The right customer. The right policy. Real consent.
Darwix Video PIVC confirms who is on the call, checks their answers against the proposal, flags possible mis-selling while the customer is still on video, and delivers audit-ready evidence for every case.
A “yes” isn't proof they understood the policy.
Most PIVCs capture a “yes” and move on. Mis-selling hides in the gap between what was recorded and what the customer was told.
IRDAI expects life insurers to use PIVC to prevent mis-selling and confirm customers are fully informed, including key terms such as sum assured, premium, policy term and premium payment term.
One video. Layered assurance.
Each call checks who the customer is, what they bought, what they understood and what they agreed to, and keeps the proof.
Find the sentence that changes the decision.
The most important signals are what customers say unprompted. Darwix hears them, checks the proposal and acts before the call ends.
From proposal to verified evidence, in one call.
Six steps from proposal data to an audit-ready outcome.
Load context
Proposal, product, premium, term, riders, nominee and declarations are pulled in before the call.
Capture consent
Recording and participation consent are recorded as evidence.
Verify identity
Presence, liveness and face match run to insurer rules. Low confidence becomes an explicit event.
Conduct the PIVC
A natural, policy-aware conversation. Mandatory questions stay mandatory.
Detect exceptions live
Every response is checked against the proposal as it's spoken. Approved follow-ups fire instantly.
Capture final declaration
Recorded with all confirmations and unresolved exceptions.
Generate evidence
Video plus structured, searchable, reviewable output.
The question is scripted. The answer rarely is.
Darwix understands what customers mean, not just what they say.
Every policy, verified its own way.
Verification adapts to the product, the customer and the risk.
Term insurance
What gets verifiedFlexible AI, within your rules.
Your questions, wording, disclosures and escalation rules stay in your hands.
Understand the call, not just the words.
Presence, attention and behaviour are read alongside the answers.
Video signals
Video signals are preserved as supporting evidence and interpreted by insurer-defined rules only.
Voice signals
Every important utterance becomes a usable verification signal.
Check the application while the customer is still on video.
Darwix checks the conversation against every source and records each mismatch.
Every session ends with a clear status.
Each outcome comes with a reason and the evidence behind it.
Verified
All identity, policy, disclosure and consent requirements met with no unresolved material exceptions.
Verified with exception
Core verification complete; non-blocking exceptions recorded for downstream handling.
Needs review
Material mismatch, low-confidence result or risk signal needs human review before the case proceeds.
Re-PIVC required
Technical, identity, response-quality or completion issue; re-attempt under configured process.
Customer declined
Customer declined consent or a required stage.
Failed verification
Mandatory conditions not met under insurer rules.
The full picture, without replaying the video.
A single record of identity, consent, answers and exceptions.
Session
session.*Identity
identity.*Policy verification
fields[]Consent trail
consent.*Conversation intelligence
transcript.*Video evidence
video.*Full recording with timestamped markers on flagged moments.
Decision evidence
decision.*Send the exception, not the whole video.
The field, the statement, the transcript, the timestamp and the rule, on one review card.
One conversation. Every exception. No blind spots.
Follow one call as Darwix spots and records each mismatch.
The call ends. The work moves on.
Verified outcomes trigger the next step in your workflow automatically.
Verified
Needs review
Re-PIVC
Customer question needs help
Fits the systems you already run.
Reads policy context in, and writes verified results back.
Video PIVC AgentBring policy context into the conversation. Push verified intelligence back into the workflow.
Sensitive video, enterprise-grade control.
Security, privacy and audit built into every session.
Deployment flexibility
On-prem, VPC or cloud.
Data protection
Video, audio, transcript and policy data encrypted in transit and at rest.
Access control
Evidence visible only to authorised users and systems.
Consent & traceability
Every consent event logged with full session history.
PII protection
Configurable masking of sensitive information.
Auditability
Session IDs, timestamps, outcomes, reason codes, evidence references.
Controlled AI
Questions, knowledge and escalation rules stay under insurer control.
Residency & retention
Insurer-defined location and retention, per deployment architecture.
Automate the routine. Keep the evidence.
Clean cases move on. Exceptions reach the right reviewer.
Scale PIVC capacity
Without scaling review effort linearly.
Cut manual verification effort
Automate routine confirmations, send exceptions to people.
Surface mis-selling earlier
Before issuance, not after a complaint.
Speed up review
Exact exception and timestamp, no full-video review.
Improve data quality
Corrections and disclosures captured as structured fields.
Strengthen consent evidence
Question, answer, policy context and timestamp preserved.
Standardise verification
Across products, languages and sessions.
Built for the whole decision, not just the call.
What makes Darwix Video PIVC different.
From video verification to pre-issuance intelligence.
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