01
Internal knowledge base
Your products, your offerings, the promises actually made to your policyholders.
iorta 2.0 · The product
DOT Agents.
DOT Agents.
Pre-built, not assembled.
Agents that carry real work at every stage of the policy lifecycle — each running on a domain fine-tuned, privately hosted model that was tested against thousands of edge cases before it ever spoke to one of your advisors.
Good morning
Rajat Mishra
Renewal book
1,482
Due
214
At risk
96
Collecting
Outreach
<15m
To first
4
Channels
100%
Logged
The agents
Put to work where the time goes
An agent at every point a policy currently stops and waits for someone. They share one framework, one private model and one audit trail — and they pass work to each other, so the delay between stages stops being where your cycle time goes.
Distribute & Quote
Distribution Agent
Coaches the advisor through discovery, recommends the product and builds the tailored quote.
Underwrite & Issue
Underwriting Agent
Reads the submission, prices against signal rather than segment, and issues first-time-right.
Service & Endorse
Servicing Agent
Resolves routine service and endorsement requests around the clock, without a queue.
Renew & Retain
Persistency Agent
Predicts lapse risk before it shows in the book and works the renewal through to collection.
Claim & Settle
Claims Agent
Triages FNOL, settles the simple claims straight through, and gets adjusters the complex ones sooner.
Reconcile & Close
Reconciliation Agent
Matches premium, commission and settlement across systems, and closes the exceptions.
Under the hood
The Dot Agentic Framework
What makes an agent safe to put in front of a regulated book of business — and defensible when someone asks why it did what it did.
02
External knowledge base
IRDAI circulars and other high-authority industry sources, wired in as live signals.
03
Scoped access control
Role-specific, scope-defined access management applied at inference — not bolted on at the UI.
04
Dynamic context window
Balances retrievability of facts against latency, so accuracy does not cost you the conversation.
05
Guardrails
Every response is grounded in your own sources, fact-checked, and logged before it leaves the model.
A domain fine-tuned, privately hosted LLM
Your data never leaves your perimeter.
Where the agents go to work
We know where insurance systems break.
We know where insurance systems break.
That is where we put the agents.
Distribute & Quote
Start the conversation with the quote already built.
- Guided discovery
The agent runs need analysis with the advisor, surfaces the right questions and captures the answers straight into the system.
- Instant quotation
Product recommendation and a tailored quote generated in the conversation, not after it.
- Advisor coaching
Objection handling learned from what actually closes in your organisation, offered before the objection lands.
Why iorta? Our Salesdrive suite of sales CRM applications has processed more than 1M records over the last six years.
Underwrite & Issue
Compress the quote cycle and price against signal rather than segment.
- Instant submissions
Agents structure incoming data, validate policy details and pre-populate systems, dropping quote turnaround times.
- First-time-right handling
Continuous validation of input data from systems or field agents, so underwriters receive a verified case docket with agent recommendations.
- Granular analytics
Agents parse the messy unstructured records underwriters avoid — medical histories, complex commercial property documents — and deliver a view for every case.
Why iorta? Our leadership bench carries more than 100 years of collective insurance systems experience across underwriting and distribution.
Service & Endorse
Resolve the routine request before it becomes a ticket.
- Autonomous support
Routine service requests resolve around the clock without human intervention — with the same empathy.
- Endorsements without rework
Changes validated against the policy and the regulator’s position before they are written, so corrections do not come back.
- Documents on demand
Policy documents, statements and certificates generated and delivered in the channel the policyholder already uses.
Why iorta? WrapDrive already puts every enterprise application behind one login, so the agent works across them rather than around them.
Renew & Retain
See the lapse before it lands in the book.
- Lapse-risk prediction
Payment-pattern drift and behavioural signals flag at-risk policies weeks before the due date.
- Sequenced outreach
Channel-by-channel outreach ordered by what works for that policyholder, with advisor briefs sent ahead of the call.
- Collection to closure
Collection links issued, followed up and reconciled — the agent works the renewal to the end, not to the handover.
Why iorta? On a single November renewal book, the Persistency Agent surfaced 214 at-risk policies out of 1,482 due and opened outreach in under 15 minutes.
Claim & Settle
Settle the simple claims automatically so adjusters get the complex ones sooner.
- Straight-through processing
First notice of loss triggers agents into action: photo verification, policy checks and automated reserve creation.
- Fraud mitigation
Agents match patterns in the active case against past cases and flag anomalies. Predictive models are fine-tuned on your available data.
- Evidence assembled first
When a claim does need an adjuster, it arrives with the documents, history and policy position already gathered.
Why iorta? We have architected and delivered an end-to-end claims management system for one of the largest general insurers in India.
Reconcile & Close
Close the month without the matching.
- Automated matching
Premium, commission and settlement matched across banking, policy and accounting systems without manual intervention.
- Exception handling
The agent clears what it can and presents only the genuine breaks, with the trail that produced them.
- Settlement visibility
Position visible through the month rather than discovered at the end of it.
Why iorta? ReconDrive runs financial reconciliation in production for banks and insurers today.
Industry context: Deloitte (2025) reports a 20–40% improvement in fraud detection accuracy from AI-driven analysis, varying by implementation.
Beyond the lifecycle
The legacy core, without the rip-and-replace
Not a lifecycle stage — but the reason so many of them are slow. The same agents read the core you already run and get the business logic out of it.
Get the logic out of the core
- Legacy code translation
Agents read archaic legacy programming languages and convert them to modern architectures.
- Process mapping
Automated extraction documents the business logic buried in the core, shortening deployment timelines.
- Cost reduction
Streamlined development lifecycles cut capital expenditure significantly.
Why iorta? Our leaders have built their careers modernising the core insurance stack over decades.
Capabilities
What the agents do without being asked twice
DOT performs these human tasks independently, inside the workflows your teams already run.
Needs assessment & quoting
Assesses needs, recommends products, shares tailored quotes.
Coaches the advisor on what to ask next.
Lead management
Creates, organises and scores leads for data-driven sales outreach.
Ask Dot to create, allocate or summarise leads.
Customer onboarding
Gathers data and documents, conducts e-KYC, and ensures quality compliance.
Onboarding in under 15 minutes on existing DOT deployments.
Policy issuance
Issues policies, shares them with customers, and confirms comprehension.
Premium collection
Shares personalised payment links with customers.
Policy servicing
Assists customers with enquiries, policy changes and endorsements.
Claims management
Handles claim filing, documentation, evaluation and settlement.
Clients can ask Dot to file a claim.
Policy renewal & termination
Manages renewal, termination and the associated risk assessment.
Predicts lapse risk before it shows in the book.
Recruitment management
Facilitates candidate evaluation, exam scheduling and preparation.
Retrieval augmented generation
Uses advanced document analysis for accurate, grounded query responses.
Session memory
Enables a persistent user experience and workflow integration across sessions.
Nudges
Delivers dynamic reminders to boost customer interaction and nurturing.
Workflow adaptation
Adapts to organisation-specific processes seamlessly.
Data analytics
Conducts operational data analysis for continuous improvement.
Messaging platforms
Integrates with WhatsApp and other platforms for external communications.
Inside the product
What the agent is actually looking at
Every agent works on a live record, not a copy of one — the same view your team sees, with the reasoning and the audit trail attached to it.
Mr Manish Patil
APP ID DOT-AOB8356
In progress
Progress tracking↗
Onboarding for Mr Manish Patil is in progress. Below is the stage-wise update.
- Personal detailsCompleted
- Document uploadCompleted
- Education detailsIn progress
- Bank detailsPending
- Employment detailsPending
Application evaluation↗
88.25
Overall score
High
Propensity
Mod
Engagement
Scored from every interaction on the record. Last connected 2 days ago, engaging weekly.View conversation
Reminders2↗
26-02-2024Due
Call about the outstanding document upload.
26-02-2024Scheduled
Dot will continue the onboarding conversation.
Non-negotiable
Zero-trust by architecture, not by policy
An agent with access to a policyholder book is a security surface. We treat it as one.
1
Never trust, always verify
Every request re-authenticated and re-authorised. No implicit trust from network position or prior session.
2
Private model hosting
The fine-tuned model runs inside your perimeter. No third-party inference, no prompt logging outside your estate.
3
Access scoped at inference
Role-specific, scope-defined permissions applied to retrieval itself — an agent cannot surface what the user cannot see.
4
Grounded and fact-checked
Guardrails verify every response against source before release. No ungrounded generation reaches a customer.
5
Full auditability
Every retrieval, decision and response is traceable. Built for a regulator asking why, not just what.
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ISO/IEC 27001:2022
Certified information security management, independently audited.
How we deliver
Qualified engineers in front.
Qualified engineers in front.
Private agents behind.
iorta deploys Forward Deployed Engineers — people who have built and run insurance systems, not consultants reading your requirements back to you. The FDE learns your book, puts the agent where the workflow actually breaks, and leaves behind a process your team owns.
What you get
- An FDE who understands your products, channels and regulator before writing code
- A set of production agents, not concepts
- A documented, repeatable process for every stage the agents touch
- Model weights and configuration inside your estate
- Audit trails your compliance owners can follow
- No lock-in to an inference vendor
Rapid onboarding — agents and customers onboarded in under 15 minutes on existing DOT deployments.
1
The FDE learns your book
Before anything is deployed, an engineer who knows insurance maps your products, channels and exceptions — and tells you which stage is worth an agent first, and which is not.
2
Deployed inside your perimeter
The fine-tuned model is hosted in your environment. No third-party inference endpoint, no data egress, no shared tenancy.
3
Configured to your book
Internal knowledge base built from your products, offerings and promises. External signals wired to IRDAI and the sources your teams already trust.
4
The process becomes repeatable
What the FDE built is written down as a process, not left as tribal knowledge — so the next stage takes weeks rather than another discovery cycle. Knowledge transfer is a contractual deliverable, not a goodwill gesture.
5
You operate it
Your team runs the agents. We stay for the roadmap, not for the dependency.
Why teams implement it
Reasons to implement DOT
- Rapid agent onboarding (<15 mins)
- Accelerated customer onboarding (<15 mins)
- Efficient policy servicing
- Data-driven decision making
- Better compliance management
- Boosted sales productivity
- Streamlined claims management
- Enhanced customer experience
- Reduced human expenses
- Elevated company reputation
In production
How our customers are growing with our products
We placed our faith on iorta to deliver a bespoke lead management system for our newly launched direct marketing channel. They also extended their services to co-drive the platform’s adoption by defining clear training and feedback loops.
We manage business opportunities and renewal collection processes across channels using Salesdrive from iorta. This has also helped us transition from a digital-focused to a digital-first enterprise.
The next step
Let’s put one agent
Let’s put one agent
into production.
Not a pilot. Not a proof of concept. One workflow, one agreed metric, measured in your systems.
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Pick the workflow
Renewals, submissions or FNOL — whichever hurts most this quarter.
2
Agree the metric
One number, baselined from your own data before we start.
3
Run it
In your environment, with your team, priced against the outcome.
Let’s connect
Start with one workflow.
Start with one workflow.
Not a platform programme.
Book a 15‑minute call. We will tell you which of your workflows is worth an agent first — and which is not.
Corporate office
MIDC, Andheri East, Mumbai, India – 400069