One connected system for policies, premium due dates, benefits and commission.
Manage a life insurance advisor’s clients, families, policies and premium due dates in one system. Endowment, term, money-back and pension plans sit under each family, whichever insurer issued them. Lapses, maturities, claims and commission are all tracked from those same records. One family, one place.
- Plans, insurers, premium modes and commission rules entered as your agency works
- Client list and every running policy migrated from your diary and sheets
- Set up and supported by the same remote team
Life Insurance Agency Management Software is the insurance CRM GullySystem sets up for life advisors, agencies and development officers. It holds an advisor’s families, policies and premium due dates together. Endowment, term, money-back and pension plans sit under one family, whichever insurer issued them. Lapsation, revivals, maturities and claims are logged there too. Commission is matched against insurer statements.
What goes wrong before the software.
How the work flows through it, step by step.
- 1
Prospect
A family is recorded with its members, dependants and existing cover. The advisor notes the need and the next meeting.
- 2
Proposal
The chosen plan, insurer, sum assured, premium mode and nominee are noted, with KYC papers and medical requirements as they come in.
- 3
Policy issue
The policy number, premium, premium paying term and benefit schedule are recorded, and the bond is stored with the family.
- 4
Premium collection
Each due date is reminded. The premium is paid by cheque, card, auto debit or at the insurer, and a receipt entry follows.
- 5
Benefits and claims
Survival benefits and maturity are tracked by date. A death or maturity claim is followed until the insurer settles it.
- 6
Commission
Each insurer’s statement is matched to the policies sold, and any line that does not match is listed. Gaps stay visible.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
Client and nominee records
Keep contact details, family links and nominees for every client, with KYC papers in a document vault and all their policies listed together.
Learn moreLife policy register
Record every policy with its insurer, number, plan, sum assured and dates, searchable across the agency.
Learn morePlan details and riders
Hold plan type, premium paying term, policy term, riders and the benefit schedule for each policy.
Learn morePremium due calendar
See new and renewal premiums falling due by day, week and month, by premium mode and by advisor, with reminders to clients.
Learn morePremium receipts
Record each premium paid with its date, mode and receipt, and keep a payment history for every policy.
Learn moreLapse and revival follow-up
List policies in grace, lapsation and revival conversations, with the next call noted against each.
Learn moreMaturity and survival benefits
Track money-back instalments, maturity dates and benefit papers so that each client is contacted before the date.
Learn morePolicy loans and surrender
Keep a record of loan requests, surrender enquiries and paid-up conversions against the policy they concern.
Learn moreDeath and maturity claims
Follow a claim from intimation through documents and insurer queries to settlement, with a log of every call.
Learn moreCommission and incentives
Match first-year and renewal commission to insurer statements, and see what each advisor, sub-agent and team has earned.
Learn moreProspects and proposals
Track new leads, needs discussed, proposals filed and pending requirements until the policy is issued.
Learn moreThe business modules it is built from.
Each one is also available on its own, or inside a system built for you.
- Contact & Account Management
An advisor opens one client record showing contact details, family links, nominees, KYC papers in the vault and every policy held by that household.
- Service Reminders
The premium due calendar lays out new and renewal premiums by day, week and month, with reminders to clients and a view by advisor.
- Receipts Management
Every premium paid is entered with its date, mode and receipt number, building a payment history that sits against each individual policy.
- Collections and Payment Follow-Up
Policies in grace, lapsation and revival are listed for the follow-up team, with the next call noted against each one.
- Commission and Incentives
First-year and renewal commission is matched with insurer statements, so each advisor, sub-agent and team can see what has been earned.
- Lead Management
Prospects move from needs discussion through proposal filing and pending requirements until the policy is issued, with the owning advisor visible throughout.
- WhatsApp, SMS and Email Notifications
Clients receive reminders for upcoming new and renewal premiums, drawn from the same due calendar that advisors use to plan their calls.
How we would put it in.
Setup, data migration, integrations and anything built on top.
Topics beyond the modules.
Each page covers one part of how the system is used, connected or controlled.
Reports for Life Insurance Agency Owners and Advisors
These reports come from the policies, due dates, receipts and statements that the desk already records.
Learn moreLife Insurance Agency Software Connections to WhatsApp and Wallets
The agency system connects to the messaging and payment channels that advisors already use with their clients.
Learn moreLife Insurance Agency Views for Advisors and Staff
An agency has several people who touch the same policy, and each needs a different view of it.
Learn moreOne system, each person sees their part.
For the agency owner
See premiums due, lapses, benefits coming up and commission by insurer, advisor and team.
For advisors
See your own clients, the premiums due this week, policies in grace and the calls you have noted.
For the servicing desk
Record receipts, send reminders, update nominee and address changes and chase insurer requirements.
For team leaders
See the proposals and renewals of your advisors, and the policies at risk of lapsing.
The numbers the owner asks for.
- Premiums due by month, mode and advisor
- Policies in grace and lapsed, with revival status
- Maturities and survival benefits due
- Commission by insurer, plan and advisor against statements
- Cover held by each family, by member and by plan
- Prospects and proposals by stage
Who this is built for.
- Individual advisors who hold a book of policies for one or more insurers
- Agencies with several advisors under one owner
- Development officers and team leaders who guide a group of advisors
- Advisors with a long-running book of money-back and endowment plans
- Multi-insurer life advisors with clients across several companies
When it is not the right choice.
- An advisor with a few dozen policies can get by on a diary and the insurer’s own portal.
- A general insurance agency selling motor, health and fire cover will find General Insurance Agency Management Software fits that work better.
Adapted to your business before it goes live.
You are not handed a login and left to it. The product is set up around your records, your people and the tools you already use.
Works alongside
- SMS
- Mobile wallet and payment gateway
Questions owners ask before a demo.
I sell LIC, a private insurer and some health cover. Where does each go?
Life policies sit together here, LIC and private insurers alike, with each insurer’s plans and commission rules entered as you hold them. Health, motor and fire cover belong in General Insurance Agency Management Software, which is a separate product. An advisor with a mixed book runs both.
Can it remind clients before a premium falls due?
Yes. Reminders follow each policy’s due date and premium mode, and reach the client as WhatsApp, SMS or email messages. The wording and timing are agreed with you, and the wording can be in Hindi, Kannada or another language your clients read.
Does it show policies in grace, and will it show my persistency?
Policies past their due date are listed with the grace period and the advisor’s calls. How long grace runs comes from the insurer’s policy terms. There is no persistency figure. You see the dues, lapsation and revivals that sit behind one.
Can it keep track of maturities and money-back instalments?
Yes. Each benefit date is recorded against the policy, so the desk can contact the client and collect papers before the date. Nobody waits for a call.
Can my advisors and sub-agents log in and see only their own clients?
Yes. An advisor opens their own clients, the premiums due this week and the calls noted against them. The owner and the team leader see the wider book. Who sees what is set when the agency is configured.
Does it pay premiums or talk to the insurer’s portal?
Not built in. Premiums are paid where the insurer accepts them, and the receipt is recorded here. Any link to an insurer’s system is scoped during set-up.
Can commission be checked against insurer statements?
Yes. Statement lines are matched to the policies sold, and unmatched lines are listed. Rates and rules come from your own agency terms.
Can an existing book be moved in?
Yes. Clients, policies, nominees and due dates are imported from your diary or sheets, and the desk checks each imported row before launch. Fields are not read out of a policy PDF or a photo. The bond is stored against the policy once the record exists.
Who owns the client data?
You do. The proposal sets out, before work begins, how clients, policies and nominee records are handed back to you.
Do we need this for a small book of policies?
Probably not yet. With a few dozen policies, a diary and the insurer’s portal will do. This is an agency system for a shared book, not a single advisor’s app. A free technology audit can say so plainly.
Wondering what it costs? Six questions give you a written scope and the buckets any quote should separate.
Written for this trade.
Practical notes on running the business, not product marketing.
How to Automate a Life Insurance Agency or Advisor Practice
Client families, policies, premium due dates, claims and commission statements: what a life insurance advisor or agency sets up first when moving off the diary.
Learn moreHow to Track Life Insurance Premium Due Dates and Policyholder Follow-Ups
How advisors and agencies list premium due dates by mode, remind policyholders, note grace-period calls and keep revival conversations visible on one record.
Learn moreBusinesses that use this.
Related products.
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