BANCASSURANCE

Empowering Bancassurance

Lift RM productivity, shorten branch journeys, and settle partner fees accurately through AI-enabled bancassurance solutions.

Bancassurance sells insurance through people who do not sell insurance for a living. The relationship manager has minutes, competing banking targets, and maybe even a pending certification. The insurer then settles fees with a partner whose branch structure sits in a different system. C2L BIZ connects the bank journey, the insurance journey, and the compensation behind both.

Common Challenges

Low relationship manager productivity

Insurance competes with deposit, lending, and fee targets. Without short journeys that fit a branch conversation, it loses to whatever is easier to sell.

Staff turnover and certification lag

Bank staff rotate frequently – every new seller needs licensing, certification, and a code. Each week of lag is a week of lost counter productivity.

Sales journeys too long for a branch

A full need analysis and illustration takes longer than the customer is in the branch. RMs abandon the journey and revert to paper.

No visibility across the bank hierarchy

Insurers report by agent code while banks manage by branch, cluster, region, and zone. Neither side sees performance in a structure it recognizes.

Complex partner fee reconciliation

Fees are payable to the bank entity, then split internally across branches and staff. Manual reconciliation strains the partnership every settlement cycle.

Transform Bancassurance Distribution with SymbioSys

C2L BIZ digitizes bancassurance across RM enablement, staff onboarding, underwriting, and partner compensation. Consolidate on one configurable platform.

Advisor onboarding

e-Onboarding

Bank staff onboarding

Sales Tool

Branch-ready selling

Auto Underwriting

Instant decisions

Commission

Partner settlement

Incentive

RM incentives

Contest

Branch contests

Hierarchy

Bank structure mapping

Business Outcomes That Matter

What bancassurance leaders achieve when the bank journey and the insurance journey run together.

Higher RM productivity

Faster partner activation

Reduced NIGO rates

Better branch-level visibility

Accurate partner settlement

Stronger compliance position

Why C2L BIZ?

C2L BIZ has built insurance distribution technology since 2007 and does nothing else.

End-to-end Digital Distribution Transformation across the value chain
Celent-recognized across DMS, Sales Tool, and Underwriting
Low-code configuration, launched by business teams
Cloud SaaS on Azure and AWS, or on-premises
9 of 30
Global Insurers
25+
Bank Partners
19+ Yrs
Of Experience

FAQs

SymbioSys Core Admin Suite is C2L BIZ’s policy administration platform for retail health and micro insurance carriers. It includes two modules: SymbioSys Health PAS and MicroSys. Together they provide the administrative foundation that generates real-time operational data to drive smarter distribution decisions.

SymbioSys Health PAS is a retail health policy administration platform built for the digital insurance ecosystem. It manages the full policy lifecycle: automated underwriting, real-time policy issuance, instalment premiums, bonuses, renewals, endorsements, portability, refunds, and both cashless and reimbursement health claims processing. SymbioSys Health PAS has processed over 10,000 quote generations per hour. It enables new product launches in under 10 calendar days. SymbioSys Health PAS has been recognized by Celent as a Noteworthy Solution in its global Health Policy Administration System report.

MicroSys is an end-to-end policy management system built for micro insurance. It covers low ticket values, high transaction volumes, simplified products, and last-mile distribution. It manages product configuration, new business, billing, servicing, claims, channel configuration, and finance management on a single platform. Last-mile capabilities include digital submission, flexible collections, policy certificate printing, claims intimation, and compensation management for affinity groups and micro insurance distribution partners.

The Lowest-Risk Way to Start Your Distribution Transformation

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