Imds — Assurance Intelligence
iGini

Machine underwriting · Commercial lines

Instant accurate quotes. For the complex commercial lines business.

Empower your distribution channels with instant and accurate quotes. Commercial Lines Machine Underwriting Platform — built for speed, consistency and intelligent underwriting across complex commercial lines products.

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Underwriters

Real-time underwriting intelligence

Live

84.5%

Auto Issued

+ 7.2% MoM
Quotes Generated86,400 12.8%
Policies Auto Issued14,602 9.6%
Intermediaries Served1,842 6.4%

Quoted

8,640 Cr

86,400 Proposals

Converted

1,728 Cr

17,280 Proposals

Win Rate

20.00%

+2.3% MoM

Machine Underwritten
NP NOP
Q1Q2Q3Q4Q5
The Shift

From manual underwriting to machine underwriting

As commercial insurance portfolios become larger and more complex, manual underwriting systems and product-specific processes make it increasingly difficult to deliver speed, consistency and governance. iGini replaces manual underwriting with a collaborative, intelligent operating platform.

Traditional Underwriting
With iGini

Manual risk assessment for every submission

Machine underwriting with configurable business rules

Multiple off-line tools for quoting, underwriting and policy issuance

Unified underwriting workflow from quote to policy to treaty cessions

Inconsistent underwriting decisions across branches

Standardised underwriting logic across the organisation

Lengthy quote turnaround times

Instant quote generation and policy issuance

Limited visibility into business performance

Real-time sales and risk funnel visibility

Difficult to launch new commercial products

Rapid product configuration and faster go-to-market

The Cost

The cost of manual underwriting

Manual underwriting doesn't just slow operations — it impacts profitability. As business volumes grow, insurers witness systemic bottlenecks, inconsistent decisions and slower business growth.

Slower Quote Turnaround

Longer underwriting cycles frustrate customers and impact distribution teams motivation.

Lower Underwriter Productivity

Experienced underwriters spend valuable time on repetitive administrative tasks instead of focusing on high-value and complex risks.

Inconsistent Risk Decisions

Different teams interpret underwriting guidelines differently, creating variation in pricing and risk acceptance.

Compliance & Audit Risk

Manual approvals and disconnected processes make audit trails, governance and regulatory compliance difficult.

Limited Business Scalability

Expanding in new geographies or distribution channels and handling higher business volumes increases operational efforts and cost disproportionately rather than improving profitability.

Slower Time-to-Market

Bringing new insurance products to market or responding to changing business needs takes longer due to legacy systems can significantly dent the market share.

Structured Underwriting

How iGini enables intelligent underwriting

iGini embeds underwriting philosopy, rating logic, workflow controls and exception handling within a structured digital framework. Every underwriting decision becomes faster, more consistent and fully traceable — while giving leadership complete visibility across the sales and underwriting lifecycle.

  • Instant Risk EvaluationInstant quote or referral determination basis the product rules configuration.
  • Referral IntelligenceConfigurable delegation of authority based escalations.
  • Rating EngineAccurate calculation of premium for every risk with discounting guardrails.
  • Quote EngineShare well-structured quotes/QCRs with relevant wordings, premium & payment links.
  • Payment ManagementS2S payment gateway integrations with positive/negative scenario handling.
  • Policy EngineIssues well-structured policies with comprehensive wordings and annexures.
  • Communication EngineNotifies every stakeholder at the relevant events via SMS/WhatsApp/Email.
  • Data HandoffHands over the policy data to the core or the other middleware as desired.
  • Complete Audit TrailEvery decision, override and approval is fully traceable.

  • RFQ submitted

  • Authorised to quote?

    Decision
    Yescontinue below
    No
    Refer to underwriter for review

  • Quote issued

  • Quote won?

    Decision
    Yescontinue below
    No
    Archived for next renewal

  • Authorised to issue?

    Decision
    Yescontinue below
    No
    Sent to Ops QC review

  • Policy issued

  • Handover to core application

Capabilities

Core functional capabilities

iGini combines machine underwriting, configurable business rules, workflow automation and enterprise collaboration into one intelligent platform.

Rating & Policy Engine

Instantly generates accurate quotes and policies using embedded machine underwriting capabilities, while automatically calculating PML and RI Treaty Cessions wherever applicable.

Product Configurator

Configure insurance products, underwriting rules and operational parameters through a flexible product configuration engine, enabling faster deployment of new products.

Multiple User Interfaces

Support Sales, Intermediaries, Underwriters and Operations through dedicated role-based interfaces, enabling seamless collaboration across the underwriting lifecycle.

Communication Engine

Notifies customers, intermediaries and internal teams through automated SMS and email communication triggered at key business events.

Payment Management

Enable integrated premium collection, payment validation, reconciliation and policy issuance through connected payment workflows.

Hierarchical Data Access

Ensure secure access to business information through configurable role-based permissions, hierarchical data visibility and robust organisational governance.

Key Outcomes

Outcomes that compound as you scale

Faster Quote Turnaround

Accelerate underwriting decisions through intelligent automation and structured workflows.

Consistent Underwriting Decisions

Standardise underwriting practices across teams, branches and commercial lines products.

Higher Underwriter Productivity

Reduce manual effort so underwriting teams can focus on evaluating complex risks.

Stronger Governance & Compliance

Embed approvals, authority matrices and audit trails into every underwriting decision.

Scalable Commercial Underwriting

Launch new products and handle increasing business volumes without adding operational complexity.

Greater Product Agility

Configure new insurance products, pricing logic and underwriting rules quickly, enabling faster time-to-market and business responsiveness.

Flagship Case Study

Enterprise validation in a brownfield insurer

How iGini delivered industry-first commercial lines underwriting automation with a leading general insurer.

Commercial Lines Underwriting

iGini: Industry-First Commercial Lines Underwriting Automation

Bharti AXA General Insurance

Enterprise validation with Bharti AXA General Insurance in a brownfield insurer environment — automating SFSP and GHI underwriting, introducing workflow-led governance and integrating with existing systems rather than replacing them.

Business Outcomes

  • Quote turnaround: 3–4 days → up to 4 hours for automated cases
  • ~60% reduction in manual underwriting effort
  • ~80% reduction in duplicate data entry
  • ~2× underwriter productivity
  • ~50% estimated 5-year capex reduction
FAQs

Frequently asked questions

Everything you need to know about how iGini automates underwriting, integrates with your systems and scales with your insurance business.

Insurance underwriting software helps insurers digitise, standardise and automate the underwriting lifecycle—from quote creation and risk assessment to approvals, policy issuance and audit trails. Modern underwriting platforms improve turnaround time, governance and decision consistency.

iGini is a domain-driven insurance underwriting and workflow platform developed by Imds. It enables insurers to automate commercial lines’ business underwriting, digitise workflows, integrate with existing core systems and gain real-time operational visibility.

iGini is designed for general insurers, health insurers and specialised insurance businesses looking to modernise underwriting, improve collaboration and accelerate digital transformation without replacing existing core systems.

iGini is built on deep insurance domain knowledge rather than generic workflow applications. Its architecture reflects real underwriting processes, insurance governance and operational collaboration.

An insurance workflow platform orchestrates activities across sales, underwriting, operations and leadership, ensuring every case follows a controlled and auditable process.

By automating premium calculations, underwriting rules, validations, workflows and approvals, iGini significantly reduces manual effort and enables much faster quote processing for eligible risks.

No. iGini augments underwriters by automating repetitive decisions, routing referrals intelligently and providing structured information for better decision-making.

The platform supports multiple commercial insurance products through configurable workflows and rating capabilities, allowing insurers to expand product automation over time.

Modern underwriting improves customer experience, operational efficiency, governance, analytics and speed to market while enabling profitable growth.

Yes. iGini is designed for brownfield environments and integrates with existing policy administration systems, HRMS, payment gateways, communication platforms and other enterprise applications through secure APIs.

Brownfield transformation modernises insurance operations by integrating with existing technology rather than replacing it. This approach reduces risk, lowers implementation cost and preserves previous technology investments.

A configurable platform enables insurers to update products, rules, workflows and communications with minimal technical effort, improving agility and reducing dependence on software development.

Yes. The platform supports integrations with payment gateways, communication services, mapping services, KYC providers and other enterprise systems as required.

Role-based access, configurable authority matrices, audit trails and workflow-driven approvals ensure consistent underwriting decisions and organisational accountability.

A shared workflow, real-time case visibility, structured referrals and contextual communication eliminate email-driven coordination and improve productivity.

The platform supports role-based access control, controlled visibility, auditability and hierarchy-based permissions, helping organisations reduce the risk of unauthorised data access.

Yes. The platform provides dashboards and operational insights into sales, underwriting and business performance, helping leadership make faster, data-driven decisions. iGini also has pre-built data dashboarding connectors for using business intelligence tools such as Power BI etc.

Yes. Its modular, integration-ready architecture allows insurers to start with selected products or processes and expand progressively.

Yes. iGini is designed to accelerate insurance digital transformation by combining domain-driven workflows, enterprise integration and configurable business rules.

Imds is a product-led InsurTech company focused exclusively on insurance. Its products are built from deep domain understanding to solve structural industry challenges rather than delivering bespoke software projects. Imds onboards as a strategic business partner and aligns its cost with business outcomes and not with the technical ‘deliverables’ and ‘change requests’.
Still have questions? Talk to us

Ready to transform your commercial lines underwriting practices?

Discover how iGini helps insurers reduce turnaround time, strengthen governance and scale commercial lines underwriting without added complexity.

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