Powering 7,500 registrations and 50,000 transactions daily with digital transformation

  • 7 million

    Total users

  • 7,500

    New users per day

  • 50,000

    Premium transactions per day

  • 1 million+

    Combined downloads on App Store and Play store

  • 4.2

    Average rating across iOS and Android apps

Client overview
Case Study LIC India

LIC was founded in 1956 when the Parliament of India passed the Life Insurance of India Act that nationalised the private insurance industry in India. Over 245 insurance companies and provident societies were merged to create the state owned Life Insurance Corporation. Thus LIC is now an Indian state-owned insurance group and investment company headquartered in Mumbai. It is the largest insurance company in India with an estimated asset value of ₹29,80,622 crore with over 23,00,000 agents working across India.

The challenge

Millennials represent nearly a third of India’s population, forming a major part of the country’s workforce, both urban and rural. In keeping with their mobile usage habits, the largest insurance carrier of India set out to boost its digital footprint across various devices and channels. The carrier wanted to create a digital storefront for all aspects of selling and servicing insurance policies.

The carrier had a significant holdover of legacy technology, particularly their in-house policy system and processes. A monolithic heavy-weight server was responsible for fielding all service requests originating from various customer, agent and staff touch points. This inevitably slowed down the requests.

The earlier customer portal of the insurer was not intuitive and its look-and-feel lacked the appeal. It had limited features, for example, it did not provide customers the option to make interest payments on against policy-related loans. They were forced to visit a physical branch for this and few other transactions.


The carrier wanted to build a formidable presence on mobile devices. They chose Intellect SEEC’s Distribution and Service Suite product to digitally transform their existing portals and move to a full service portal with a robust architecture.

Intellect SEEC team performed a thorough review of the insurer’s previous IT architecture and infrastructure, and decided that a single code base should serve both the digital portal and the apps on mobile and web.

We implemented a Business Rules Management System (BRMS) and notably improved configurability for business users. With nearly zero code, users can configure business rules with the newly developed rule engine.

We also set up a Content Management System (CMS) through which notifications, alerts and flash messages can be served on the portal and the mobile apps.

We overhauled the insurers existing e-portal which had limited capability. For instance, it allowed customers to lookup their details, but not modify them.

Our solutions strategy ensured user-friendly experience to the users, allowing for maximum configurability of systems built on the framework of a strong architecture.

User Experience

  • Responsive design
  • Single code base: mobile and web
  • Multilingual
  • Cross-browser compatible


  • Theming
  • Dynamic and reflexive forms
  • Rules based business logic
  • Customization via extension and overrides
  • Extendible data model (structured and unstructured)
  • Product configuration

Architecture and Design

  • Single page application architecture with hybrid web
  • API-based – 180+ pre-built
  • Lightweight micro-services
  • ACORD compliant, but not reliant
  • App-based

This digital transformation initiative when fully completed will launch the insurer into the exponential league. We have used their existing IT systems to facilitate rapid development and deployed of a suite of competitive enterprise applications for improved business responsiveness. The initiative will touch the lives of customers, agents, merchants, service and management staff.

Future-proofing our client

  • Truly agile development
  • Delivery time and cost slashed
  • End user visualization from day one
  • Minimal defect density
  • Significantly lower total cost of ownership (TCO)
  • Reduced vendor dependence for enhancements

Future-proofing our client

  • Implemented a flexible and configurablesolution based on an open architecture
  • Rule-based architecture using BRMS
  • Implemented mobile apps for all the customerservice features such as premium payment, loan payment, handle all service requests, customer profiling, policy status, spot revival, bonus information, premium paid certificates, etc.

Our solution has delivered a host of benefits to the end users, and the results have started to show. Within a few days of the re-launch of the web portal, there were 7,500 new user registrations daily, approximately 50,000 premium payment transactions on a daily basis.

Omni-channel, Omni-device, Responsive Design

  • Enabling superior customer service through e-business portal both Web and Mobile
  • App usage for customers, providing omni-channel experience resulting in easier policy servicing

Authentication and Identity Management

  • e-KYC authentication and service request framework to accommodate multiple service requests like online loan processing, spot revival, etc.
  • Single sign-on with multiple role feature as compared to multiple logins for separate portals
  • OTP and email authentication during sign-in and sign-up processes

Quick Access to Information

  • Dashboard features for self policies, spouse and child policies as compared to single view without bifurcation
  • Office locators integrated with Google Maps and navigation facility

Online payments

  • Online loan request processing and loan repayment is an added benefit on digital experience
  • Online premium paid receipts and statements are generated using template-driven CMS

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