Every policy. Every renewal. Every claim. Never forgotten.
The CRM built for Indian POSPs, insurance agents and small broking firms — the ones running an entire renewal book on a shared Excel sheet and a renewal reminder in somebody's head. Track every policy you've ever issued, every renewal due date, every claim in progress, and every cross-sell opportunity across every insurer you work with. One book, one screen, one pipeline.
Health · Motor · Term Life · Home · Travel · Group & Commercial
Four weeks every insurance agent has lived through. At least once.
Mrs Deshmukh’s motor policy expired on 14 April. You realised on 22 April when she called to say she’d renewed it through a cousin’s agent “because nobody called me.” Three years of renewal commission gone. The trail you’d already earned — just walked away.
Your renewal reminder sheet lived on one laptop. The laptop died last Thursday. Sixty policies are due in the next 30 days and the only backup is a three-month-old WhatsApp forward to yourself. The phone calls you're making now are the ones you should have made three weeks ago.
Your client's father was admitted last week. You didn't know because nobody told you. The family handled the cashless claim directly with the hospital TPA, didn't get it right, and are now paying out of pocket. They'll never buy from you again — and the neighbours heard the whole story.
You sold the Kumars a term plan in 2023. They had a baby in 2025. Nobody reminded you to follow up about a health top-up or a child plan. They bought both from a PolicyBazaar agent last month. That conversation should have been yours — and you had every piece of information needed to have it.
From first call to policy issued.
The enquiry you don't return in four hours goes to the agent who does. Insurance customers don't wait. They pick up the phone, they WhatsApp a second agent, and whoever calls back first wins a policy that lasts a decade. Capturing every enquiry fast enough to act on it is half of new business. The other half is making sure nothing falls out of the pipeline between “we'll think about it” and “we need it urgently.”
Every enquiry gets captured the same way — referral from an existing customer, walk-in to your office, WhatsApp forward from your network, lead from an aggregator. Assign it to an agent, tag the product, pick the insurers you'll be quoting, and move it through the pipeline.
- Separate pipelines per line of business — health, motor, life, general. Or combine them if your team sells across all categories.
- Quote comparison view — list the insurers you're pitching for this customer, log the quotes, and track which one the customer picked and why.
- Policy issuance stage that captures the policy number, sum insured, premium, inception and renewal date the moment you enter it — no separate data entry later.
- Source tracking so you know which channels actually produce closed policies, not just enquiries.
The renewal you miss is the one you'd already earned.
Every policy you've ever issued has a renewal date. Every renewal you miss is money you'd already earned — walking to a competitor. A five-year-old insurance book with 2,000 active policies means 40-50 renewals every single week, most of them in your head or in a sheet nobody has backed up. TatvaCRM turns your renewal book into a live pipeline with alerts, owner assignments, and a persistency ratio you can actually move.
- Automatic renewal calendar generated the moment a policy is issued — 30-day, 15-day, and day-of alerts, per policy, per agent.
- Overdue renewals glow orange on the dashboard and escalate up the team hierarchy if they don't move.
- Persistency ratio tracked live across your whole book, per line of business, per insurer — the metric insurance companies grade you on.
- WhatsApp renewal reminders to customers, automated and branded, so they never hear “nobody called me.”
Your renewal book IS your business.
An insurance agency isn't a group of people making new sales calls. It's a book of active policies that generate renewal commission year after year. Every policy on that book is worth 5-10 more years of commission. That book — not your office, not your team, not your brand — is the whole asset. So where is it stored? In a shared Excel file on one laptop?
You don't lose a sale. You lose a decade.
Miss one renewal and it's not just the commission you earned that year — it's the 7-10 years of future renewals that customer would have generated. The real cost of a missed renewal is 10x the first-year commission. TatvaCRM's calendar turns renewal tracking from a memory exercise into a database.
The book stays. Even when Rajesh doesn't.
When Rajesh resigns, his book — every customer he ever sold to, every renewal date, every claim note, every cross-sell prompt — stays in your firm. His replacement sees the full relationship history day one. The customer doesn't get a “who are you?” phone call six months later when their renewal is due.
The metric insurers grade you on.
Every insurance company tracks which agents have high persistency ratios and which don't. High-persistency agents get better commission slabs, priority servicing, and preferred product access. Low-persistency agents get quietly culled. A firm that can't see its own persistency live can't improve it — and can't negotiate its commission terms with the insurer.
A complaint clock you can actually answer.
IRDAI mandates specific response windows when a customer files a grievance — and tracks you on whether you met them. A firm on Excel can't produce a response timeline, can't show what was promised when, can't prove who handled what. A firm on TatvaCRM has every interaction logged against the customer and exportable as a trail. When the regulator or the insurer's compliance team asks, you have an answer — not a scramble.
Be there when the claim happens. Sell the next policy automatically.
When a claim happens, the customer remembers who helped them. When the claim is handled badly, the customer remembers that too — and tells the neighbours. A claim is the moment the next policy gets sold or gets lost. And the customer's life events — a baby, a new car, a house upgrade, an ageing parent — are the obvious cross-sell prompts, if only someone was tracking them.
- Claims tracker — every intimated claim stays visible until it's settled. Hospitalisation, TPA coordination, document pendency, settlement date, all in one place.
- Customer relationship view — every policy issued to a family, every claim filed, every renewal done or missed, every cross-sell opportunity the data is telling you about.
- Cross-sell prompts based on policy history. Term policy without health? Flag. Motor without personal accident? Flag. Family added a child? Flag.
- Birthday and anniversary reminders so you're the agent who remembers, not the one your customer last heard from at renewal.
- →Child added in 2025 — child education plan or floater top-up not yet discussed
- →No personal accident cover on file — PA add-on is a low-cost upsell
- →Parents not on any policy — senior citizen health conversation pending
An insurer portal shows one book. Yours spans all of them.
Every insurance company gives you a portal to see the policies you've sold for THEM. That's useful until you realise you sell policies for twelve different companies and your book of business spans all of them. You need one view of the whole thing — every policy, every renewal, every claim, every customer — across every insurer.
(Star / HDFC Ergo / ICICI, etc.)
Insurer portals are useful. They're just not a CRM. A CRM is the place where your book lives — not twelve different places owned by twelve different companies, each showing you only their slice.
Real questions from real agents evaluating us.
I'm a solo POSP agent. Is this overkill for me?+
No. The Free tier works for a solo agent with up to 1,000 policies on the book — that covers most POSPs' first two or three years easily. The renewal calendar alone is worth the zero rupees. Upgrade only when your book outgrows the limits.
How long does it take to import my existing policy data?+
A typical 2,000-policy book imports in about an hour from a CSV. Column mapping is done once, duplicates are caught automatically, and renewal dates are parsed out as they land. Free CSV migration is included on every paid plan — if your sheet is messy (they usually are), email us and we'll walk you through it.
Can I handle life, health, motor and general all in one workspace?+
Yes. Set up separate pipelines per line of business, or combine them — whichever matches how your team actually works. Each pipeline captures the fields that matter for that product. A motor policy's fields are different from a term life plan's, and TatvaCRM knows the difference.
Does the renewal reminder actually send WhatsApp messages?+
TatvaCRM surfaces upcoming renewals 30 days, 15 days and same-day before expiry, and supports outbound reminders via WhatsApp where you've connected your Business account. The customer gets a nudge on your behalf, you keep your day free for the conversations that actually need a human voice. Meta-verified branded sender IDs are on the roadmap for broking firms that want them — talk to us if this matters for your setup.
What happens when an agent leaves the firm?+
You revoke their login. Their entire book — every policy, every customer, every renewal date, every claim note — stays in your TatvaCRM instance. Reassign their book to another agent in one click. The customer relationship doesn't reset; the new agent sees everything the old one did.
How is this different from using Zoho or a generic CRM?+
A generic CRM lets you add a “Policy Number” custom field and call itself insurance-ready. That works for the first month. Then you hit a real insurance workflow — renewal calendars across every policy ever issued, persistency ratios per line, claims tracking with TPA coordination, cross-sell prompts from policy gaps — and you realise the generic tool was built for something else. TatvaCRM was built for this from day one.
Stop losing renewals to the agent who called first.
Free forever on the starter tier. 30 days of Professional on us. No credit card. Import your existing policy sheet in an hour.
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