SymbioSys Sales Tool is a comprehensive sales enabler that empowers producers to manage end-to-end sales process from Lead-Activity to Collateral Management, Financial Need Analysis, Product recommendation, Sales Illustration, e-Application including documents & Signature capture, field underwriting & payment processing on a hand-held device in both online & disconnected mode. Its unique differentiators are extensive configurability, widest OS support, maximum offline capabilities that includes offline field-underwriting for quick sales closure, with proper controls. The Standard/Sub-standard case decision is given on the field with an ability to load the cases automatically using in-built underwriting engine, calculates risk premium and generates counter offer for customer approval.

It is a one stop service that supports Life, Annuity, Pensions, Health products, in multiple languages & currencies. The field force can engage with the prospect either in-person or with physical distancing, thru customer collaboration offered thru this service.


On Premise

On Cloud

Functional Overview Diagram

Business Challenges

  • Multiple interactions with customers leading to long time for sales closure
  • Inconsistent sales process leading to high manual work
  • Higher time and cost for agent learning
  • High application NIGO (Not in Good Order) rate
  • Inability to meet evolving business and distribution demands
  • High turnaround time for policy issuance due to fragmented sales process

Business Drivers

  • Increased face time with customer
  • Quick Sales closure with proper controls
  • Improved distributor productivity
  • Consultative selling to improve customer experience
  • Availability across platforms to promote BYOD concept
  • Reduced time to launch new products
  • Quick adaptation to evolving business needs


  • Higher configurability, for faster time to market
  • Unified solution for diverse OS, single code for iOS, and Android
  • Maximum offline capability, unique rule capability that works even in offline
  • Field underwriting in offline mode with the ability to generate counteroffers, for quick sales closure
  • Configurable Reflexive questionnaire for the capture of context-sensitive data
  • Business users can configure products, underwriting rules etc. which aid in reducing dependence on IT and vendor

Business Benefits

  • 20-50% Improvement in sales conversions
  • 80-90% Elimination in mis-selling can be achieved
  • 30-60% Saving in time to market for launching new products
  • 50-70% Straight Through Processing (STP) can be achieved
  • 50-70% Successful future proofing on transformation initiatives

Case Study

Excellence is not attained in a day! Our teams have worked beyond expectations to attain in-depth knowledge and offer customized solutions to our clients and partners. We carefully analyse our reach and every strategy to stay true to the time.

Transforming Sales and New Business with Intelligent and Digital Operations

A leading Insurer in India decided to have a Digital Transformation for its New Business & Underwriting processes.

Reduce Insurers New Business Cost & Time, To Launch New Products

A leading European Insurer in Indonesia decided to adopt the SymbioSys Sales Tool to spearhead its’ Digital journey.

Enhancing Agent Outreach in Remote Areas with Mobile Offline Capabilities

One of Indonesia’s top 3 Insurers is engaged in selling a variety of products and services for life, health, &…

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