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INSURANCE COMMERCE ENGINE

The Complete Insurance Distribution Operating System

Multi-carrier, multi-channel commerce platform with 25+ modules spanning Sales, Operations, Finance, and Compliance. India's #1 retail insurance distribution platform — now deployed globally for carriers, MGAs, brokers, and NBFCs.

700+APIs Live
50+Carrier Integrations
25+Modules
<4 WeeksGo-Live
500+Products
99.9%Uptime SLA
ISNP Certified (India)
DFSA Ready (Middle East)
SOC 2 Compliant
ISO 27001
GDPR Ready (US/EU)
ICE Commerce Dashboard GWP Today $1.2M Policies Issued 3,847 Conversion 68.4% Active Carriers 52 Multi-Carrier Quote Comparison Carrier Premium Cover Status HDFC Ergo $485 $500K BEST Bajaj Allianz $512 $500K LIVE ICICI Lombard $498 $500K LIVE Tata AIG $530 $500K LIVE Policy Flow 1. Quote Generated 2. KYC Verified 3. Payment Done 4. Policy Issued GWP Trend (Monthly)

How ICE Works

From distributor onboarding to carrier settlement — ICE orchestrates every step of the insurance commerce lifecycle through a single, unified platform.

👤
Customer
Web / Mobile / WhatsApp
🔍
Quote & Compare
Multi-Carrier Quotes
📋
Proposal & KYC
eKYC / Digital Forms
💳
Payment & Issuance
Policy in <60 sec
🔄
Lifecycle
Renewals / Claims / Recon

Four Pillars. Complete Coverage.

Every module built for insurance-grade reliability, real-time performance, and multi-jurisdiction compliance. Deploy individually or as a full stack.

🎯

Sales

Quote engine, product comparison, proposal builder, payment gateway, lead management, and multi-channel distribution.

⚙️

Operations

Policy issuance, endorsements, renewals engine, claims management, document generation, and workflow automation.

💰

Finance

Commission engine, premium reconciliation, MIS and reporting, revenue analytics, settlement automation, and leakage detection.

🛡️

Compliance

eKYC/KYC verification, user and role management, complete audit trail, and regulatory compliance across ISNP, DFSA, NAIC, and FCA.

🎯

Sales Modules

Quote to Cash — End to End

🔍

Quote Engine

Real-time multi-carrier quoting across 50+ insurers. Compare premiums, coverages, and benefits side-by-side. Sub-second response times with intelligent caching and carrier failover.

📊

Product Comparison

Feature-by-feature comparison across carriers and plans. Configurable ranking algorithms, highlight differentiators, and AI-powered recommendation engine for optimal product matching.

📝

Proposal Builder

Dynamic form generation based on carrier requirements. Pre-filled data from KYC, smart validations, document upload, e-signatures, and automated proposal submission to carriers.

💳

Payment Gateway

Unified payment orchestration — UPI, cards, net banking, wallets, EMI options. Multi-currency support (INR, USD, AED, EUR). PCI-DSS compliant with automated reconciliation.

📱

Lead Management

Capture, qualify, assign, and track leads across channels. Automated follow-up sequences, conversion analytics, and distributor performance scoring per lead cohort.

🔗

Multi-Channel Sales

Unified commerce across web portals, mobile apps, WhatsApp bots, branch POS terminals, and API/SDK integrations. Same product catalog, same pricing, every channel.

⚙️

Operations Modules

Full Policy Lifecycle Management

📄

Policy Issuance

Automated policy generation with carrier-specific templates. Real-time issuance confirmation, policy document delivery via email/WhatsApp/SMS, and digital policy vault for customers.

✏️

Endorsements

Mid-term policy modifications — add/remove insured, coverage changes, vehicle transfers, address updates. Automated premium adjustment, carrier approval workflows, and endorsement tracking.

🔄

Renewals Engine

Proactive renewal management with 60/30/15/7-day notification cascades. Auto-quote generation, carrier switching recommendations, lapse prevention, and bulk renewal processing.

🏥

Claims Management

End-to-end claims lifecycle — FNOL registration, document collection, carrier submission, status tracking, and settlement monitoring. Integrated with carrier claims APIs for real-time updates.

📑

Document Engine

Automated generation of policy schedules, certificates, endorsement letters, premium receipts, and compliance documents. Carrier-branded templates with digital signatures.

🔧

Workflow Automation

Configurable approval flows, SLA tracking, escalation rules, and task assignment. No-code workflow builder for custom operational processes per carrier or product line.

💰

Finance Modules

Revenue Assurance & Financial Control

💎

Commission Engine

Multi-tier commission structures — flat, slab, performance-based, override. Automated calculation across hierarchies, real-time payout tracking, and dispute resolution workflows.

🔄

Reconciliation

3-way reconciliation — policy data vs. carrier statements vs. payment records. Automated mismatch detection, exception handling, and settlement tracking with carrier-wise breakdowns.

📈

MIS & Reporting

120+ pre-built KPIs across production, collections, commissions, and claims. Automated MIS generation, scheduled reports, and custom report builder with export capabilities.

📊

Revenue Analytics

Real-time revenue dashboards — GWP tracking, carrier-wise performance, product mix analysis, channel profitability, leakage detection, and forecasting models.

🛡️

Compliance Modules

Regulatory Readiness Across Jurisdictions

🪪

eKYC / KYC

Aadhaar-based eKYC (India), Emirates ID verification (UAE), SSN/DL validation (US), and passport-based verification. Configurable KYC flows per jurisdiction with real-time verification APIs.

👥

User Management

Full RBAC — role-based access control across organizational hierarchies. SSO integration, multi-factor authentication, session management, and granular permission controls per module.

📋

Audit Trail

Complete immutable audit log of every action — user activity, data changes, approvals, policy modifications, and system events. Tamper-proof records for regulatory audits and investigations.

⚖️

Regulatory Compliance

Pre-configured compliance frameworks — IRDAI/ISNP (India), DFSA/CBUAE (Middle East), NAIC/state-level (USA), FCA/Solvency II (Europe). Automated regulatory reporting and filing.

500+ Products. 15 Categories. All Major LOBs.

Pre-configured product templates across every line of business — deploy out-of-the-box or fully customize for your market and carrier relationships.

Motor
120+ Products

Personal Auto, Commercial Vehicle, Fleet, Two-Wheeler, Liability, Comprehensive, Third-Party, Own Damage, Pay-As-You-Drive, EV-specific, Motor Trade

Health
100+ Products

Individual, Family Floater, Group (GMC/GPA), Critical Illness, Senior Citizen, Top-Up, Super Top-Up, International Health, Dental, Vision, Maternity

Life
80+ Products

Term, Whole Life, Endowment, ULIP, Retirement, Children's Plans, Annuities, Group Life, Key Person, Credit Life, Savings Plans

Property & Casualty
60+ Products

Commercial Property, Business Interruption, Homeowner, Landlord, Tenant, Builder's Risk, Equipment Breakdown, Inland Marine

Specialty
80+ Products

Cyber, D&O, E&O, Professional Liability, Marine Cargo, Aviation, Engineering, Surety Bonds, Political Risk, Trade Credit, Agriculture

Embedded & Micro
60+ Products

Travel, Shipping, Extended Warranty, EMI Protect, Credit Shield, Wage Protect, Gig Worker, Parametric Weather, Rental, Event Cancel

One Platform. Every Channel.

ICE delivers a unified commerce experience across every distribution channel — same product catalog, same pricing engine, same compliance framework. No channel-specific rebuilds.

🌐

Web Portal

White-labeled distributor portals with full branding control. Responsive design, SSO integration, role-based dashboards, and end-to-end policy lifecycle management for your sales teams.

📱

Mobile App

Native iOS and Android apps for field agents and sales teams. Offline-capable quoting, GPS-tagged sales activities, photo document upload, and real-time performance tracking.

💬

WhatsApp Commerce

Full insurance sales via WhatsApp — product discovery, quoting, proposal filling, payment, and policy delivery. Conversational UI powered by AI agents for guided purchase flows.

🏪

Branch / POS

Point-of-sale terminals for branch operations — walk-in customers, counter sales, assisted selling. Barcode scanning, receipt printing, and cash collection integrated with reconciliation.

🔌

API / SDK

RESTful APIs and front-end SDKs for embedding ICE capabilities into any third-party application. 700+ API endpoints, comprehensive documentation, and sandbox environments for testing.

🤖

AI-Assisted Selling

Intelligent product recommendations, persona-based matching, automated cross-sell and upsell triggers, and predictive lead scoring — all integrated natively into every channel.

<200ms
API Latency
P95 Response Time
700+
API Endpoints
RESTful / Webhooks
6
Channels
Unified Experience
99.9%
Uptime SLA
Enterprise-Grade

One Platform. Every Jurisdiction.

ICE adapts its compliance framework per market — regulatory workflows, KYC rules, reporting formats, and product approvals are all configurable without code changes.

🇮🇳

India

IRDAI / ISNP Certified

Full ISNP compliance for insurance web aggregators. IRDAI-mandated disclosures, product filing templates, grievance redressal workflows, and regulatory reporting as per Insurance Act guidelines.

ISNP License
eKYC (Aadhaar)
GST Compliant
🇦🇪

Middle East

DFSA / CBUAE Ready

Configured for UAE, Saudi Arabia, Bahrain, and Oman regulations. Takaful and conventional product support, Arabic language UI, AED/SAR multi-currency, and DFSA-mandated conduct rules.

DFSA
CBUAE
Takaful Ready
🇺🇸

United States

NAIC / State-Level Compliance

Architected for state-level regulatory variations. NAIC model law compliance, surplus lines reporting, producer licensing verification, and state-specific filing requirements across all 50 states.

SOC 2 Type II
NAIC
CCPA
🇪🇺

Europe

FCA / Solvency II / IDD

GDPR-compliant data processing, FCA conduct of business rules (UK), Insurance Distribution Directive (IDD) requirements, and Solvency II reporting capabilities for EU-based operations.

GDPR
FCA
Solvency II
IDD
⚙️

What Adapts Per Market

ICE's compliance engine is fully configurable per jurisdiction — no code changes required. Here is what adapts automatically:

KYC / Identity Rules
Aadhaar eKYC, Emirates ID, SSN/DL, Passport
Product Filing Rules
IRDAI templates, NAIC filings, FCA submissions
Tax & Currency
GST, VAT, state tax, multi-currency settlements
Regulatory Reporting
Auto-generated filings per regulator format

Enterprise Scale. Measured Outcomes.

Real deployments powering millions of policies. Here is what ICE delivers when deployed at enterprise scale.

Largest NBFC in India

Digitized insurance sales across 4,000 branches with 30L+ policies per year

Replaced manual, paper-based insurance distribution process across India's largest NBFC. ICE deployed as the complete commerce engine — multi-carrier quoting, digital issuance, commission tracking, and compliance. Enabled Tier 3 and Tier 4 branch reach with a fully digital workflow.

25% Revenue Leakage Reduction
33% Sales Growth YoY
4,000 Branches Digitized
Motor
Health
Life
Credit Life
Largest Used Car Platform

250% increase in insurance attachment rate with 100% digital delivery

Embedded ICE into the vehicle purchase flow of India's largest used car platform. Real-time digital policy issuance at point-of-sale. Moved from a 30% offline attachment rate to 250%+ digital, with multi-carrier comparison and instant issuance at the showroom.

~250% Attachment Rate Increase
100% Digital Delivery
<60s Quote to Policy
Motor Comprehensive
Third Party
Extended Warranty

Built for Every Insurance Player

Whether you are a carrier looking to digitize distribution or a broker scaling operations, ICE adapts to your business model and market.

🏦

Insurance Carriers

Digitize your distribution network, automate policy administration, enable multi-channel sales, and get real-time analytics across your entire book of business.

📋

MGAs & Program Managers

Full MGA stack — binding authority management, multi-carrier connectivity, bordereaux reporting, and automated carrier settlements. Launch programs in weeks.

🤝

Brokers & Distributors

Multi-carrier comparison, automated placement, commission reconciliation, client management, and renewals engine. Scale your brokerage without scaling your team.

🏛️

Banks & NBFCs

Cross-sell insurance into lending, credit card, and wealth journeys. Branch-level sales enablement, commission tracking, and regulatory compliance for bancassurance operations.

🛒

E-Commerce & Platforms

Embed insurance at checkout via API/SDK — warranty, shipping, returns protection. Sub-200ms latency, persona-based product matching, and seamless payment integration.

🚗

Automotive & Mobility

Motor insurance at point of vehicle sale — new and used cars, fleet coverage, ride-hailing, EV-specific products. Integrated into vehicle purchase and ownership lifecycle.

Ready to Deploy
ICE for Your Business?

25+ modules. 700+ APIs. 50+ carrier integrations. Production-ready in under 4 weeks.
See why enterprises across India, Middle East, and beyond choose ICE as their insurance commerce backbone.

700+
APIs
50+
Carriers
<200ms
Latency
99.9%
Uptime