CLAPi© Life — End-to-End Digital Policy Administration System | EnoviQ
Cloud-Native · API-First · Modular PAS · Zero Legacy Dependency

One Platform. Every Life Insurance
Product Live in Weeks.

CLAPi© Life is a cloud-native, API-first Policy Administration System covering the complete life insurance lifecycle — from product configuration and new business to claims settlement and full regulatory reporting.


Product Workspace
Claims Management
Policy Accountant
Investment Portfolio
Reinsurance
Policy Admin

End-to-end lifecycle

Every Stage. One System. Zero Gaps.

Every stage of the life insurance journey — from product launch to final settlement — managed on a single unified platform with full automation and compliance built in.

Product
Configuration

No-Code Product
Studio

Configure term, endowment, ULIP, pension, and group products with flexible rider logic — zero custom development required.

New business &
underwriting

Intelligent New Business Processing

Online and offline quotation engine with CKYC. Rule-based underwriting with STP and referral workflow routing.

Policy
Administration

Full Lifecycle Policy Servicing

Nominee updates, policy revival, partial withdrawals, ULIP fund switch, rider add/remove, and automated e-notices — all in one system, fully digital.

Premium
Management

Multi-Channel Premium Collections

UPI, NACH, net banking, and card payments with auto-reconciliation, grace period management, revival with interest calculation, and real-time confirmation.

Claims
Management

FNOL to Settlement — Fully Automated

End-to-end automation for death, maturity, survival, and rider claims. AI-powered fraud detection.

Agency &
Commissions

End-to-End Agency Management

Supports agents, POSPs, bancassurance, and brokers. Regulatory licensing, hierarchy-based commission setup, advance commission, clawback logic, and incentive dashboards.
Products supported

Retail & Group Life —
Both on One Platform.

CLAPi© Life unifies retail and group life insurance administration, eliminating the need for separate systems and duplicate operational workflows.

⚠ Retail Life Insurance
Term Insurance Pure risk cover; single/regular pay; return of premium variants
Whole Life Lifetime cover with savings; with-profit options
EndowmentSavings + protection; guaranteed maturity benefit
Money Back Periodic survival benefits + maturity payout.
ULIPs Market-linked fund management; fund switch; NAV-based
Guaranteed Return Fixed returns; single premium & limited pay
Child Plans Goal-based savings with waiver of premium rider
Pension / Annuity Immediate & deferred; NPS-linked; commutation
✦ Group Solution
Group Term LifeEmployer-sponsored cover; bulk enrollment; free cover limit
Group Credit LifeLoan protection; outstanding balance linked; bank/NBFC
Employer-Employee Key-man insurance; ESOP protection; HR benefits
Employee Benefits GTL + GPA + GMC bundle; HR portal integration
Platform architecture

End-to-End Solution Architecture

A four-layer architecture covering digital engagement, core insurance processing, integrations, and infrastructure —
connected through a unified cloud-native API backbone.

Digital Engagement
Layer
  • Customer Portal
  • Agent Portal
  • Progressive Web App — Customer & Agent
Core Insurance
Modules
  • Product Configuration
  • New Business & Underwriting
  • Policy Servicing
  • Claims Management
  • Agency & Commissions
  • Reinsurance
  • Policy Accounting
Integration &
Data Layer
  • CKYC
  • Payment Gateways / NACH
  • Providers
  • SMS / Email / WhatsApp
  • ERP / Finance / GL
  • Reinsurance Portals
Infrastructure &
Compliance
  • Cloud / On-prem / Hybrid
  • Security & IAM
  • Regulatory Reports
  • Audit Trail & Data Privacy
  • Disaster Recovery / BCP
Integration & compliance

Built for Global Insurance Ecosystems.

Pre-built connectors for identity, payments, medical services, and communications —
designed to plug into the financial and regulatory infrastructure of every market we serve.

Identity & KYC
National ID / eKYC Biometric verification Face Recognition Document OCR AML screening
Payment Channels
Real-time payment rails Direct debit / mandates Cards & wallets Bank transfers Multi-currency
Medical & health services
Hospital & TPA networks Medical exam providers Telemedicine Lab aggregators
Communication
SMS gateways Email Servers WhatsApp Business API Push notifications
Finance & ERP
SAP / Oracle / GL Statutory submissions Actuarial interfaces
Reinsurance
Facultative Non-facultative Proportional Treaty Non-proportional Treaty Bordereaux automation Cession & recovery accounting
Digital ecosystem & analytics

Four Portals.
One Connected Ecosystem.

Customer Portal
Policy view, premium payment, claims status, e-docs, and service requests — accessible on web and mobile with MFA.
Agent Portal
Lead management, proposals, customer 360 view, commission tracker, and sales pipeline management for agents and advisors.
Progressive Web App (Customer)
Push alerts, UPI payment, biometric login, and policy card wallet.
Progressive Web App (Agent)
On-the-go sales, e-proposal, e-KYC, and geo-tagged client visits for field agents and POSPs.
Analytics & management information system

Data-Driven Decisions. Across Every LOB.

Real-time dashboards, new business analytics, claims intelligence, and AI-powered predictive insights — giving leadership full visibility across the entire Life portfolio.

Executive dashboard
Real-time KPIs: GWP, Policy Count, Claim Ratio, Persistency
  • GWP & premium in-force
  • Portfolio-level claim ratio
  • Persistency cohort tracking
  • Branch & channel drill-down
New Business Reports
Proposal-to-issuance funnel, STP rate, UW decision analysis
  • Proposal funnel & drop-off
  • STP vs referral split
  • UW decision & loading analysis
  • Product & plan mix
Claims Analytics
Turnaround time, fraud flags, repudiation reasons, recovery rates
  • TAT by claim type & stage
  • Fraud flag & suspicion score
  • Repudiation & recovery rates
  • Outstanding reserve tracking
Rule-based Predictions
Churn prediction, cross-sell recommendation, underwriting scoring
  • Lapse & churn propensity
  • Cross-sell opportunity scoring
  • Underwriting risk score
  • Persistency early warnings

Ready to modernise your
life insurance operations?

From new business to final settlement — CLAPi Life handles it all on one connected platform. Request a live walkthrough tailored to your product portfolio.

Let's Get Your Project Started!

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Packages
À la carte Capabilities
  • Hong kong
  • Singapore
  • India
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