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InsurTech InsurTechFinTech

BimaSaarthi

More than a CRM — an opportunity engine.

Client LIC Insurance Agent · Andhra Pradesh
Type InsurTech Platform
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Overview

A complete management system for a professional LIC insurance agent handling 500–1,000 active policies in Andhra Pradesh — a Django + HTMX web dashboard, an offline-first Flutter app for Android and Web, MongoDB and WhatsApp Cloud API automation. The agent needed to track premium due dates, spot the right cross-sell at the right moment, and reach clients where they actually read messages.

500–1K

Policies tracked

16

Feature modules

126

Tests passing

Offline-first

Mobile sync

What made it hard — and how we solved it
01

Encrypted client & policy vault

AES-256-GCM field encryption on sensitive data, OTP + JWT login with device binding, and role-based access for admin, helper and viewer.

02

Automatic lead generation

Pure, unit-tested logic surfaces maturity-reinvestment leads, cross-sell matches, birthday urgency and referral pipelines — without manual review.

03

WhatsApp-native follow-ups

Premium due reminders, birthday and anniversary wishes, and a daily digest, all delivered through the WhatsApp Cloud API.

Inside the build

Everything shipped, module by module.

Multi-provider AI assistant

  • Gemini → NVIDIA NIM → OpenRouter → Grok
  • Plan & premium explainers
  • Chat-based Q&A on a client’s policies

Premium calculator & adviser

  • Plan comparison
  • HNI (>₹2L premium) auto-tagging
  • Maturity-date projections

Offline-first Flutter app

  • Android + Web targets
  • Local-first sync on reconnect
  • Secure encrypted token storage

LIC portal data import

  • Native Merchant Portal format
  • Excel + PDF register parsing
  • Bulk client & policy onboarding

Travel & commission tracking

  • Trip & mileage logging
  • Commission ledger
  • Follow-up & lead register

Reminder & backup automation

  • Due-date reminders & daily digest
  • Automated backups + restore
  • Birthday / anniversary wishes
Technology

The stack behind it.

Django 5.1 HTMX DRF + SimpleJWT MongoDB (PyMongo) Flutter + Drift AES-256-GCM WhatsApp Cloud API
Measurable results
500–1K

Policies managed (single-agent book)

126

Automated tests (115 backend + 11 Flutter)

16

Feature modules

2

Platforms (web + mobile)