Our Platform

Democrance’s platform is constantly evolving to support different personal and commercial insurance products of varying underwriting complexity. Our platform’s flexibility, coupled with the platform’s digital and mobile capabilities, allows insurers to target customers from the high value end all the way down to untapped population segments using one single tool.

We provide a plug & play and fast-to-market platform covering the entire insurance value chain – from the customer experience to the back-office processes.

We securely and effectively:

  • Configure, price and underwrite insurance products
  • Manage marketing activities
  • Provide personalized campaign management
  • Automatically issue and administer policies
  • Provide user access via a variety of digital and mobile channels through which customers can buy and get their insurance products serviced (Web, in-App, SMS, USSD, Partners Portal…)
  • Process payments
  • Handle claims without requiring complex integrations with legacy systems.

We work with some of the most established insurance companies in the industry, and we understand the need for data security well. All our data sits with the most reputable cloud hosting providers in the world and can also be deployed locally.

What can you do with Democrance’s
*Software as a Service* platform?

  • Online Sales D2C

  • One-Click Renewals

  • 3rd Party Distribution via APIs

  • Digital Broker / Agent Portal

  • M–Claims and E–Claims

Start selling directly from your website or via targeted sales campaigns on WebAd’s, Facebook, SMS, Email &USSD

  • Automated Underwriting Engine
  • White-labeled Customer Journey
  • Online Payments via gateway/DCB
  • Dynamic Landing pages
  • Comprehensive Reporting
  • Instant quotation

Digitally engage with exisiting policy holders before policy expiry to increase Renewals and Up-/Cross-Sell

  • Targeted communications prior to policy end date
  • Pre Underwritten or Automated Underwriting
  • Customised insurance documentation
  • Increased retention rates
  • Cross-Distribution channel sales
  • Up-Sell/Cross-Sell customised offers

Distribute your products via 3rd parties (Banks, Telcos, Mobile Wallets, Money Transfer, Mobile Apps…) via Democrance APIs

  • 3rd party manages the Customer Experience
  • 3rd party integrates with Democrance API
  • Democrance Back-End for policy admin & claims
  • SMS/email/Web add-ons to enhance journey
  • Test&Learn new channels, campaigns & partners
  • No integration required

Empower your Agents/ Brokers to sell quicker & streamline broker/ underwriter communications via our white-labeled front-end and policy admin module

  • White-labeled front-end and policy admin module
  • White-labeled Portal for Brokers
  • Instant Quote Generating
  • Multi-product, multi-insurer
  • Referrals system for Underwriters
  • Minimizing the Sales Timeframe
  • KPI Dashboards and customised Reporting

User-friendly online claims journey – Track, Manage & digitise claims

  • E-FNOL & Fast Track Claims
  • File Claims Online & Upload Documents
  • Customer can check claim status online
  • Automated SMS/Email for customer comms
  • Back-End for claims assessors
  • No Paper or Manual Work