How it works — Insurable.dev

i The model

One licensed advisor. Six assistants. One team for you.

A POSP-certified human advisor is at the centre — the only person in India legally allowed to recommend life or health cover. Six AI assistants surround them, handling everything the human shouldn't have to.

Schematic · Insurable advisor desk

★

Licensed POSP advisor

Listens · advises · submits

REGULATED

01

Conversation Assistant

VOICE

02

Match-Maker

ROUTING

03

Comparison Engine

QUOTES

04

Paperwork Assistant

KYC

05

Compliance Watchdog

BLOCKING

06

Lifetime Companion

SERVICE

Each assistant operates inside guardrails. None of them is empowered to recommend a policy or submit a sale — that authority sits only with the licensed advisor.

The advisor's job becomes the part the regulator cares about — and the part customers actually value: listening, understanding, and recommending with care.

Everything else — qualifying needs, preparing comparisons, filing paperwork, checking compliance, sending reminders — moves to the AI layer. That's how one advisor can serve 100× the customers with more attention, not less.

The compliance watchdog has veto power. If the recommendation doesn't match the customer profile under IRDAI suitability rules, the submission is blocked — even if the advisor approved it. The human is the final say on care; the system is the final say on rules.

ii A conversation, end-to-end

What it feels like — step by step.

01 · First contact. You sign up, request a callback, or our voice assistant — speaking your preferred Indian language — reaches out, only after consent and DNC-clearance. The assistant understands your basic situation in five minutes.
02 · The right match. Based on what you've shared, we route you to a POSP advisor who specialises in your needs, speaks your language, and isn't already overloaded.
03 · Real advice from a real person. The advisor walks you through options. Behind the scenes, AI prepares comparisons in real-time, flags compliance issues, and auto-fills the paperwork.
04 · Easy onboarding. PAN and Aadhaar verification via Digilocker — no scanning, no couriers. Medical questions handled with care, with the AI assistant available for follow-up.
05 · Lifetime support. The day after your policy is issued, your WhatsApp assistant is active. Premium reminders, policy questions, claim help, annual reviews — for as long as you hold the policy.

iii The six assistants

Each one does one thing well.

No agent recommends policies. No agent submits sales. Each is a specialist with a narrow remit and a clear handoff back to the human.

01

Conversation

The Conversation Assistant

Speaks Hindi, Tamil, Telugu, Kannada, Marathi, and English. Listens to your situation. Asks the right questions. Never tries to close you on a product.

02

Routing

The Match-Maker

Routes your case to a POSP advisor who has experience with your specific needs — health condition, age group, language, financial situation — and isn't already overloaded.

03

Comparison

The Comparison Engine

Side-by-side comparisons across insurers, in plain English. Surfaces exclusions, waiting periods, and hidden costs that most agents won't mention.

04

Paperwork

The Paperwork Assistant

KYC via Digilocker. Pre-filled forms. Document checking. Gentle reminders if something is missing. No following-up-with-couriers nonsense.

05

Compliance

The Compliance Watchdog

Every recommendation is checked against IRDAI suitability rules in real-time. If something doesn't fit, the submission is blocked. Structural — not a "review every Friday" promise.

06

Service

The Lifetime Companion

WhatsApp, for the life of the policy. Premium reminders 30 days early. Claim status updates. Annual reviews. A shared family wallet so the household knows what's covered.

iv Compliance, by design

Mis-selling is not monitored — it's blocked.

A retrospective audit catches mis-selling after the customer has already been harmed. We don't accept that trade-off.

	Industry standard	Insurable.dev
Suitability check	Retrospective audit, monthly	Real-time, at submission
Failure mode	Sale completes, complaint filed later	Submission blocked, advisor coached
Conversation record	Selective, on complaint	100% recorded, monitored
Forbidden-phrase detection	None	Real-time NLP, every call
Commission disclosure	Buried	Shown to customer at recommendation
Customer profile vs. recommendation	Advisor judgement	Rule engine, IRDAI-aligned

v Insurers & integrations

Built on the rails IRDAI has already laid.

Bima Sugam — the IRDAI-backed open insurance marketplace — standardises insurer APIs for the first time. A single integration point opens us to every major life and health insurer in India.

In discussion · Q3 2026

No insurer partnerships have been signed yet. The logos below are placeholders for the integration matrix we're working toward — we'd rather show empty slots than borrow credibility we haven't earned.

Insurer 01

Health · Top-5

Insurer 02

Life · Traditional

Insurer 03

Life · Top-5

Insurer 04

Health · Digital

Insurer 05

General · Digital

Insurer 06

Life · Bancassur.

vi Honest about today

What we can't do yet.

We will not pretend we are further along than we are. Pre-launch means pre-launch.

We are not yet licensed. We plan to apply for the IRDAI Direct Broker License. Until it is granted, nothing on this site is an insurance solicitation. We cannot sell, place, or distribute policies today.
Insurer integrations are not signed. We are in discussion with multiple insurers. None have been signed. The Bima Sugam framework will enable integration, but the agreements are still ahead of us.
The advisor cohort is still onboarding. We are recruiting our first POSP-certified advisors. The compliance officer role is in active hiring.
Voice AI is in pilot, not production. Voice AI for Indic languages is in pilot testing and not yet handling real customer calls.
When the license is approved, we'll open early access to our waitlist first. Until then, we're sharing what we're building so you can decide whether to be part of it from day one.

Human + AI. Side by side. Built for trust.