Our Platform
Augment your human teams with skilled AI Co-Workers
to boost sales and cut operational costs
Whether embedding products into partner ecosystems, enhancing direct-to-customer sales, or equipping brokers, agents, and Banca partners with the best tools, Democrance Pulse Platform, coupled with Democrance AI Teams, helps you grow your sales and transform how you service your customers, from quote to bind, to endorsements, to claims (FNOL), to renewal.
Trusted by leading insurers
AI Sales Teams
Increase distribution partners’ productivity by 9x while strengthening their loyalty and enhancing the end customer experience.
Give your Agents & Brokers the tool they’ve always dreamt of. Their new AI Sales Co-Workers can autonomously interact with HR Managers and Employees, collect and validate company and census data, quote and bind, or cooperate with the AI Underwriting team in case a referral is triggered.
Features
- Empathic: friendly communication with end customers
- Persistent: follows up with end customer to close the case faster
- Data oriented: collects, cleans and validates relevant data for quoting
- Transparent: updates brokers and agents of case progress
AI Underwriting Teams
Increase Underwriters’ Team capacity by 12x while relieving them from tedious manual taks and reducing UW leakage.
UW Teams can focus on monitoring and training their new AI Co-Workers. The AI Underwriting team autonomously analyzes medical reports, identifies relevant medical conditions and adjusts loadings accordingly. Human-in-the-loop workflows allow human Underwriters to review the proposed adjustments before binding.
Features
- Analytical: reviews referrals case documentation
- Accurate: identifies exact factors requiring loading
- Autonomous: adjusts premium based on configured pricing
- Sensitive: data filtering with guardrails
- Compliant: Zero “data sharing for model training” policy
- Global: adapts to data residency requirements
All Distribution Channels & APIs in a Box
Direct sales, Intermediaries or any digital 3rd party via seamless API integrations.
Optimized Direct-to-Customer out-of-the-box journeys for all insurance products; Intermediaries Portal for Agents, Brokers or Banca partners; and any other digital 3rd parties’s ecosystems (Online Aggregators, Supper Apps, Mobile Wallets, Telcos, HR Platforms, Retailers, MFIs, Govt. and more).
Features
- Direct to Customer
- Brokers, Agents and Banca
- Aggregators and HR Platforms
- Super Apps and Mobile Wallets
- Telcos and Money Transfer Operators
- MFIs, Government and more
Policy Admin System + 3rd Party API Ecosystem
Democrance Pulse includes an out-of-the-box Customer Self-Service Portal for individuals and corporates’ comprehensive management of their active policies and claims (FNOL), including the activation/deactivation of specific covers, behavior-based rewards tracking, billing, endorsements and more. An adjacent ecosystem of out-of-the-box 3rd party API integrations facilitate the exchange of data with health and transport authorities, external UW engines, payment gateways, TPAs, legacy core systems or KYC/AML in order to simplify the customer experience and operations.
Features
- Toggle Covers On/Off
- Billing
- Purchase Add-Ons
- Access Policy Documents
- Make Endorsements or Cancelations
- Initiate and Track Claims (FNOL)
- Policy Renewal
No-Code Product Configurator
The Lego of Insurance Technology
5 building blocks to configure and start selling and servicing any product (retail and commercial Life, Health or P&C) via any distribution channel. Configure the automation of any level of UW complexity using your existing rates and rules (or any 3rd party). Make any changes to your products in seconds, without depending on slow vendors or integrators which charge extra fees.
Features
- Configurable data points
- Configurable journeys / workflows
- Configurable UW & automation rules
- Configurable computation engine
- Configurable documentation
Product Agnostic
Configure and distribute any insurance product with Democrance Pulse across all lines of business, from simple pre-underwritten products for individual customers to complex group schemes for Corporates and SMEs.
Features
- Life
- Health
- P&C
- Personal lines
- Commercial lines
Comprehensive Data Ecosystem
Unlock new portfolio insights, enhance customer experience, and boost sales with built-in Analytics
Features
- Visual sales dashboards (GWP)
- File/API Data Imports/Exports
- Third-party data sources integrations
- Third-party services integrations
