iGini

Automate underwriting

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 Generated1,23,456 11.23%

Policies Auto Issued23,457 11.23%

Intermediaries Served12,345 11.23%

Quoted

12,235 Cr

1,23,456 Proposals

Converted

2,345 Cr

23,456 Proposals

Win Rate

19.00%

+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.

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.