01
Insurers
Life, general and health carriers. Every stage, from the first quote an advisor builds to the reconciliation that closes the month — with the audit trail a regulator will ask for.
iorta 2.0 · The agentic policy lifecycle
The policy lifecycle, run end to end.
Quotes out the same day. Renewals worked before they lapse. Claims settled without a queue. Agents that do the work at every stage — deployed inside your perimeter by iorta engineers who learn your book first.
- Since 2017
- 10M+ lives impacted
- 10 offices across India, APAC, Middle East & Africa
- ISO/IEC 27001:2022
Delivered for
- Oona Insurance
- Aviva
- Tata AIG
- Edelweiss Life
- Pramerica
- ICICI Pru
- Manipal Cigna
- …and more
Who it is for
Insurers and intermediaries
Both sides of the same policy, and the same problem: a lifecycle that runs across too many systems, with people filling the gaps between them. It works the same either way round.
02
Intermediaries
Brokers, agencies, bancassurance partners and distribution networks. The same agents pointed at a book you place rather than one you carry — across every insurer you represent.
10M+
Lives impacted by our products and solutions
10
Offices across India, APAC, the Middle East and Africa
200+
Team members worldwide
The agentic policy lifecycle
Every stage keeps moving.
Every stage keeps moving.
Nothing waits in a queue.
A policy passes through the same hands at every insurer — and waits at every handover between them. We put an agent at each of those points, pre-built for a regulated book rather than primitives for you to assemble. They pass the work to each other instead of to a person’s inbox.
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.
Every agent ships with the same foundation
A domain fine-tuned language model, privately hosted inside your environment, tested across thousands of scenarios and edge cases before it ever speaks to your advisors.
Fine-tuned
on the insurance domain
Privately hosted
in your cloud environment
1000s of scenarios
and edge cases tested
Products in production
Your teams keep the screens they know
Nobody has to learn a new system, and nothing gets rekeyed from one into the next. These are the platforms we already build and operate for insurers across India, APAC, the Middle East and Africa — with the agentic layer wrapped around them.
DOT Agentic Framework
The framework is not another product sitting alongside the others. It encloses them — reading and writing across every system through one private model, one set of access rules and one audit trail, so a policy gets from quote to close without anyone carrying it between screens. Explore DOT Agents
Sales cycle management
Salesdrive
AI-powered sales automation across agency, bancassurance, broking and direct channels — with a CRM built for financial institutions, not adapted to them.
Explore SalesdriveFNOL to settlement
ClaimsDrive
The full claims lifecycle, paperless and rules-driven, with vision-based assessment and fraud controls that cut cost per claim.
Explore ClaimsDriveFinancial reconciliation
ReconDrive
Multi-source, multi-level reconciliation with configurable matching rules and audit trails your finance team can actually defend.
Explore ReconDriveEnterprise app management
WrapDrive
A micro-frontend super app that puts every enterprise application — web or native — behind one login and one dashboard.
Explore WrapDrive- Home-trained, industry-compliant foundational model
- Privately hosted inside your perimeter
- Scoped access applied at inference
- Every action audit-logged
Under the hood
Safe to put in front of a regulated book
Every agent runs on the same foundation — built out of two decades of insurance workflows, not adapted from a general-purpose assistant. Your people stay in command: the agent never acts without the full picture, and every action it takes is one you can show a regulator.
01
Internal knowledge base
Your products, your offerings, the promises actually made to your policyholders.
Does this match what we actually sold them?
02
External knowledge base
IRDAI circulars and other high-authority industry sources, wired in as live signals.
Does this hold up under the regulation in force today?
03
Scoped access control
Role-specific, scope-defined access applied at inference — not bolted on at the UI.
Is this agent allowed to see this book at all?
04
Dynamic context window
Balances retrievability of facts against latency, so accuracy does not cost you the conversation.
Can it answer fast enough to still be useful?
05
Guardrails
Every response is grounded in your own sources, fact-checked, and logged before it leaves the model.
Can we defend this answer to a regulator?
A domain fine-tuned, privately hosted LLM
Your data never leaves your perimeter.
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. An FDE sits with your team, learns the book, and puts agents into the workflow at the point it actually breaks.
What you get
- An FDE who understands your products, your channels and your regulator before writing a line of code
- Agents deployed single-tenant, inside your perimeter — never a shared model
- A documented, repeatable process for every stage the agents touch
- Knowledge transfer as a contractual deliverable, not a goodwill gesture
- Outcomes measured against a metric agreed before we start
1
The FDE learns your book
Before any deployment, an engineer who knows insurance maps your products, channels and exceptions — and tells you which workflow is worth an agent first, and which is not.
2
One stage goes into production
Not a pilot. One lifecycle stage, one agent, running on live work inside your environment, measured against the metric you agreed.
3
The process becomes repeatable
What the FDE built is documented as a process, not tribal knowledge — so the next stage takes weeks rather than another discovery cycle.
4
Your team operates it
We build the internal capability to own, tune and extend the agents. Your people run them. We stay for the roadmap, not for the dependency.
Who we serve
Built for the people the lifecycle actually lands on
The agents do the repetitive work. Your specialists get the judgement calls, sooner and with the full picture attached.
The advisor stops preparing and starts selling
The Distribution Agent runs discovery prep, builds the tailored quote and briefs the advisor on what to ask next — so the conversation starts where it used to end.
Stage 01 · Distribute & Quote
Price against signal, not against segment
The Underwriting Agent reads the submission, pulls the risk signals and clears the straightforward cases — so underwriters spend their day on the risks that need a human view.
Stage 02 · Underwrite & Issue
The month closes without the scramble
Servicing and Reconciliation Agents clear endorsements around the clock and match premium, commission and settlement across systems — leaving people the exceptions, not the matching.
Stage 03 · Service & Endorse · Stage 06 · Reconcile & Close
Lapses surface while there is still time to act
The Persistency Agent reads payment-pattern drift weeks before the due date and sequences outreach by what has actually worked for each policyholder — so retention stops depending on who happened to make the call.
Stage 04 · Renew & Retain
The complex claims arrive sooner
The Claims Agent triages FNOL and settles the simple claims straight through. Adjusters get the contested and complex files earlier, with the evidence already assembled.
Stage 05 · Claim & Settle
No data leaves the perimeter
Every agent is single-tenant and privately hosted inside your environment, with scoped access applied at inference and every action audit-logged. Zero-trust by architecture, not by policy.
Applies at every stage
How we build
The iorta 6C Philosophy
What every product and every agent is built against. The first principle is the constraint the rest work inside: we start from what a regulator will ask, and work backwards — so compliance is never the thing that stops a deployment at the last minute.
Compliance-first
Industry-specific expertise to build compliance inside-out.
Configurable
Easily adjustable settings and structuring to fit your workflow and operating preferences.
Comprehensive
All-in-one solutions to revolutionise every facet of a business function.
Components-based
Modular design for agility, use-case flexibility and efficient integration.
Customisable
Tailored solutions to meet your unique business needs effortlessly.
Cognitive
Every workflow built so an agent can reason over it and act on it — not just record it.
Built on experience, not on excitement
Two decades of insurance workflows.
Two decades of insurance workflows.
Condensed into context and tools for agents.
Since 2017, iorta has been building and operating core insurance systems — underwriting, distribution, claims, reconciliation — using the domain knowledge of a leadership team with more than 100 years of collective insurance systems experience.
Recognition
- Innovation & Digital Transformation Company of the Year, 2024
- Top 10 Most Promising Sales Technology Providers in India, 2021
- ISO/IEC 27001:2022 certified for information security
2017
Founded by insurance operators
15
Large insurers and channel partners run our solutions in production
2000+
APIs and backend processes converted into composable tools for AI agents
100+
Grounded, tested, production-ready AI agents ready to deliver outcomes
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.
Commercials
You pay for outcomes. Not seats, not licences.
If the agent does not move the metric, you do not pay for it.
Agree the metric first
Before a line of configuration: which number are we moving? Renewal rate, quote turnaround, cost per claim, straight-through rate. One metric, measured in your systems.
Our margin follows yours
Pricing is indexed to the outcome delivered. If the number does not move, our commercial position moves with it — not yours.
Risk-free contractual obligation
The commitment is written into the contract, not the sales conversation. You are not underwriting our learning curve.
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