‘Digital Sales & Underwriting’ solution powered by AVO, a feature rich responsive web application, from iNube, empowers insurance intermediaries to manage and digitize the sales and underwriting lifecycle efficiently

Who are the users of this solution?

  • Intermediaries
  • Sales Managers
  • Underwriters
  • Finance Officers
  • Branch Users
  • Agents
  • Brokers
  • Bancassurance Partners
  • Affinity Partners


Explore AVO’s distinctive features that help in delivering value in terms of growth, operational agility, process digitization and enhancing intermediary engagement

Supports multiple insurance LOB’s including Life, Motor, Marine, Health and Travel

API driven microservices based architecture

Guided sales process for insurance intermediaries

Setup of underwriting and pricing rules

Tailored portals for stakeholders

Readily integrates with external systems – Core Insurance Systems (Genisys Configurator, PolisyAsia), Policy Bazaar

Solution Variants

Property & Casualty (P&C)

AVO P&C, a feature rich responsive web application to enable P&C insurance intermediaries to manage and digitize the sales and underwriting lifecycle efficiently Know More

Life Insurance & Annuities

AVO Life , a comprehensive and responsive web application to enable life insurance intermediaries to manage the elaborate sales process in Life & Annuity insurance Know More

Accident & Health Insurance

AVO Health & Accident, an end-to-end and responsive web application catering to both retail and group health products’ policy issuance and underwriting Know More

Portal for Insurance Brokers/Aggregators

AVO Aggregator Portal, a one stop solution for insurance brokers and aggregators, that provides a comparison of different options, from multiple insurance companies Know More

Core Building Blocks – A Modular Approach

AVO – a digital virtual office platform comprises of core functional blocks in a modular setup. Each of the functional blocks or a group of functional blocks, may be leveraged independently to fit into the existing IT ecosystem of the insurance company

    • Quotation Management

      Create/modify, search quotes

    • Underwriting Rules

      Configurable underwriting rules that enable quotations/proposals to be routed to underwriter for decision making in case of deviations

    • Premium Calculators

      Rating table based premium calculation or real time integration with core insurance system to fetch premium

    • Campaign Management

      Create/manage campaigns and generate campaign reports

    • Policy Issuance

      Capability to handle both straight through policies and policies with underwriting intervention

      Real time issuance of policy schedule

      Encompassing end to end policy issuance journey from quick quote – proposal – inspections – payment – policy issuance

    • Claim Intimation/Status

      Intimate claims along with relevant document upload

      Real time claim status check

    • Policy Renewal

      Renewal premium calculation

      Renewal notice generation

    • Payment Setup

      Enable agent to make payment through various modes such as debit card, net banking, cheque/DD, cash wallets

      Enable premium payment from customer to insurance company via a secure payment link, without agent intervention

    • Reports & Dashboards

      View business figures graphically (process wise, LOB wise, area wise etc.) and insightful MIS reports

    • Campaign Management

      Create/manage campaigns and generate campaign reports

Value Proposition

AVO, a one-stop shop for insurance intermediaries, comes with a host of benefits, designed to meet your business objectives.

  • Greater Flexibility

    Allows insurance companies to configure different privileges for pricing, underwriting and operations to different intermediaries

  • Digitize Sales Cycle

    Create Leads – Generate Quick Quotes – Issue Policies with enhanced conversion & onboarding

  • Better Oversight

    Take complete control over your distribution network with configurable levels of pricing and underwriting privileges

  • Generate Real-time Quotes / Policies

    Empower your intermediaries to instantly generate quotes and issue policies instantly. Reduce load on your core insurance system

  • Quicker TAT

    Delight your customers by providing quicker turnaround times for policy issuance, renewals, endorsements

  • Increase Operational Transparency

    Versatile system supports multiple types of commissions – flat, business volume linked, claim ratio based, discount linked etc.

  • Enhance Engagement with Intermediaries

    Make announcements, distribute sales material, provide online training through the platform

Related Solutions

Distribution Management

Manage your intermediaries and empower them with mobile point-of-sale (POS) insurance applications
Know More

Digital Claims Management & Fraud Detection

Manage your claims efficiently and prevent claims leakage using our state-of-the-art claims management system Know More

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