Advisors talk. Darwix completes the proposal.
Pre-fill what you know, capture answers as the customer speaks, probe where needed, flag mismatches and give underwriting a complete, confirmed case.
Everything depends on a form still filled by hand.
Underwriting and claims rely on the proposal, yet it's still filled by hand. “I don't smoke regularly” becomes “No”. Income differs across CRM, form and ITR.
Life insurance runs on utmost good faith, and the proposal form is where disclosure is captured. Getting it clear, complete and confirmed at the source matters.
Data entry, not conversation
Advisors type while customers wait, re-asking data the insurer already holds.
Answers that lose their meaning
Nuanced disclosures are squeezed into Yes/No checkboxes.
Problems found too late
Gaps surface as underwriting queries, drop-offs and claim disputes.
From conversation to underwriting-ready proposal.
One natural conversation. No reading the form aloud.
Watch a proposal complete itself.
Follow one conversation as each field fills and checks itself.
Understand the answer, not just the first word.
Customers rarely answer yes or no. Darwix captures what they meant.
Ask less when less is needed. Go deeper when the disclosure requires it.
Never ask what you already know.
Known details are pulled from your systems and confirmed with the customer. Every value keeps its source.
Complete is not enough. It must be consistent.
What the customer says is checked against CRM, the advisor's entries and documents, live.
Every material change keeps its reason and timestamp. Find the inconsistency while the customer is still on the call.
The proposal sets the record for what follows.
Underwriting, issuance and claims all start from this record.
Underwriting
A structured case: completed proposal, summary, positive disclosures, financial and existing-insurance context, documents and extracted values, discrepancies, required workflow, declaration and lineage.
Tele-medical / video medical
Proposal context and positive disclosures carry into the medical conversation, so the customer doesn't restart.
Video PIVC
The proposal becomes the verification context for product, sum assured, premium, term, riders, nominee and disclosures.
Evidence reconciliation
Later results are compared against the proposal baseline.
Pick up exactly where the customer left off.
Customers start with an advisor, continue on a call, and finish on the app. When they return, Darwix resumes from the last completed section. Nothing confirmed is asked again.
One engine. Every product.
Term, savings, ULIP and health, each with its own logic.
Darwix can structure the customer need captured in your approved sales process: protection need, family goal, retirement, gap in existing cover, affordability. It doesn't independently recommend a product outside that framework.
Fits your stack. Protects sensitive data.
Connects to your core systems with strict data controls.
Purpose-limited access
Only data authorised for the proposal workflow.
Role-based access
Proposal, financial, medical and document data by role.
Sensitive-data protection
Health, identity and financial data protected in transit and at rest, with masking where required.
Consent traceability
Confirmation and consent events preserved with the proposal version.
Source traceability
Where every material field came from.
Controlled write-back
Define what updates your systems and what needs review.
Model and rule governance
Question logic, extraction behaviour and versions tracked.
Residency and retention
On-prem, VPC or cloud per your policy.
Faster proposals. Fuller disclosures. Fewer follow-ups.
The impact on advisors, customers and underwriting.
Conversation in. Proposal out.
What makes Proposal Automation different.