> ## 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.
# Introduction to Insurance Advisor
> What Insurance Advisor is, who uses it, and what each type of user can do.
Insurance Advisor is a complete platform for running an insurance agency on Bizaxl. It
brings the whole business into one place: finding and qualifying prospects, analyzing a
client's needs, illustrating and comparing plans, filing applications, issuing policies,
collecting premiums, tracking commissions, handling claims and renewals, and giving
policyholders a self-service portal of their own.
Everything you do is organized around clear record types (leads, customers, products,
applications, policies, payments, claims, and more), and the system automates the
routine work: it scores your leads, calculates premiums and maturity values, builds
premium schedules, raises invoices, accrues commissions, and flags policies that are
due for renewal or at risk of lapsing.
## The three types of user
The agency back-office. Full oversight of every advisor, client, and policy, and
control over the product catalog and agency settings.
The front-line salesperson (also called an agent). Works their own book of leads
and clients from prospect to issued policy.
The policyholder. A self-service portal to view policies, pay and download invoices,
manage nominees, complete KYC, and raise requests.
### What an admin can do
As an admin you see and manage everything across the agency:
* Every advisor's leads, clients, policies, payments, commissions, and claims.
* The full product catalog: create and edit the plans your advisors sell.
* Application approvals: review a proposal and approve it to issue a policy, all from one
page.
* Claim processing: review, approve, and settle claims.
* A single **Updates** feed of everything happening across the agency (leads,
applications, policies, payments, service requests, and feedback), which only admins see.
* Setting a new customer's portal password when you add or convert their lead, so they can
sign in right away.
* Agency configuration: commission and tax defaults, grace and free-look windows, and
the scoring rules that drive lead priority and lapse risk.
### What an advisor can do
As an advisor you work your own book of business:
* Capture and qualify leads, and log every call and follow-up.
* Run a need analysis and build a sales illustration to recommend the right plan.
* File an e-application with nominees, health declarations, and the client's consent.
* Complete a client's KYC and manage their record.
* Record premium payments and track the commission you earn on each one.
* Keep your own digital-card microsite (your public profile) up to date.
You see only your own leads, clients, policies, and commissions, never another
advisor's.
### What a customer can do
As a policyholder you have a portal built just for you:
* View all your policies and their details.
* Explore the plans on offer and see the applications and advisory prepared for you.
* See and download your invoices and premium receipts.
* Manage the nominees on your policies.
* Complete or update your KYC.
* Raise a service request (address change, contact change, nominee change, and more).
* Send feedback and read notifications from your advisor.
You only ever see your own records.
In a hurry? The [Datasheet](./datasheet) puts the whole product on one scannable
page: roles, portals, product lines, workflows, and reports.
## Field guide: the main areas at a glance
Prospects flow through New, Contacted, Qualified, Proposal, and finally Converted
(or Lost). Each lead is scored Hot, Warm, or Cold to help you prioritize.
Assess a client's coverage gap, then compare plans side by side with projected
premiums and maturity values.
File an application, and on approval it becomes a policy with a premium schedule,
nominees, and key dates.
Every premium payment raises an invoice and accrues your commission (first-year on
the first payment, renewal thereafter).
Register a claim against a policy and follow it through review, approval, and
settlement.
Customers raise requests and feedback from their portal; approved requests apply
automatically once completed.
Insurance Advisor keeps compliance in mind for you: nominee shares must add up to
100%, a minor nominee needs an appointee, only the last 4 digits of a client's Aadhaar
are ever stored, and an application needs the client's consent before it can be
submitted.
## Best practices
* **Work the pipeline in order.** Move a lead through its stages rather than skipping
ahead: capture, contact, qualify, propose, then convert. The system re-scores the
lead as you go so your priorities stay accurate.
* **Do the need analysis first.** A quick needs assessment before you illustrate plans
leads to a better recommendation and a cleaner application.
* **Capture consent and complete KYC early.** An application cannot be submitted without
the client's consent, and a policy runs smoothly when KYC is already verified.
* **Record payments promptly.** Each payment advances the premium schedule, raises the
invoice, and books your commission, so keeping payments current keeps everything in
sync.
* **Watch renewals and lapse risk.** The system opens renewals and flags at-risk
policies for you daily. Acting on those alerts keeps policies in force.