Multi-carrier, multi-channel commerce platform with 25+ modules spanning Sales, Operations, Finance, and Compliance. India's #1 retail insurance distribution platform — now deployed globally for carriers, MGAs, brokers, and NBFCs.
From distributor onboarding to carrier settlement — ICE orchestrates every step of the insurance commerce lifecycle through a single, unified platform.
Every module built for insurance-grade reliability, real-time performance, and multi-jurisdiction compliance. Deploy individually or as a full stack.
Quote engine, product comparison, proposal builder, payment gateway, lead management, and multi-channel distribution.
Policy issuance, endorsements, renewals engine, claims management, document generation, and workflow automation.
Commission engine, premium reconciliation, MIS and reporting, revenue analytics, settlement automation, and leakage detection.
eKYC/KYC verification, user and role management, complete audit trail, and regulatory compliance across ISNP, DFSA, NAIC, and FCA.
Quote to Cash — End to End
Real-time multi-carrier quoting across 50+ insurers. Compare premiums, coverages, and benefits side-by-side. Sub-second response times with intelligent caching and carrier failover.
Feature-by-feature comparison across carriers and plans. Configurable ranking algorithms, highlight differentiators, and AI-powered recommendation engine for optimal product matching.
Dynamic form generation based on carrier requirements. Pre-filled data from KYC, smart validations, document upload, e-signatures, and automated proposal submission to carriers.
Unified payment orchestration — UPI, cards, net banking, wallets, EMI options. Multi-currency support (INR, USD, AED, EUR). PCI-DSS compliant with automated reconciliation.
Capture, qualify, assign, and track leads across channels. Automated follow-up sequences, conversion analytics, and distributor performance scoring per lead cohort.
Unified commerce across web portals, mobile apps, WhatsApp bots, branch POS terminals, and API/SDK integrations. Same product catalog, same pricing, every channel.
Full Policy Lifecycle Management
Automated policy generation with carrier-specific templates. Real-time issuance confirmation, policy document delivery via email/WhatsApp/SMS, and digital policy vault for customers.
Mid-term policy modifications — add/remove insured, coverage changes, vehicle transfers, address updates. Automated premium adjustment, carrier approval workflows, and endorsement tracking.
Proactive renewal management with 60/30/15/7-day notification cascades. Auto-quote generation, carrier switching recommendations, lapse prevention, and bulk renewal processing.
End-to-end claims lifecycle — FNOL registration, document collection, carrier submission, status tracking, and settlement monitoring. Integrated with carrier claims APIs for real-time updates.
Automated generation of policy schedules, certificates, endorsement letters, premium receipts, and compliance documents. Carrier-branded templates with digital signatures.
Configurable approval flows, SLA tracking, escalation rules, and task assignment. No-code workflow builder for custom operational processes per carrier or product line.
Revenue Assurance & Financial Control
Multi-tier commission structures — flat, slab, performance-based, override. Automated calculation across hierarchies, real-time payout tracking, and dispute resolution workflows.
3-way reconciliation — policy data vs. carrier statements vs. payment records. Automated mismatch detection, exception handling, and settlement tracking with carrier-wise breakdowns.
120+ pre-built KPIs across production, collections, commissions, and claims. Automated MIS generation, scheduled reports, and custom report builder with export capabilities.
Real-time revenue dashboards — GWP tracking, carrier-wise performance, product mix analysis, channel profitability, leakage detection, and forecasting models.
Regulatory Readiness Across Jurisdictions
Aadhaar-based eKYC (India), Emirates ID verification (UAE), SSN/DL validation (US), and passport-based verification. Configurable KYC flows per jurisdiction with real-time verification APIs.
Full RBAC — role-based access control across organizational hierarchies. SSO integration, multi-factor authentication, session management, and granular permission controls per module.
Complete immutable audit log of every action — user activity, data changes, approvals, policy modifications, and system events. Tamper-proof records for regulatory audits and investigations.
Pre-configured compliance frameworks — IRDAI/ISNP (India), DFSA/CBUAE (Middle East), NAIC/state-level (USA), FCA/Solvency II (Europe). Automated regulatory reporting and filing.
Pre-configured product templates across every line of business — deploy out-of-the-box or fully customize for your market and carrier relationships.
Personal Auto, Commercial Vehicle, Fleet, Two-Wheeler, Liability, Comprehensive, Third-Party, Own Damage, Pay-As-You-Drive, EV-specific, Motor Trade
Individual, Family Floater, Group (GMC/GPA), Critical Illness, Senior Citizen, Top-Up, Super Top-Up, International Health, Dental, Vision, Maternity
Term, Whole Life, Endowment, ULIP, Retirement, Children's Plans, Annuities, Group Life, Key Person, Credit Life, Savings Plans
Commercial Property, Business Interruption, Homeowner, Landlord, Tenant, Builder's Risk, Equipment Breakdown, Inland Marine
Cyber, D&O, E&O, Professional Liability, Marine Cargo, Aviation, Engineering, Surety Bonds, Political Risk, Trade Credit, Agriculture
Travel, Shipping, Extended Warranty, EMI Protect, Credit Shield, Wage Protect, Gig Worker, Parametric Weather, Rental, Event Cancel
ICE delivers a unified commerce experience across every distribution channel — same product catalog, same pricing engine, same compliance framework. No channel-specific rebuilds.
White-labeled distributor portals with full branding control. Responsive design, SSO integration, role-based dashboards, and end-to-end policy lifecycle management for your sales teams.
Native iOS and Android apps for field agents and sales teams. Offline-capable quoting, GPS-tagged sales activities, photo document upload, and real-time performance tracking.
Full insurance sales via WhatsApp — product discovery, quoting, proposal filling, payment, and policy delivery. Conversational UI powered by AI agents for guided purchase flows.
Point-of-sale terminals for branch operations — walk-in customers, counter sales, assisted selling. Barcode scanning, receipt printing, and cash collection integrated with reconciliation.
RESTful APIs and front-end SDKs for embedding ICE capabilities into any third-party application. 700+ API endpoints, comprehensive documentation, and sandbox environments for testing.
Intelligent product recommendations, persona-based matching, automated cross-sell and upsell triggers, and predictive lead scoring — all integrated natively into every channel.
ICE adapts its compliance framework per market — regulatory workflows, KYC rules, reporting formats, and product approvals are all configurable without code changes.
IRDAI / ISNP Certified
Full ISNP compliance for insurance web aggregators. IRDAI-mandated disclosures, product filing templates, grievance redressal workflows, and regulatory reporting as per Insurance Act guidelines.
DFSA / CBUAE Ready
Configured for UAE, Saudi Arabia, Bahrain, and Oman regulations. Takaful and conventional product support, Arabic language UI, AED/SAR multi-currency, and DFSA-mandated conduct rules.
NAIC / State-Level Compliance
Architected for state-level regulatory variations. NAIC model law compliance, surplus lines reporting, producer licensing verification, and state-specific filing requirements across all 50 states.
FCA / Solvency II / IDD
GDPR-compliant data processing, FCA conduct of business rules (UK), Insurance Distribution Directive (IDD) requirements, and Solvency II reporting capabilities for EU-based operations.
ICE's compliance engine is fully configurable per jurisdiction — no code changes required. Here is what adapts automatically:
Real deployments powering millions of policies. Here is what ICE delivers when deployed at enterprise scale.
Replaced manual, paper-based insurance distribution process across India's largest NBFC. ICE deployed as the complete commerce engine — multi-carrier quoting, digital issuance, commission tracking, and compliance. Enabled Tier 3 and Tier 4 branch reach with a fully digital workflow.
Embedded ICE into the vehicle purchase flow of India's largest used car platform. Real-time digital policy issuance at point-of-sale. Moved from a 30% offline attachment rate to 250%+ digital, with multi-carrier comparison and instant issuance at the showroom.
Whether you are a carrier looking to digitize distribution or a broker scaling operations, ICE adapts to your business model and market.
Digitize your distribution network, automate policy administration, enable multi-channel sales, and get real-time analytics across your entire book of business.
Full MGA stack — binding authority management, multi-carrier connectivity, bordereaux reporting, and automated carrier settlements. Launch programs in weeks.
Multi-carrier comparison, automated placement, commission reconciliation, client management, and renewals engine. Scale your brokerage without scaling your team.
Cross-sell insurance into lending, credit card, and wealth journeys. Branch-level sales enablement, commission tracking, and regulatory compliance for bancassurance operations.
Embed insurance at checkout via API/SDK — warranty, shipping, returns protection. Sub-200ms latency, persona-based product matching, and seamless payment integration.
Motor insurance at point of vehicle sale — new and used cars, fleet coverage, ride-hailing, EV-specific products. Integrated into vehicle purchase and ownership lifecycle.
25+ modules. 700+ APIs. 50+ carrier integrations. Production-ready in under 4 weeks.
See why enterprises across India, Middle East, and beyond choose ICE as their insurance commerce backbone.