Insurance Learning Space

Motor Insurance

Login Page

• To access the partner site, go to https://partner.bajajcapitalinsurance.com/ .
• Choose to login as a Relationship Manager or POS, whichever applies to you.
• Use your Wealthmaker Username and Password to log in.
• If you forgot your password, click on "Forgot Password?" to reset it. You'll be redirected to the Wealthmaker portal for this.

Note: The entire journey is mobile friendly as well.

Dashboard

• Once you've logged in, you'll arrive at the dashboard screen.
• Click "Sell Now" to start selling insurance policies.

• To buy your client's Motor insurance policy, click "Car Insurance” or “Bike Insurance".

Dashboard : Business Code capturing

• If you choose to complete this step, enter the code type that corresponds with your channel.
• For example, ANG RM should select "Sub-broker", Branches & LAP should select "Business Code," and IPC can choose "Guest code" (optional).
• Then, enter the respective code.

Note: This step is optional. Click the blue "Skip" button to proceed.

Client Details Page : Basic Details

• Enter the client's basic details, such as their full name, email address, and mobile number. 
• Then, click "Proceed" to move to the vehicle details page.

Note: Entering the correct contact details will help you share quotes, proposals, or even policies with your client via email, SMS, or WhatsApp.

Client Details Page : Vehicle Registration No

• If you have the registration number, enter it to check the available quotes.
• Alternatively, you can proceed without the registration number and manually enter the vehicle and model details.

Note: The next five screen will be visible only if you do not have RC no,Vehicle no or if the details are not fetched from the Vahan API.

Client Details Page: Vehicle Brand Name

• Select the brand of vehicle from the available list. 
• If you don't see the brand, click "Click Here" as highlighted.

Client Details Page : Vehicle Model

• Select your vehicle's motor from the list provided.
• If you don't find your vehicle's brand listed, don't worry! Simply click on the "Click Here" text to continue.

Client Details Page: Vehicle Variant Details

• Choose the variant of the vehicle from the available list. 
• If you don't see the variant, click "Don't See Your Vehicle's Model?

Client Details Page: Vehicle RTO Details

• Select the city where the vehicle is registered from the available list. 
• Then, select the RTO name for that city. 
• If you don't see the RTO name, click "Don't See Your Vehicle's Model?”

Client Details Page : Vehicle Registration Year

• Select the year the vehicle was registered from the available list.

Client Details Page: Previous Policy Details

• Select the type of policy that was held by the client before on the Expiring Policy.
• Options include Bundled Policy, Third-party only, or Not Being Sure.
• Clicking on “Not Sure” will show the breaking policy for the vehicle inspection.

Note: For Motor Insurance vehicle inspection is required incase the previous policy is expired.

Client Details Page: Vehicle Policy Expiration Date

• Select the previous policy expiration date from highlighted calendar.
• If you don’t have the expiration date click on ”I don’t know the previous policy details” and proceed to Quote page.

Note: For Car Insurance vehicle inspection is mandatory if the previous policy is not available

Quote Page

• After entering the details, you will land on the quotes page. 
• Here, you'll see quotes from top insurance companies based on the client's vehicle details.
• Inside each policy card, you can view "Premium Details," "IDV Value",
• "Coverages," and "Premium Breakup."
• Select the required addons to add to your policies. The premium will adjust itself automatically based on the selected add-ons.
• These quotes can be shared with your respective clients.

• You can further filter quotes by selecting "IDV Range," "Comprehensive/Third Party," and "Exclude GST" in the filter bar above the policy cards.
• Click on any of the filters to view custom quotes as highlighted (described in the upcoming slides).
• Once you've found a quote you like, click the preferred quote button to proceed to the next step.

Quote Page : Addons

• On the left side, you can select Add-ons to view specific information about each add-on.
• The premium will adjust itself automatically based on the selected add-ons.
• These can also be selected and deselected basis RMs preference.
• In addition to add-ons, you can select accessories, discounts and deductibles, and additional covers.

Quote Page : GST

• To include the GST amount for the insurance plans, select the "GST" filter option.
• You can view the plan amount at your convenience by selecting the "Yes/No" option.
• Motor insurance GST falls in the 18% category.

Quote Page Filter : Sort

• To sort the Premium & IDV value from highest to lowest and lowest to highest, select the "Sort" filter option.

Quote Page : Update Vehicle Details

• To update the details regarding your vehicle, select the highlighted area and update the details as required. 
• Click on the "Update" button to save the changes.

Note: There is no need for you to go back and start the journey again you can update the fresh quotes from here.

Quote Page : Ownership Details

• To update the ownership of the vehicle, click on the Individual/Company icon in the highlighted area and update the details as per your need.

Note: Company owned vehicle is a vehicle owned or leased by a business. By definition, an individual does not own it. In some cases, employees use the vehicle for business purposes. Ultimately, the company handles maintenance and repairs. Plus, it also pays for insurance and manages relevant taxes.

Quote Page : Previous Policy Details

• To update the status for the policy type bought last year, click on the highlighted area.
• A popup will open; select the option "Third Party policy/Comprehensive/Not sure about policy" from the radio button available to update.
• Clicking on “Not Sure” will show the breaking policy for the vehicle inspection.

Quote Page : Registration Details

• To update the status of the vehicle registration details, click on "Registered On" as highlighted.
• Edit the details to update the changes. Click on the "Update" button to save the changes. 

Note: Your premium will be updated based on the changes.

Quote Page : No Claim Bonus (NCB) Details

• Click on the highlighted area to update the “No Claim Bonus (NCB) Value” status.
• Edit the details to update the changes. 
• Click on the "Apply" button to save the changes.

Quote Page Filter : Insured Declared Value(IDV)

• To update the status for Insured Declared Value (IDV), click on the highlighted area. 
• Select the IDV value from the available options. 
• Click on the "Apply" button to save the changes.

Note: Click on “Choose your own IDV” and enter IDV value in specified range.

Quote Page : Trace ID

• Trace ID is a unique code assigned to a unique Insurance ‘journey’. ANY  TIME a user tries to start creating a quote for any kind of insurance, it automatically generates and attaches this ‘Trace Id’ to this search, irrespective of whether the policy was finally bought or not. 
• Trace Id is the single MOST IMPORTANT piece of information that can help Operations team solve your queries or any issues faced on the online portal in the smoothest manner.

Quote Page : Share Quote - Select Insurer

• To share quotes using the share quotes option on the top right of the screen, select "Share Quote." 
• You can share all available quotes or custom single company quotes. 
• To proceed further click on basic details.

Quote Page : Share Quotes on Email & WhatsApp

• To share quotes in your respective Email ID, or WhatsApp, select the "Basic Details" tab.
• Click on the respective icons as highlighted to share them in your respective client Email ID or WhatsApp number.
• You can also add more than one email ID,mobile no (separated by comma) of your client if you wish to share the quotes.

Note: You can share communication across multiple channels in one go by clicking channel specific “icons” or by clicking “All” icon.

Quote Page : Email Notification

• The shared quotes will be sent to the respective client's Email ID.
• To continue, simply click on the "Buy Now" button in the email to continue the journey .

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : WhatsApp Notification

• The shared quotes will be sent to the respective client's WhatsApp number. 
• The message will include a link that redirects them to continue the journey.

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : Compare Quote Plans

• To compare the policies, tick the "Compare" checkbox as highlighted.
• A maximum of 3 Motor Insurance plans can be compared. Click on the "Compare" button to view the overall details of the selected plans as highlighted. 
• The details can be viewed on the next slide.

• The details of the selected plans are described in an easy-to-understand manner. 
• These details include Insurer's USP, Premium breakup.

• The details includes Addons details, Accessories, Additional covers, Discounts/Deductibles etc.

Note: Here you can share only selected USPs of the quote as well.

Quote Page : PDF Download

• The PDF icon allows you to download your policy as a PDF.
• Click on the icon to download the file to your local system.
• Once downloaded, click the "Buy Now" icon to proceed to the proposal page.

• This is a PDF file of the selected policy which can be shared with the respective client.
• The client can proceed further by clicking on “Buy Now” button.

Note: Downloading the PDF is optional

Proposal Page : Vehicle Owner Details

• You'll be directed to the proposal page when you click on the "Buy Now" option. 
• Please enter the complete details of the vehicle owner. 
• Please note that fields marked with a * are mandatory. 
• You can also view your vehicle details and premium breakup in the side section. 
• Use the "Share Proposal" option in the top left corner to share your proposal with your customer. 
• To proceed to the next step, click "Proceed to Nominee Details."

Proposal Page (With CKYC Number)

• Enter your CKYC number, upload your photo (in jpeg, jpg or bmp format only), and enter your remaining details as per the proposal form. 
• Then, click "Proceed to Nominee Details" to proceed to the next step.

IMPORTANT: Where to find your CKYC number: If you are KYC verified and already aware of this, please look for an email from CVLKRA (ckyc@ckycindia.in) that would contain your CKYC number, with Subject line: CKYC Number Notification or if you are unsure of your KYC status, please follow the steps to check:

1. Visit the web portal (www.karvykra.com or www.cvlkra.com)
2. Enter your PAN and CAPTCHA code
3. Your CKYC status along with details will be displayed


In case you are not KYC verified please follow the steps given in module CKYC Verification Process

Proposal Page (Without CKYC Number)

• Select any one of the following CKYC Types: PAN, Driving License Number, Voter ID number, Passport number)
• Enter Number as per selected CKYC Type)
• Upload Photo (jpeg,jpg or bmp format only)
• Enter PAN (optional)
• Enter remaining details as per Proposal form

CKYC Verification Process

• Enter your client's mobile number, email id, and date of birth. 
• Accept the Terms & Conditions by clicking on the checkbox as highlighted. 
• Then, click on the "Continue" button to verify your CKYC details through Go Digit platform.

Note: Insurance CKYC journey are covered separately on Qlik2learn for every IC.

CKYC Verification Status

• If the relevant uploaded documents related to the clients do not match, CKYC verification will be pending.
• If the relevant uploaded documents related to the clients are verified, KYC verification will be completed.
• Click "Proceed", as highlighted, to move to the next step.

Successful KYC Verification

• For a successful KYC verification through the document upload process, follow the below steps:
• Select the type of document to upload through Aadhar and PAN verification, and upload the relevant document.
• Accept the "Terms & Conditions" by clicking the highlighted checkbox.
• Click on "Validate" to verify the uploaded document.
• On successful KYC verification, a popup will come with the message "KYC Verification successful."

Proposal Page : Confirmed Required

• Confirmation is required in order to proceed to the payment page. 
• The confirmation includes details such as the date from which the policy will start and the total premium payable. Click on "Proceed to Payment" to proceed to the next steps.
• The details can also be shared with the client via email and WhatsApp.

Proposal Page : Nominee & Vehicle Details

• Enter the nominee details of the vehicle owner. 
• Please note that fields marked with a * are mandatory. 
• Click "Proceed to Vehicle Details" to move to the next tab. 
• Enter complete details of the vehicle. Please note that fields marked with a * are mandatory. 
• Click "Proceed to Policy Details" to proceed to the next step.

Proposal Page : Previous Policy Details

• Enter the previous policy details of the vehicle. 
• Please note that fields marked with a * are mandatory. 
• Click on "Proceed" to proceed to the next step.

Proposal Page : Review & Submit

• Verify that all the details entered related to the respective client are correct. 
• Consent to the Terms & Conditions. 
• Once all the details are entered, click "Review & Submit" to proceed to the payment section.

Payment Page

• You can choose from various payment options such as Credit Card, Debit Card, net banking, and more to pay for your motor insurance.
• Simply select the payment mode that suits you best and enter all the relevant details. 
• Then click the "Pay" button to be redirected to the merchant's site for a successful transaction.

Note: This screenshot is related to Digit Insurance payment page. Since all payments are made at Insurance Company or IC’s end, the payment page may vary from IC to IC.

Successful Policy Issued

• Once your payment is successful, you can view your policy number for the selected motor insurance policy.

Escalation Matrix - for Help & Support

Term Insurance

Login Page

• To access the partner site, go to https://partner.bajajcapitalinsurance.com/.
• Choose to login as a Relationship Manager or POS, whichever applies to you.
• Use your Wealthmaker Username and Password to log in.
• If you forgot your password, click on "Forgot Password?" to reset it. You'll be redirected to the Wealthmaker portal for this.

Note: The entire journey is mobile friendly as well.

Dashboard

• Once you've logged in, you'll arrive at the dashboard screen.
• Click "Sell Now" to start selling insurance policies.

• To buy your client's term insurance policy, click "Term Insurance".

Dashboard : Business Code Capturing

• If you choose to complete this step, enter the code type that corresponds with your channel. 
• For example, ANG RM should select "Sub-broker", Branches & LAP should select "Business Code," and IPC can choose "Guest code" (optional). 
• Then, enter the respective code.

Note: This step is optional. Click the blue "Skip" button to proceed.

Clients Detail Page: Basic Details

• In the client details page, select the client's gender.
• Choose whether the client is a smoker or non-smoker.
• Enter the client's date of birth.
• Click on "Get Started" to proceed to the next steps.

Client Details Page : Professional Details

• Select the client's occupation, education, and annual income from the dropdown.
• Click on "Continue" to proceed to the next steps.

Client Details Page: Personal Details

• Enter the client's full name, email id, and mobile number.
• Click on "View quotes" to proceed to the Quote page.

Note: Entering the correct contact details will help you share quotes, proposals, or even policies with your client via email, SMS, or WhatsApp.

Quote Page

• On this page, you'll find quotes from various insurance companies based on the client details you've entered.
• The Quote page displays all available policies for the entered details.
• You can click on the filters to view custom quotes described in the following slides.

Quote Page : CRN/Trace ID

• Trace ID is a unique code assigned to a unique Insurance ‘journey’. ANY  TIME a user tries to start creating a quote for any kind of insurance, it automatically generates and attaches this ‘Trace Id’ to this search, irrespective of whether the policy was finally bought or not. 
• Trace Id is the single MOST IMPORTANT piece of information that can help Operations team solve your queries or any issues faced on the online portal in the smoothest manner.

Quote Page : Know Your Plan

• Click on "Know Your Plan" if you want to know the complete details of the selected insurance plan.
• The details can be viewed on the next slide.

• Click on the highlighted tabs for more details regarding the selected insurance plan.
• You can view plan details, add-on coverages, additional features, the claim process, and about the insurance company.
• You can also download the product brochure and claim form, which are highlighted.
• Click on "Proceed to Buy" to buy the selected insurance plan.

Quote Page Filter: Insurance Company

• If you want details corresponding to your preferred insurer, select the "Insurance Company" filter.
• Choose the available insurer provider from the list.
• Click on the "Update" button to view the details per your selected insurer.

Quote Page Filter: Basic Life Cover

• Select the "Basic Life Cover" filter option to choose the basic cover for your client from the available option.
• Choose the option from the list for eg.  Return of Premium, Survival Benefit, Increasing Cover, or Reducing Cover, to view related quotes.

Quote Page Filter: Life Cover

• Select the "Life Cover" filter option as to how your client want plans with a specific coverage amount.
• You can also enter the desired Life cover amount in the custom input to apply the filter.

Quote Page Filter: Cover Till Age

• Select the "Cover Till Age" filter to set a maximum age limit for coverage, beyond which the policy will no longer provide benefits.
• This filter is an important consideration when selecting a policy, as it impacts the duration of coverage and premium payments.

Quote Page Filter: Pay Till Age

• Select "Pay till age" filter option to set  the maximum age up to which an individual is required to pay premiums for the policy. This means that the insured person will only be required to pay premiums until they reach a certain age, after which the premiums will stop.
• Additionally there is option to “Pay Once” ( highlighted in the screen shot)  also for the single pay.

Quote Page Filter: Pay

• Select “Pay” filter option as to how your client wants to pay for the selected plans, eg. yearly, half-yearly, quarterly, or monthly etc.

Quote Page: Edit Client Details

• If you need to update your client's details, simply click the "Edit" button. There’s no need to go back in the process to fill out the form again
• Once you have made the necessary changes, click the "Confirm" button to save the updated details.

Quote Page Filter: Lumpsum

• To choose how you want to receive the maturity amount from the insurance company, select the "Lumpsum" filter option. 
• Depending on your preference, you can choose from lumpsum, income, or a combination of both.

Quote Page Filter: Sorting Plans

• Use the "Sorting Plans by" filter option to sort the insurance plans by price. 
• You can choose to sort the plans from low to high, high to low, or by claim ratio.

Quote Page : Shortlisting Plans

• To save a plan for future reference, click the highlighted icon to shortlist it.
• The shortlisted plans can be viewed on the right-hand side of the browser.
• Click "View Shortlisted Plans" to view only the shortlisted plans in detail.

• Click on "Show Addons" to view additional details about the plans.
• Select the checkboxes next to the add-ons you want to include with the selected plans.

Quote Page : Share Plans

• To share quotes with your clients via email or WhatsApp, use the "Share Quote" option available on the top right side of the screen. 
• Select "Share All Quotes" to share all the available quotes or "Share Selected Quotes Only" to share only the selected quotes.

• Share quotes to your respective clients in their SMS, Email & WhatsApp using “Share” option available on right side of the screen

Note: You can share communication across multiple channels by clicking medium-specific “Share” buttons.

• In case only the specific quotes needs to be shared to the client, select the required quotes & click the checkbox to select the insurance provider.
• Click on “Next” button to move to the share quote page
• Share quotes to your clients in their Email & WhatsApp using “Share” option available on right side of the screen.

Quote Page : Email Notification

• The shared quotes will be sent to your client's email address. 
• The client can click on “Click Here” as highlighted that redirects them  to continue the journey.

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : WhatsApp Notification

• The shared quotes will be sent to the respective client's WhatsApp number. 
• The message will include a link that redirects them to continue the journey.

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : Compare Quote Plans

• To compare term insurance plans, select the "Compare Plan" checkbox.
• You can compare up to three plans at once. 
• Click the "Compare Now" button to view the details of the selected plans on the next slide.
• You'll find easy-to-understand information about each plan's details and key benefits.

• The complete details of the selected plans comparison are being listed.
• The details includes Plans details, Key benefits.

• The complete details of the selected plans comparison are being listed.
• The details includes Plan type, Premium payment options.

• The complete details of the selected plans comparison are being listed.
• The details includes Plan benefits, Insurer details.

Note: Hover over the tooltip icon to view more details about each feature.

• The complete details of the selected plans comparison are being listed.
• The details includes Selected details.
• Click on "Show Only Selected" to view only the selected features.

Quote Page : PDF Download

• To download the quote comparison in a PDF format, click on the "Download" option highlighted on the page.
• The PDF will be saved to your local system for future reference.
• Under product comparison click “Show difference” button to view differentiated features of selected ICs.

Quote Page : Client Details

• Review the client’s address and enter their Pincode to fetch the State and City details. 
• Click “Next” to move to the client’s professional details.

• Review the client ‘s professional details.
• Click “Next” button to move to client basic details.

• Review the client basic details.
• Click on “Next” button to move to Proposal page.

Quote Page : Addons

• To add benefits, click “Added Features” and choose the Add-on benefits with the selected policy. 
• Click “Continue to Buy” to proceed to the proposal page.

Proposal Page : Proposer Basic Details

• Enter the client’s details for which the Life Insurance policy needs to be purchased.
• You can view the Plans details, Premium details, and Inbuilt benefits in the side section.
• Use the “Share Proposal” option in the top right corner to share the proposal with the customer.
• Click “Proceed to FATCA Details” to proceed to the next step.

Proposal Page : Proposer FATCA Details

• To check and verify FATCA details for your respective clients, select the option “Yes” or “No” if your client is a tax resident of only India.
• Select the PAN Issuing Country and enter the PAN No.
• Select “Yes” or “No” if the client is born in India.
• Accept the terms and conditions, and select the client’s Nationality and Resident status.
• Then, “Click to generate BI and Proceed” (BI = Benefit Illustration) to proceed to the next step.

Proposal Page : Proposer Occupation Details

• Select the option “Yes” or “No” if the client is engaged in any of the mentioned industries.
• Select the Organization Name and Type from the dropdown available for your respective client.
• Review the other details, and click “Proceed to Other Insurance Details” to proceed to the next step.

Proposal Page : Other Insurance Details

• Select “Yes” or “No” if your client holds any Life Insurance Policy.
• If you select “Yes”, select the Company Name and Decision from the dropdown option available.
• Enter the “Life Cover/Sum Assured” amount, and click “Add” if the client holds more than one Life Insurance policy.
• Then, click “Proceed to Nominee Details” to proceed to the next step.

Proposal Page : Nominee Details

• Enter the client’s Nominee details, such as the Nominee’s First Name, Last Name, Date of Birth, and Nominee Share.
• Select the Gender and Relationship with Life Assured from the dropdown options available.
• Then, click “Proceed to Insured Basic Identification Details” to proceed to the next step.

Proposal Page : Insured Basic Identification Details

• Review the PAN no of the respective client. Select “Yes” or “No” if the client has an Electronic Insurance Account.
• Select the preferred Insurance repository to open EIA from the dropdown option available.
• Then, click “Proceed to Medical Details 1” to proceed to the next step

Note: e-Insurance Account (eIA) is the portfolio of insurance policies of a proposer/policyholder held in an electronic form with an insurance repository. Click Here to Learn More.

Proposal Page : Medical Details 1

• Select the height and weight on behalf of the client details from the available dropdown.
• Select “Yes” or “No” on behalf of the client if he/she has ever consumed tobacco, alcohol, or narcotics.
• Then, click “Proceed to Medical Details 2” to proceed to the next step.

Proposal Page : Medical Details 2

• Answer Yes or No to indicate the client's medical details.
• Click "Proceed to Medical Details 3" to continue.

Proposal Page : Medical Details 3

• Answer “Yes” or “No” to indicate the client's medical details.
• Click "Proceed to Medical Details 4" to continue.

Proposal Page : Medical Details 4

• Answer Yes or No to indicate the client's medical details.
• Choose the relevant option from the list regarding the client's medical history.
• Click "Proceed to Criminal Background" to continue.

Proposal Page : Criminal Background

• The client must consent to a criminal background check, if applicable.
• Click "Proceed to KYC Document Form" to continue.

Proposal Page : KYC Document Form

• Enter the CKYC details on behalf of the client.
• Indicate Yes or No to confirm if the client has submitted a photo.
• Select the client's proof of age, address, income, and ID from the dropdown menu.
• Click "Proceed to Advisor Confidentiality Report" to proceed to the next step.

Note: This KYC form is IC-specific; exact steps for KYC for each IC to be shared separately

Proposal Page : Advisor Confidentiality Report

• Complete E-ACR by filling in the relevant information.
• The form is filled by RM to eliminate fraud or any misuse and declared to insurance company by the seller (and not the client)

Note: The questions on this form may vary depending on the insurance company.

• Select Yes or No for the client's health details.

• Complete the Advisor Confidentiality Report based on the provided details.
• Check the box to accept the “Terms & Conditions.”
• Enter the date and place.
• Click "Proceed to Final Submit" to continue.

Proposal Page : Accept Terms & Conditions

• The client must consent to the Terms & Conditions and click "Submit" to proceed to payment.

Payment Gateway

• Click the payment link to redirect to the insurance company's Payment Gateway.
• Select the source of funds from the available options.
• Choose from multiple payment options, such as credit cards, net banking, or debit cards.

Note: This screenshot is related to ICICI Prudential Life Insurance payment page. Since all payments are made at Insurance Company or IC’s end, the payment page may vary from IC to IC.

Policy Page: Physical health check-up

• In this case the policy requires the client to undergo a physical health check-up in case of pre-existing medical conditions or tobacco usage etc.
• Vital parameters of the clients are checked at IC’s  end based on the details provided by the client.
• Click "OK" to continue.

Note: Different IC’s have different processes set up for health check-up. On your partner portal, you can go to ‘NSTP cases’ tab to check status of such cases.

Document Upload

• In ICs like ICICI Pru in this case, you need to upload the relevant documents for the health check-up.
• After successful verification, the policy will be issued.

Escalation Matrix - for Help & Support

Endowment Insurance

Login Page

• To access the partner site, go to https://partner.bajajcapitalinsurance.com/ .
• Choose to login as a Relationship Manager or POS, whichever applies to you.
• Use your Wealthmaker Username and Password to log in.
• If you forgot your password, click on "Forgot Password?" to reset it. You'll be redirected to the Wealthmaker portal for this.

Note: The entire journey is mobile friendly as well.

Dashboard

• Once you've logged in, you'll arrive at the dashboard screen.
• Click "Sell Now" to start selling insurance policies.

• To buy your client's term insurance policy, click "Endowment  Insurance".

Dashboard : Business Code Capturing

• If you choose to complete this step, enter the code type that corresponds with your channel.
• For example, ANG RM should select "Sub-broker", Branches & LAP should select "Business Code," and IPC can choose "Guest code" (optional).
• Then, enter the respective code.

Note: This step is optional. Click the blue "Skip" button to proceed.

Clients Detail Page: Basic Details

• In the details page, select your client's gender and whether they are smokers or non-smokers.
• Enter the client's date of birth and annual household income.
• Click "Get Started" to move to the next page.

Note: Currently we are LIVE with two Endowment plans  - ICICI (Guaranteed Income for Tomorrow & Guaranteed Income for Tomorrow - Long Term plan). We will you keep posted as we make more plans LIVE.

• Select your client's occupation and education from the drop-down menu.
• Enter your client's PIN code.
• Click "Continue" to move to the next page.

• Select your client's risk profile, life stage, and financial and family goals from the drop-down menu.
• Choose your client's risk profile, like "Conservative," "Risk Averse," "Balance," "Growth," or "Aggressive," from the available options in the drop-down menu.
• Click on ‘Continue’ to proceed to the next steps.

• Enter the client's full name, email address, and mobile number on this page.
• Click "View Quotes" to move to the Quote page.

Note: Entering the correct contact details will help you share quotes, proposals, or even policies with your client via email, SMS, or WhatsApp.

Quote Page

• On this page, you will find quotes from insurance companies based on the client's details you entered.
• The quoted page shows all the available policies related to the entered details.
• In the policy card, you can view premium details, payment terms, returns, etc.
• Above the policy cards, you can use the filter bar to select the investment amount, policy term, premium payment term, and payment frequency.

Quote Page : CRN/Trace ID

• Trace ID is a unique code assigned to a unique Insurance ‘journey’. ANY  TIME a user tries to start creating a quote for any kind of insurance, it automatically generates and attaches this ‘Trace Id’ to this search, irrespective of whether the policy was finally bought or not. 
• Trace Id is the single MOST IMPORTANT piece of information that can help Operations team solve your queries or any issues faced on the online portal in the smoothest manner.

Quote Page Filter : Get Money As

• In the "Get Money As" filter, choose how your client would like to receive the amount on maturity.
• Select "Lumpsum," "Income," or "Lumpsum+Income" from the drop-down menu.

Quote Page Filter : Invested Amt

• "Invested amount" is the money the customer wants to invest in the plan.
• The investment amount can vary widely depending on the size and scope of the endowment.

Quote Page Filter : Invest For

• Select "Invest for” filter option to choose the number of years the client wants to invest the sum for.
• Choose the required year from the drop-down menu.

Quote Page Filter : Income For

• Select the “Income For”  filter option to choose the required time horizon for which the client would receive the maturity amount.
• Choose the required year from the drop-down menu.

Quote Page Filter : Pay

• Select the "Pay" filter option to indicate how the client wants to pay for the selected plans, including yearly, half-yearly, quarterly, or monthly.

Quote Page : Edit Client’s Details

• If you need to update the client's details, click the "Edit" button.
• Edit the client's details and click the "Confirm" button to update.

Quote Page : Shortlisted Plans

• Click on the highlighted icon to shortlist the plans for future reference.
• The shortlisted plans can be viewed on the right-hand side of the browser.
• Click on "View All" to view only the shortlisted plans
• The details can be viewed in the next slide.

• The details of the only shortlisted quotes can be viewed.
• Click “Go Back to quotes” to move back to the quote page

Quote Page : Share Plans

• To share quotes with your clients via email or WhatsApp, use the "Share Quote" option available on the top right side of the screen. 
• Select "Share All Quotes" to share all the available quotes or "Share Selected Quotes Only" to share only the selected quotes.

• Share quotes to your respective clients in their Email & WhatsApp using “Share” option available on right side of the screen

Note: You can share communication across multiple channels by clicking medium-specific “Share” buttons.

• In case only the specific quotes needs to be shared to the client, select the required quotes & click the checkbox to select the insurance provider.
• Click on “Next” button to move to the share quote page
• Share quotes to your clients in their Email & WhatsApp using “Share” option available on right side of the screen.

Quote Page : Email Notification

• The shared quotes will be sent to your client's email address. 
• The client can click on “Click Here” as highlighted that redirects them  to continue the journey.

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : WhatsApp Notification

• The shared quotes will be sent to the respective client's WhatsApp number. 
• The message will include a link that redirects them to continue the journey.

Note: The validity of the policy information on the shared link is limited to 24 hrs.

Quote Page : Compare Quote Plans

• To compare term insurance plans, select the "Compare Plan" checkbox.
• You can compare up to three plans at once. 
• Click the "Compare Now" button to view the details of the selected plans on the next slide.
• You'll find easy-to-understand information about each plan's details and key benefits.

Quote Page : Benefit Timeline

• To view the Benefit Timeline, click the “Get Details” button.
• The Benefit Timeline shows the invested amount, maturity amount, plan details, additional benefits, add-on coverages, and information about the company.
• You can also download the “Brochure” and “Benefit Illustration” by clicking the highlighted buttons. The investment amount with GST is shown at the bottom. Click on “Proceed to Buy” to move to the next steps.

Quote Page : Addons

• Select the preferred “Add-on Benefits” based on your client’s requirements. 
• Then, click on “Continue to Buy” to move to the proposer page.

Proposal Page : Proposer Basic Details

• Enter the client’s details for which the Life Insurance policy needs to be purchased.
• You can view the Plans details, Premium details, and Inbuilt benefits in the side section.
• Use the “Share Proposal” option in the top left corner to share the proposal with the customer.
• Click “Proceed to FATCA Details” to proceed to the next step.

Proposal Page : Proposer FATCA Details

• To check and verify FATCA details for your respective client, select the option “Yes” or “No” if your client is a tax resident of only India. 
• Select the PAN Issuing Country and enter the PAN No.
• Select “Yes” or “No” if the client is born in India. 
• Accept the terms and conditions, and select the client’s Nationality and residence status.
• Then, “Click to generate BI and Proceed” (BI = Benefit Illustration) to proceed to the next step.

Proposal Page : Proposer Occupation Details

• Select the option “Yes” or “No” if the client is engaged in any of the mentioned industries. 
• Select the Organization Name and Type from the dropdown available for your respective client.
• Review the other details, and click “Proceed to Other Insurance Details” to proceed to the next step.

Proposal Page : Other Insurance Details

• Select the option “Yes” or “No” if your client holds any Life Insurance Policy.
• If you select “Yes”, select the Company Name and Decision from the dropdown option available.
• Enter the “Life Cover/Sum Assured” amount, and click “Add” if the client holds more than one Life Insurance policy.
• Then, click “Proceed to Nominee Details” to proceed to the next step.

Proposal Page : Nominee Details

• Enter the client’s Nominee details, such as the Nominee’s First Name, Last Name, Date of Birth, and Nominee Share.
• Select the Gender and Relationship with Life Assured from the dropdown options available.
• Then, click “Proceed to Insured Basic Identification Details” to proceed to the next step

Proposal Page : Insured Basic Identification Details 

• Review the PAN no of the respective client. Select “Yes” or “No” if the client has an Electronic Insurance Account.
• Select the preferred Insurance repository to open EIA from the dropdown option available.
• Then, click “Proceed to Medical Details 1” to proceed to the next step

Proposal Page : Medical Details 1

• Select the height and weight on behalf of the client details from the available dropdown.
• Select “Yes” or “No” on behalf of the client if they has ever consumed tobacco, alcohol, or narcotics.
• Then, click “Proceed to Medical Details 2” to proceed to the next step.

Proposal Page : Medical Details 2

• Answer Yes or No to indicate the client's medical details.
• Click "Proceed to Medical Details 3" to continue.

Proposal Page : Medical Details 3

• Answer “Yes” or “No” to indicate the client's medical details.
• Click "Proceed to Medical Details 4" to continue.

Proposal Page : Medical Details 4

• Answer Yes or No to indicate the client's medical details.
• Choose the relevant option from the list regarding the client's medical history.
• Click "Proceed to Criminal Background" to continue.

Proposal Page : Criminal Background

• The client must consent to a criminal background check, if applicable.
• Click "Proceed to KYC Document Form" to continue.

Proposal Page : KYC Document Form

• Enter the CKYC details on behalf of the client.
• Indicate Yes or No to confirm if the client has submitted a photo.
• Select the client's proof of age, address, income, and ID from the dropdown menu.
• Click "Proceed to Advisor Confidentiality Report" to proceed to the next step.

Note: This KYC form is IC-specific; exact steps for KYC for each IC to be shared separately

Proposal Page : Advisor Confidentiality Report

• Complete E-ACR by filling in the relevant information.
• The form is filled by RM to eliminate fraud or any misuse and declared to insurance company by the seller (and not the client)

Note: The questions on this form may vary depending on the insurance company.

• Select Yes or No for the client's health details.

• Complete the Advisor Confidentiality Report based on the provided details.
• Check the box to accept the “Terms & Conditions.”
• Enter the date and place.
• Click "Proceed to Final Submit" to continue.

Proposal Page : Accept Terms & Conditions

• The client must consent to the Terms & Conditions and click "Submit" to proceed to payment.

Payment Gateway

• Click the payment link to redirect to the insurance company's Payment Gateway.
• Select the source of funds from the available options.
• Choose from multiple payment options, such as credit cards, net banking, or debit cards.

Note: This screenshot is related to ICICI Prudential Life Insurance payment page. Since all payments are made at Insurance Company or IC’s end, the payment page may vary from IC to IC.

Download / Share Policy Copy

• Once payment is done ,a thank you page will be displayed.
• Post payment documents need to be uploaded. 
• To upload documents, click on “Upload now”.

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