Insurance Sales and Underwriting

Fast-track your Sales Cycle and Underwriting Processes

Empower your insurance intermediaries to manage and digitize the insurance sales and underwriting life cycle efficiently using AVO – A Virtual Office Platform


Digital Insurance Sales & Underwriting solution powered by AVO – an agent virtual office, is a feature rich responsive web application for insurance intermediaries. It empowers intermediaries to generate quick quotes/policies, drives sales and enables self-service.

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 operational agility and process digitization.

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

External System Integration – Core Insurance Systems (Genisys Configurator, PolisyAsia), Policy Bazaar

Solution Variants

Property & Casualty (P&C)

AVO P&C for Property & Casualty (P&C) Intermediaries

Life Insurance & Annuities

AVO Life for Life Insurance

Accident & Health Insurance

AVO Health for Health Insurance Intermediaries

Broker/Aggregator Portal

AVO Aggregator Portal for Insurance Brokers and Aggregators

Bancassurance Portal

AVO Banca for Insurance Companies and Banks

Core Building Blocks – A Modular Approach

AVO comprises of core functional blocks in a modular setup. These functional blocks can be leveraged individually or collectively to fit into the existing IT ecosystem of an insurance company.

  • Quotation Management

    Create/modify, search quotes

  • Campaign Management

    Create/manage campaigns.
    Generate campaign reports.

  • Policy Renewal

    Renewal premium calculation.
    Renewal notice generation.

  • Configurable Underwriting Rules

    Quotations/proposals can be routed to underwriter for decision making

  • Premium Calculators

    Rating table based premium calculation.
    Core insurance system integration.

  • Claim Intimation/Status

    Intimate claims.
    Real time claim status check.

  • Policy Issuance

    Real time issuance of policy schedule.
    End to end policy issuance.

  • Payment Setup

    Multiple modes of payment.
    Secure payment link for customers.

  • Reports & Dashboards

    Graphical representation of business figures.
    MIS reports.

Value Proposition

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

  • Greater Flexibility

    Configure different privileges for pricing, underwriting and operations

  • Digitize Sales Cycle

    Create Leads – Generate Quick Quotes – Issue Policies

  • Generate Real-time Policies

    Reduce load on your core insurance system

  • Quicker Turnaround Time (TAT)

    Ensure quicker TAT for policy issuance, renewals, endorsements

  • Increase Operational Transparency

    Versatile system supports multiple types of commissions

  • Enhance Intermediary Engagement

    Make announcements, distribute sales material, provide online training

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 Platform

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

Interested to learn how AVO helps reduce Policy Issuance Turnaround Times?

Request Demo

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