Streamline Digital Sales Journeys. End to End
SymbioSys Sales Suite is C2L BIZ’s end-to-end point-of-sale platform for insurance. This fully integrated suite of purpose-built modules digitally transforms every stage of the sales journey. These span right from first engagement and product illustration through electronic application, AI-powered underwriting decisions, and intelligent in-force policy servicing. Leverage extensive AI capabilities across the suite to further boost distribution performance. SymbioSys Sales Suite is proven across 9 countries and trusted by over 1 million agents and advisors globally.
True digital sales transformation is not about adding an app to your agents’ phones. It is about rethinking the entire sales journey, from the first conversation with a prospect to the issued policy and beyond. SymbioSys Sales Suite gives insurers a single, deeply configurable platform that covers every step, whether it is consultative illustration, compliant e-applications, AI-powered on-field underwriting decisions, or proactive in-force engagement. Over 15 million sales illustrations generated. Over 8 million applications underwritten. Seven AI capabilities live in production. One suite.
Industry Challenges
Sales transformation in insurance demands more than a digital front-end. Insurers face these critical barriers across every step of the sales journey.
Agents rely on paper-based or fragmented digital tools that break the sales conversation. It extends the time from prospect to issued policy.
Product illustrations are inconsistent across channels. This exposes insurers to NIGO risk, regulatory non-compliance, and erodes customer trust at the point of sale.
Electronic applications are not connected to the illustration or underwriting layer. It forces agents to re-enter data, resubmit cases, and follow up with customers unnecessarily.
Field forces operating in low-connectivity or offline environments are unable to complete the full sales cycle. A common scenario in high-growth rural and emerging markets.
Underwriting decisions that require back-office processing delay policy issuance, increase dropout rates, and weaken the customer experience. Especially when it matters most.
Existing policyholders are not proactively engaged in policy sustainability and coverage gaps. This creates lapse risk and missed cross-sell opportunities throughout the policy lifecycle.
A Unified Point-of-Sale Journey
SymbioSys Sales Tool brings together Lead Management, Financial Need Analysis, Product Recommendation, Sales Illustration, e-Application, document capture, and payment collection on one intuitive platform. AI-powered identity verification covers ID OCR, photo-to-ID image matching, liveliness detection, and signature validation. Eliminate identity fraud and NIGO submissions at source. Enable your agents to close the entire journey on a handheld device, online or fully offline – all without switching between systems or breaking customer conversation.
Configure Once. Sell Everywhere.
A unified, no-code Product Configurator powers consistent sales illustrations, underwriting rules, and e-Application logic across every channel and platform simultaneously. Business users can configure and launch new products across devices and platforms without IT dependency. Compress time-to-market from weeks to days.
Decisions on the Field. Engagement After the Sale.
SymbioSys Auto Underwriting delivers standard, sub-standard, and counter-offer decisions in real time, even in disconnected mode. Agents can close policies during the first meeting. With SymbioSys In-force Illustration, your service team proactively engages existing policyholders on coverage changes, rider additions, and policy sustainability. AI-driven early lapse and early claims prediction identifies at-risk policyholders based on behavioral and profile signals. Give your team the intelligence to intervene before a policy lapses. Turn every policy event into a relationship touchpoint.
Ready to transform your agents' sales journey from first conversation to issued policy? That too, digital, compliant, and at scale?
Key Features
Built for the complexity of global insurance distribution, and not just ideal market scenarios. Proven across 9 countries, multiple lines of business, and diverse regulatory environments. With powerful AI capabilities, intelligence is built into the platform from the start.
Launch in Weeks, Not Months
Low Code, No Code architecture, and ready APIs mean your agents are live on a fully configured platform. That too in a fraction of the time traditional implementations require.
Faster Product Time-to-Market
Business-user configurators for products, illustrations, UW rules, and e-Application forms reduce IT and vendor dependency at every product launch. Your sales force can sell new products before your competitors do.
Configure Without Tech Support
Business teams manage product rules, illustration parameters, underwriting logic, and regulatory output controls. Empower their independence. Eliminate the need to raise change requests.
Maximum Offline Capability
Sales Illustration, e-Application, and Auto Underwriting all function in fully disconnected mode. SymbioSys Sales Suite is uniquely suited to rural field forces, high-volume agency channels, and markets with unreliable connectivity.
100% NIGO Elimination
Intelligent at-source validations, reflexive UW questionnaires, and document capture within the e-Application eliminate not-in-good-order submissions. AI-powered OCR extracts and validates data from identity and mandate documents automatically. AI also auto-generates UW document summaries to accelerate assessor review. Reduce back-office rework and accelerate straight-through processing.
Multi-Platform. Multi-LOB. Multi-Market.
Runs on Android, iOS, and Windows across tablets as well as laptops. Supports Life, Annuity, Pensions, Group Life, Health, and P&C, in multiple languages and currencies – across 9 countries and counting.
Business Impact
Every SymbioSys Sales Suite implementation is measured against real business outcomes instead of technology delivery milestones.
Over 15 million sales illustrations generated across nine countries. The Sales Suite enables agents to deliver compliant, consultative, and compelling product presentations at every customer interaction.Over 8 million applications auto underwritten across 24 deployments globally. Our customers consistently achieve STP rates above 80% and 100% elimination of NIGO submissions.Up to 90% of agent adoption in the first year across multiple Asia-Pacific deployments. This is a direct result of intuitive design, maximum offline capability, and a sales journey that works the way agents actually work.New products go live in days, not weeks. Achieve this via business-user configuration of product rules, illustration outputs, UW logic, and e-Application forms, without IT or vendor dependency at every launch.Seamless Connectivity
SymbioSys Sales Suite’s design complements and strengthens your existing technology ecosystem instead of being a replacement. Ready APIs, SDKs, and proven integration methodology ensure fast, reliable connections across your organization.
Policy Administration Systems
Real-time and batch integrations with leading PAS platforms include Life Asia, Group Asia, and custom core systems. Ready APIs are available for online channels, backed by offline-capable SDKs for iOS and Android field applications.
SymbioSys Distribution Management
Native integration with SymbioSys DMS ensures real-time hierarchy data, channel configurations, and performance metrics flow across every touchpoint. Enable true omnichannel coherence from distributor to point of sale.
New Business and Underwriting Systems
Application data, UW decisions, and document packages submitted through SymbioSys e-Application are seamlessly handed off to SymbioSys New Business and Underwriting back-office platforms. Discover full audit trail and case status visibility.
Payment Gateways and Banking Channels
Supports integrated payment collection at point of sale, including direct debit mandates, credit card authorization, and mobile payments. All are captured, validated, and confirmed digitally before application submission.
Compliance and Regulatory Engines
Configurable, regulatory-controlled illustration outputs and disclosure management ensure all sales materials and application records meet local market compliance requirements. Meet mandates across every country in your distribution footprint.
Cloud Platforms and Infrastructure
Available on Microsoft Azure Marketplace and AWS, with SaaS, Private Cloud, and On-Premises deployment models. Equip your technology team with full flexibility that aligns with your existing infrastructure strategy and investment roadmap.
Case Studies
From leading European insurers entering new markets to the fastest-growing digital insurers in South-East Asia, SymbioSys Sales Suite has delivered measurable sales transformation outcomes. See how leading insurers across 9 countries leverage the power of SymbioSys Sales Suite.
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FAQ's
SymbioSys Sales Suite is C2L BIZ’s end-to-end point-of-sale platform for insurance. It is an integrated suite of five modules – SymbioSys Sales Tool, Sales Illustration, e-Application, In-force Illustration, and Auto Underwriting. Together, these modules digitally transform every stage of the insurance sales journey, right from first customer engagement through policy issuance and ongoing servicing.
The SymbioSys Sales Suite umbrella encapsulates five modules. These are:
- SymbioSys Sales Tool, the end-to-end sales enabler from lead to e-submission
- SymbioSys Sales Illustration, for interactive, compliant new business illustrations online and offline
- SymbioSys e-Application to enable digital application capture with UW questionnaires, document upload, and signature
- SymbioSys In-force Illustration for real-time and batch illustrations on policy events for existing policyholders
- SymbioSys Auto Underwriting to drive field underwriting decisions in real time, even in disconnected mode
Yes. SymbioSys Sales Suite is specifically designed for maximum offline capability. Sales Illustration, e-Application, and Auto Underwriting, all function in fully disconnected mode. These enable field agents to complete the full sales journey, including underwriting decisions, without an internet connection.
SymbioSys Sales Suite has been deployed across 24 sites in 9 countries. It is trusted by over 1 million agents and advisors. SymbioSys Sales Suite has processed over 15 million new business illustrations and over 8 million auto-underwritten applications.
Key outcomes include:
- STP rates above 80% achieved by multiple customers using Auto Underwriting
- 100% elimination of NIGO applications through at-source e-Application validations
- Up to 90% agent adoption rates in the first year of deployment
- New product launches completed in days rather than weeks through business-user configuration
SymbioSys Sales Suite supports Life, Annuity, Pensions, Group Life, Health, and Property & Casualty (P&C) insurance products. It is available across multiple languages and currencies, on Android, iOS, and Windows platforms.
SymbioSys Sales Suite connects to Policy Administration Systems, distribution management platforms, new business and underwriting back-office systems, and payment gateways through ready APIs (for online channels) and offline-capable SDKs (for iOS and Android). It is also available on Microsoft Azure Marketplace and AWS, with SaaS, Private Cloud, and On-Premises deployment options.
SymbioSys Sales Suite includes seven AI capabilities live in production. Identity and verification capabilities cover ID OCR for automatic document data extraction, photo-to-ID image matching, liveliness detection, and signature validation. Document and data capabilities include AI-powered OCR for Direct Debit and Credit Card mandate forms, and AI-generated UW document summaries that accelerate back-office assessor review. Risk and prediction capabilities include early lapse and early claims prediction, which identifies at-risk policyholders based on behavioral and profile signals. Upcoming AI capabilities on the roadmap include lead conversion probability scoring and AI-driven product recommendations.
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