A fast-growing local Indonesian Insurer with over 12,500 agents and more than 100 sales offices spread widely throughout Indonesia chose C2L for streamlining its’ New Business process. After implementing C2L solution, the insurer’s growth has recently positioned it into Indonesia’s Top 10 insurers. In fact, this insurer is known as the second-largest life insurance company in terms of producing agents who meet the standards of the Million Dollar Round Table (an international organization representing the best individuals in the financial services industry, especially in life insurance).


  • Manual and long SPAJ processing (hardcopies of Quotation, Supporting documents and SPAJ)
  • Manual underwriting process
  • Short production period due to the long operational TAT

Business Needs

  • Automate and streamline SPAJ and UW processing
  • Faster time to launch new products
  • Integrated sales process for agents – for demonstrating illustrations, finalize quote and e-submission, etc.

C2L BIZ Solution

  • Multiplatform (Android, iOS, Windows) SymbioSys sales tool with offline capability enabling agents to prepare quotation, capture data & RPQ at Point of Sale and submit SPAJ electronically.
  • Expert Underwriting engine to automate UW process. Clean case can be approved instantly.
  • Paperless solution: e-signature, document capture by camera.


  • Operational TAT (NB & UW)
  • Printing costs
  • Time to Launch new products
  • Data Errors
  • Faster operational TAT in processing new SPAJ
  • Longer closing period in each month – more policies being processed in a month

Services Delivered

Comprehensive Solution with Expert UW rules to handle NB process efficiently

Integration to core system, agency portal, payment gateway

Quantified Stats




Applications submitted


STP Rate


Reduction in launching
New Products

Case Study

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