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GullySystem
Finance and insurance · Software for life insurance advisors

Arrange the policy book by family and due date, with reminders clients read.

Life insurance advisors keep a premium-due diary, several insurer portals and decades of family history in their heads, so a lapse catches you off guard. A policy book arranged by family and due date, with reminders clients actually read and a list of maturities visible months ahead, is what this system gives you.

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At a glance

Your book was built over decades: a policy for the father in 2004, a child plan in 2012, a term plan taken the year the home loan started. Each carries its own mode, riders, due date and maturity year.

Insurer portals show you policies. None shows you the family. None reminds a client in a way that prevents a lapse.

How the work runs today

A new proposal means a needs discussion, the proposal form, identity checks, medical tests, and follow-up with the branch until the policy document arrives. The policy then enters your diary with its mode: yearly, half-yearly, quarterly or monthly.

Each month you list who is due, call or message them, and check the portal to see who paid. Policies inside the grace period need a second call, and lapsed ones need a revival with fresh health declarations.

Alongside that sit survival benefits on money-back plans, maturity claims, a nominee change after a marriage, and occasionally a death claim. That last one needs care, and needs it the same week.

Where it breaks

What goes wrong for life insurance advisors without a proper system.

Policies lapse because a reminder is missed

The diary shows the due date but not that the client paid online last night, so you either call too late or call a client who has already paid. Both cost goodwill.

You see policies and not families

A client’s son marries or a daughter starts her first job, and you have no quick way to see what the family holds and where the gap is.

Maturities arrive as surprises

A large payout falls due in June, and you hear about it when the client mentions the money has arrived. By then it is spent.

Nominee details are out of date

A nominee named twenty years ago is rarely reviewed. It matters exactly once, and by then it cannot be corrected.

What the software does

What we would build for life insurance advisors.

Named the way your team already talks about the work. We start with whichever part the audit shows is costing you most.

Premium due calendar

List every policy by due date and mode, with reminders on WhatsApp and SMS before the date and again inside the grace period.

Family policy tree

Show all members and their policies on one screen, with sum assured, riders, term and maturity year beside each, so a gap in cover is visible.

Lapse and revival list

List policies in grace and lapsed, with the revival conversation and the next call noted against each. Monday’s call list is ready on Sunday.

Maturity and survival benefit alerts

List payouts months ahead, so you meet the family before the money reaches their account and not a fortnight after it has been spent.

Policy loans and surrender

Record loan requests, paid-up conversions and surrender enquiries against the policy, so a client who needs money hears every option they have.

Nominee and document check

Hold nominee details for every client beside their policies, with identity papers and policy documents on file, so an old nomination is easy to spot.

Before you talk to a supplier

A requirements checklist for life insurance advisors.

What to cover, which reports to ask for and what to put to every vendor, ready to print or save as a PDF.

Open the checklist
Ready product

A product already built for life insurance advisors.

It is adapted to how your business works before it goes live, and anything your trade needs that it lacks is added then.

Life Insurance Agency Management Software

Client and nominee records, premium due dates, lapse and revival follow-up, maturity and survival benefits, claims support and commission for life insurance advisors and agencies.

See the product
More products

Other products in the same sector as life insurance advisors.

Solutions inside

The business modules life insurance advisors use most.

Each one is also available on its own, or inside a system built for you.

All solutions by area

AI by department

Where AI can help life insurance advisors.

Each one reads records you already keep, and a person approves every decision.

Services

The services behind it.

Business Process Automation

Approvals, reminders, follow-ups and reports that run on their own instead of on someone remembering.

Learn more

Web and Mobile Application Development

Web and mobile apps for customers, field staff and dealers, built to work on ordinary phones.

Learn more

ERP, CRM and Business Software Implementation

One record of stock, orders, customers and accounts, set up so your team opens it every day.

Learn more

All our other services

Guides

Written for life insurance advisors.

Practical notes on running the business, not product marketing.

Mistakes Life Insurance Advisors Make When Moving Their Book to Software

Common slips when a life insurance advisor moves policies from a diary to software: no family links, unchecked imports, stale nominees and generic reminders.

Learn more
How it works

How the work runs from Bengaluru for your city.

  1. 1

    The audit, by call

    A screen-share and a look at the sheets, accounting reports and WhatsApp groups your team uses. No travel needed.

  2. 2

    A written proposal

    Scope, what we build first and the cost, agreed in writing before anything starts.

  3. 3

    Build in short rounds

    Working screens shared every few weeks. Your team tests them from your own office.

  4. 4

    Go-live, in person when it helps

    For data migration and training we can come to your city. Travel is agreed in advance.

  5. 5

    Support online

    Fixes, changes and hosting handled remotely by the same team that built it.

Our work in this sector

Software we have built and run in this sector.

Published with the client’s agreement, with what was built and what changed.

All case studies
Microfinance and Self Help Groups

Vikasa RDO: making SHG loan recovery auditable

Loan proposals, recoveries and commissions sit on one record, with a person attached to every state change, so a business handling a bank’s money can show where each rupee went.

Read the case study
Common questions

Questions life insurance advisors ask before they call.

Can it read data from the insurer’s agent portal?

Not built in. A link is scoped during set-up where the insurer offers a report or feed you may use. Otherwise your staff record each premium paid against the policy.

I sell health and motor cover as well. Does this cover that?

Not in the life product. Premium dates, lapse and revival are built for life policies, and motor, health and fire renewals sit in General Insurance Agency Management Software, a separate product.

Can premium reminders go on WhatsApp without typing each one?

Yes. Each message is built from the due calendar with the client’s name, policy number, amount and date, in wording and timing agreed with you.

Does commission reconciliation come with it?

Commission and incentives are recorded insurer by insurer and matched against your statement. Your accountant settles what withholding applies in your country and how it is filed.

How is an advisor’s system quoted?

How many families are on the book, which insurers are involved and how many assistants log in. WhatsApp reminders and a policy list to load are extra. A few real families go on screen first. After that a quotation names each part.

What should an advisor have ready?

Your premium diary or sheet, a few policy documents, the lapse list, maturity dates and nominee details for a sample family. Let the assistant who handles calls try early screens. Short and practical.

Do the family policy records stay mine if I stop?

They do, and the programme too. The whole policy book can be had as clean worksheets at any moment. Support carries on with the same builders, never a new vendor. Hosting is ours unless you wish otherwise.

What happens after I share my requirements?

An engineer reads what you send and replies within one business day. We then look at the software, spreadsheets and WhatsApp groups your business runs on today and write down what works, what slows your team down and what is missing. A demo login, a screen-share or a few screenshots are enough. You get a short written summary ordered by priority, with no obligation to hire us afterwards.

How much will the software cost?

We don’t publish a price, because it depends on what the system has to do. That first review settles the scope, and the cost goes into a written proposal before any work starts.

In Bengaluru

Bengaluru areas with many life insurance advisors.

Related

Related industries.

Category

Part of these wider groups.

Talk to us

Tell us how your business runs today.

A few lines on your spreadsheets, software and WhatsApp groups is enough. We reply the same working day.

What happens after you share your requirements

  1. A senior engineer reads your answers. Nobody phones first.
  2. Within one business day you get a written note: what we understood, what we would start with, and the questions we still have.
  3. If it fits, a proposal follows with the order of work, what we need from you and what you receive at each step.
  4. No call is booked and nothing is paid until you have read the note. Your details stay with us.

Start with your requirements

Seven short steps that tell us what you need. A senior engineer reads them before anyone gets in touch.

Share your requirements