at the wrong rate. The list goes to each insurer’s channel manager. The incentive report for the month comes from the same daily entries, so nobody argues over whose figures are right, and the owner sees renewal retention, free-look cancellations and plan achievement for every advisor.
We list every insurer, product and line you sell, your team hierarchy, how renewals and daily numbers are tracked now, and how incentives are worked out. Your compliance contact confirms the advertising, calling and data rules that apply.
Client and policy lists come in from insurer portal exports and your Excel sheets. We merge duplicates into households and check renewal dates, agent codes and nominees. The owner signs off a sample before the full load, because reminders will go out on whatever dates the system is given.
Reminder plans by product, your WhatsApp Business number and SMS templates set up and tested on staff phones. We switch on renewals first, because that is where the quickest gains are.
Monthly plans per advisor, the evening entry screen, plan vs actual and leaderboards. For two weeks advisors also send their numbers the old way, and the manager compares them until the app figures are trusted.
Statement formats from each insurer are mapped, rates loaded from your agreements, and incentive rules set up. The accountant runs one month in parallel with the old Excel to confirm the figures match.
Short sessions in Hindi, Marathi or English for advisors and POSPs on the phone app, and separate sessions for managers and back office. A one-page guide in each language, and a WhatsApp help line for the first month.
Before sign-off we check reminders, role access, exports and reports with the owner. Then maintenance and support continues, including changes when insurers, products or rules change.
Send us what you use now and what it cannot do for your team. We will tell you honestly whether to stay, switch or build.
Every agency is different, so we quote after understanding yours. A website with lead capture for a single agent, plus a simple renewal list, is a small project. A client book with family records, renewal reminders, the grace list and an advisor app is a medium one. A full platform for a large agency, corporate agent or broker, with branches, a layered team, daily plan vs actual, leaderboards, incentives, commission statement checks and claims tracking, is a large one.
The cost goes up with the number of insurers and products, how many layers your team has, how complex your incentive and contest rules are, how many different commission statement formats must be read, and how messy the existing client data is. Linking to an insurer or distribution platform is possible only where they offer an official API, and that adds effort. The cost comes down if you start with renewals and daily reporting, which pay back fastest, and add commission checks and claims tracking later.
Timelines: a renewal CRM with an advisor app usually takes 6-10 weeks, much of it spent cleaning client data. Adding daily reporting, plans and leaderboards takes another 4-6 weeks. A full agency or broker platform runs about 4-6 months in phases. See custom CRM development for how we approach CRMs, and the app cost calculator for a rough idea of scope.
Do not scrape insurer portals or share advisors’ portal logins with a software vendor to pull data. It usually breaks the insurer’s terms and puts your agency code at risk. Use the exports insurers give you, or an official API where one exists.
Do not let advisors write their own product posts or WhatsApp broadcasts about returns, guarantees or comparisons. Advertising is regulated, and insurers commonly want written approval for anything an agent publishes. Keep a library of approved material and make the software share only from it.
Do not count a renewal as done when the client says they will pay. Count it when the insurer has issued the renewal. Agencies that count promises find the gap only when the policy has lapsed and the client has moved on.
Do not launch a dialer or bulk calling campaign before checking the calling rules. Service calls now have their own number series, and promotional calls must respect DND choices. Get your telephony partner and compliance team to confirm the set-up first.
And if you are a single agent with a few hundred clients and no team, start with a ready-made agent CRM and your WhatsApp Business number. A custom platform pays off once you have advisors whose daily numbers, renewals and incentives you need to manage, and a client book worth protecting as an agency asset.
Ask us on WhatsApp. A real person from our Navi Mumbai team replies.
Ask on WhatsAppFor an individual agent or POSP, a ready-made agent CRM such as Agenex, SmartAgent or Mitra is often enough, so compare their current features on multi-insurer records, renewal reminders and data export. An agency with a team, branches and its own incentive rules usually needs its own platform with daily plan vs actual and commission checks.
Most agencies start about 60 days ahead for motor and health, then repeat at set points close to the due date, with a call task for the advisor. Life premium reminders follow the payment mode. The software lets you set a different plan for each product.
Under the 2024 IRDAI master circular, the grace period is reported as 15 days for monthly premiums and 30 days for other modes, with cover continuing during the grace period. Check the policy terms and the insurer for each case. The software puts such policies on a separate grace list with days left.
Advertising is regulated. Under the June 2024 master circular, insurers and their distribution channels must approve advertisements internally and follow the ASCI code, and insurers usually want agents to use only their approved material. Ask your insurer before you post. We build websites and content libraries that share only approved items.
It is good practice to show your name, the insurers you represent and your licence or registration details clearly, and the code of conduct expects agents to identify themselves and show their licence on demand. Your insurer may have specific wording, so confirm it with them.
Individual life and individual health premiums are exempt from GST from 22 September 2025. Group policies and general insurance such as motor still carry GST. Quotes should always come from the insurer, and the software uses the insurer’s premium figure rather than working out tax.
A POSP sells pre-underwritten products the insurer has approved for POSP sale, such as many motor, personal accident and travel covers and some simple life and health plans. The software flags POSP-eligible products, so a POSP’s login shows only those.
Yes. Insurer statements are loaded as they arrive and matched line by line with issued and renewed policies. Missing policies, wrong rates and policies under the wrong agent code are flagged for your back office to raise with the insurer. Rates come from your agreements; we do not set them.
Only through official exports or an API the insurer provides. We do not scrape portals or use advisors’ logins, as that usually breaks the insurer’s terms. Excel or CSV exports from portals can be imported on a schedule.
TRAI directed insurers and insurance intermediaries to use 1600-series numbers for service and transactional calls from 15 February 2026, and promotional calls follow separate rules with DND checks. Whether and how this applies to your agency depends on your registration, so check with your insurer or compliance team and your telephony provider.
Yes. Each advisor enters new business and renewals by product at the end of the day in under a minute. Managers see plan vs actual and leaderboards straight away. We have built this for a sales team; see our sales daily reporting case study.
In an agency platform, the book belongs to the agency. Access is by role, so the manager can reassign the leaving advisor’s clients and pending renewals to another advisor in a few clicks, and the history stays with each client.
Bima Sugam is an industry insurance marketplace backed by IRDAI. Its information site went live in 2025, and first products were reported as targeted for late 2026, with the role of agents still being worked out. Most families still want a person to explain cover and help at claim time, so keep an eye on official announcements rather than rumours.
Names, phone numbers, health details, nominee and vehicle details are personal data under the DPDP Act 2023. We build consent at first contact, access by role so advisors see only their own clients, logs for every export, and deletion when the purpose ends. Your insurer may have further data rules, so check those too.
Talk to our Navi Mumbai team about your insurers, advisors, renewals and incentive rules. We will give you a clear plan, an honest view on ready-made agent apps, and a price.
Website, software, SEO, or AI automation — tell us what you’re trying to achieve and we’ll come back within one business day, usually the same day, with honest, specific advice. No cost, no commitment.
We’ll go through what you send and get back to you within one business day, usually the same day.
Want a faster reply? WhatsApp us