InsureWise

The challenge

Before

A regional insurance provider was managing 100,000+ active policies in physical folders and a legacy system that couldn't be accessed remotely. Claims were submitted on paper forms, manually reviewed, and processed via inter-office mail between branches. Agents had no digital tools — they couldn't check policy status, process renewals, or submit claims without visiting a branch. Customers had no online access to their policies.

• 100,000+ policies in physical folders and a legacy system with no remote access
• Claims submitted on paper forms and processed via inter-office mail
• Agents couldn't check policy status or process renewals without visiting a branch
• No customer self-service portal — all inquiries via phone or in-person
• Policy renewal reminders sent by post — high lapse rate on renewals
• No digital audit trail for claims decisions
• Branch staff manually reconciling premium collections daily

The solution

What we built

We built a digital insurance platform covering the full policy lifecycle — from issuance and endorsements through renewal and claims. Agents access all client policies remotely, process renewals, and submit claims through a web portal. Customers have a self-service portal for policy documents, claims status tracking, and premium payment. Automated renewal reminders are sent by SMS and email 30 and 7 days before expiry. The claims module includes a structured submission workflow, document upload, adjudicator assignment, and decision audit trail.

How the system flows

1. Agent→Policy Search→Endorsement / Renewal→Premium Computation→Issuance
2. Customer Portal→Policy Documents→Premium Payment→Claims Submission→Status Tracking
3. Claims→Document Upload→Adjudicator Assignment→Review→Decision→Payment Processing
4. Renewal Reminder (30 days / 7 days)→Agent Alert→Customer SMS + Email→Renewal Completion
5. Management→Premium Collection Report→Claims Reserve→Loss Ratio→Branch Performance