> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bizaxl.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Datasheet

> Insurance Advisor at a glance: one scannable page covering roles, portals, product lines, workflows, and what the product does end to end.

Insurance Advisor is a complete platform for running an insurance agency on Bizaxl. This
page is the one-glance summary: what the product is, who uses it, and everything it
covers, gathered into a single sheet you can scan or share. For step-by-step detail,
follow the links into the rest of this guide.

## At a glance

|                      |                                                                                                                                       |
| -------------------- | ------------------------------------------------------------------------------------------------------------------------------------- |
| **What it is**       | An end-to-end workspace for an insurance agency: leads, advisory, policies, premiums, commissions, claims, and customer self-service. |
| **User types**       | 3: Admin, Advisor, Customer                                                                                                           |
| **Portals**          | 2: an advisor workspace and a customer self-service portal, plus an admin back-office                                                 |
| **Product lines**    | 5: Motor, Life, Health, Workers' Compensation, and SME                                                                                |
| **Guided workflows** | 4: lead pipeline, application approval, claim processing, and service requests                                                        |
| **Built-in reports** | 5: commission summary, advisor performance, lead conversion, premium collection, and renewals due                                     |
| **Advisory**         | Rule-based and explainable: needs analysis and illustrations with no black-box guessing                                               |
| **Messaging**        | Opt-in WhatsApp updates, sent only with the customer's consent                                                                        |
| **Billing**          | GST-aware invoicing and receipts built in                                                                                             |

## Who uses it

<CardGroup cols={3}>
  <Card title="Admin" icon="building-columns">
    Runs the agency. Full oversight of every advisor, client, and policy, plus control
    of the product catalog, approvals, commissions, and agency settings. See
    [Feature overview](./feature-overview).
  </Card>

  <Card title="Advisor" icon="user-tie">
    The front-line salesperson. Works a personal book of leads and clients from first
    contact to issued policy and paid commission, and never sees another advisor's book.
  </Card>

  <Card title="Customer" icon="user">
    The policyholder. Uses a self-service portal to view policies, download documents,
    manage nominees, complete KYC, and raise claims or requests. See
    [Customer self-service](./customer-self-service).
  </Card>
</CardGroup>

## What it covers

<CardGroup cols={2}>
  <Card title="Leads and pipeline" icon="filter">
    Capture prospects with their product interests, auto-score them, log every
    follow-up, and move each lead through a guided pipeline. See
    [Leads and conversion](./leads-and-conversion).
  </Card>

  <Card title="Advisory and illustration" icon="chart-line">
    Run a structured needs analysis, then build a rule-based illustration that compares
    plans across product lines, filtered by insurer and type. See
    [Advisory tools](./advisory-tools).
  </Card>

  <Card title="Applications and underwriting" icon="file-signature">
    Turn an agreed illustration into a digital application with nominees, dependents,
    and documents, then route it through approval and underwriting.
  </Card>

  <Card title="Multi-line policies" icon="shield-halved">
    Issue and manage policies across all five product lines, each with its own bank
    details, nominees, and installment-aware premium schedule. See
    [Policy register](./policy-register) and
    [Managing policies](./managing-policies).
  </Card>

  <Card title="Premiums and renewals" icon="receipt">
    Record premium payments tagged by product type, track amounts collected against the
    schedule, and see renewals as they fall due. See
    [Premiums and commissions](./premiums-and-commissions) and
    [Renewals and tasks](./renewals-and-tasks).
  </Card>

  <Card title="Commissions" icon="indian-rupee-sign">
    Commission is booked automatically when a policy activates, with statutory tax
    deducted, and tracked through to payout.
  </Card>

  <Card title="Claims and service" icon="clipboard-check">
    Customers raise claims and service requests from the portal; advisors and admins
    triage, progress, and settle them. See [Claims](./claims).
  </Card>

  <Card title="Product catalog" icon="box">
    Maintain the plans your advisors sell, across insurer companies and insurance types.
    See [Product catalog](./product-catalog).
  </Card>
</CardGroup>

## The five product lines

Each line is supported end to end, with its own policy record, premium schedule, and a
product type that carries through illustrations, applications, payments, and reports.

<CardGroup cols={5}>
  <Card title="Motor" icon="car" />

  <Card title="Life" icon="heart-pulse" />

  <Card title="Health" icon="hospital" />

  <Card title="Workers' Comp" icon="helmet-safety" />

  <Card title="SME" icon="briefcase" />
</CardGroup>

## How the pieces connect

<Steps>
  <Step title="A lead becomes a client">
    An advisor captures and qualifies a lead. When the client agrees, an admin converts
    the lead into a customer with a portal login and assigns an advisor.
  </Step>

  <Step title="A client becomes a policyholder">
    The advisor runs a needs analysis and illustration, then files an application. On
    approval it becomes a policy with a premium schedule and nominees.
  </Step>

  <Step title="A policy generates payments and commission">
    Each premium payment raises an invoice and books the advisor's commission.
  </Step>

  <Step title="The customer self-serves">
    The policyholder logs in to view policies, download documents, manage nominees, and
    raise claims or requests.
  </Step>
</Steps>

## Compliance built in

<CardGroup cols={2}>
  <Card title="GST-aware billing" icon="file-invoice">
    Tax is applied by policy category, so invoices and receipts follow the current
    rules for individual and group cover.
  </Card>

  <Card title="Commission tax" icon="percent">
    The statutory deduction is taken from advisor commission above the set threshold.
  </Card>

  <Card title="Data protection" icon="lock">
    Only the last four digits of a client's Aadhaar are ever stored.
  </Card>

  <Card title="Consent and access" icon="user-shield">
    Nothing is messaged without consent, advisors see only their own book, and
    customers see only their own records.
  </Card>
</CardGroup>

<Info>
  Insurance Advisor runs on the Bizaxl platform and installs alongside Bizaxl billing,
  so invoicing and tax work out of the box. Sample data can be loaded for evaluation and
  removed cleanly before you go live.
</Info>

## Best practices

* **Use this page as the map.** Start here for the shape of the product, then follow the
  links into each area for the detailed steps.
* **Follow the flow.** Each stage feeds the next, so working in order (lead, analysis,
  application, policy, payment) keeps every downstream record accurate.
* **Lean on the automation.** Scores, schedules, invoices, and commissions are
  calculated for you. Trust them, and act on the alerts the system raises.