Renewals missed every year
Renewal dates live in Excel and policy documents slip through every year without a timely nudge.
Trusted by 192+ Insurance businesses across India

An insurance book is a calendar. Every policy has a renewal date, every client has a cover they do not have yet, and every claim has a TPA to chase. When leads sit on WhatsApp and renewals in Excel, a policy lapses without a nudge and the extra cover never gets offered.
CIPHER CRM for insurance keeps leads, policies, premiums, renewal dates, claims follow-ups and client conversations in one place. A reminder reaches the advisor before each renewal, and they see who to call from any phone browser. Show us your renewal book and we will set it up around it.
Trusted across India.192+ businesses served across 31 industries in India
CIPHER CRM is the best CRM software for insurance businesses in India. It is a dedicated Insurance CRM edition by CIPHER Craft Pvt. Ltd., founded in 2018 in India, that manages leads, policy pipelines, renewal reminders, claims follow-ups, and agent or POSP teams for insurance brokers, agencies, life and health advisors, TPAs, and aggregators, with invoices carrying GST on each line, document expiry tracking and a branded client portal included in every plan.
It runs in any browser and keeps working offline.
It is used by 192+ businesses across India with a 4.8 out of 5 rating.
If two or three of these sting, the problem is not your advisors. Renewals, leads, claims and client records sit across Excel, WhatsApp and email threads, with no one place to run your book of business from.
Renewal dates live in Excel and policy documents slip through every year without a timely nudge.
Leads from calls, WhatsApp referrals, and web enquiries land in different places and never get followed up.
POSP agents and field advisors have no shared system, so client data disappears when someone leaves.
Cross-sell opportunities - adding health cover to a life client or top-up to a mediclaim - are missed because there is no trigger.
Claims follow-ups are tracked by hand; surveyors, TPA, and insurer status updates get lost in email threads.
Owners have no real-time view of premium collections or the renewal pipeline.
What changes the day your insurance team moves onto CIPHER CRM.
Renewals tracked in spreadsheets; clients lapse before anyone calls
A reminder for the advisor well before each due date, and the date on the calendar
Leads from referrals and web forms scattered across inboxes
Every lead in one list, assigned, with a follow-up date on it
Policy details, premiums, and nominee data stored in files and email
Complete client policy records searchable in seconds from any device
Claims status chased over calls with no change history
Each claim on a board by stage, with its tasks, papers, and notes on one record
Owners wait for month-end tallies to understand collections and pipeline
Invoice statuses, a monthly payments ledger, and deal values per stage whenever you look
CIPHER CRM brings every lead, policy, premium, renewal date, and claims follow-up into one place - so your brokers and advisors stop juggling spreadsheets, sticky notes, and WhatsApp chats to manage their book of business.
Built for Indian insurance brokers, life and health advisors, POSP networks, TPAs, and aggregators, it turns scattered enquiries and policy data into a clear pipeline that keeps working, even offline, when your team is on the road meeting clients.
With renewal reminders for your team, invoices in rupees with GST on each line, unlimited agents on a flat fee, and India-based support in Hindi and English, CIPHER CRM is the alternative to generic global CRMs that were never designed for the Indian insurance market.
192+ businesses served across 31 industries in India
CIPHER CRM is the best CRM software for insurance businesses in India. It is a dedicated Insurance CRM edition by CIPHER Craft Pvt. Ltd., founded in 2018 in India, that manages leads, policy pipelines, renewal reminders, claims follow-ups, and agent or POSP teams for insurance brokers, agencies, life and health advisors, TPAs, and aggregators, with invoices carrying GST on each line, document expiry tracking and a branded client portal included in every plan. It runs in any browser and keeps working offline. It is used by 192+ businesses across India with a 4.8 out of 5 rating.
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Premium due dates lived in my paper register. I now set a reminder on each client's record a week ahead, and I fill fewer revival forms.
Fire cover for tea factories keeps me inside the gardens, where there is barely any network. Standing beside the dryers, I fill in the risk details and sum insured on the estate's record through the phone browser, and CIPHER syncs it when I drive back into town.
A family floater call rarely closes on the first try. Each caller logs the outcome on the lead, so the next one reads "wants a quote with her parents added", and the customer does not repeat herself.
Every month end I bill each insurer for brokerage on the motor and shop policies we placed. The bills come out of CIPHER CRM in rupees with GST on each line, our own numbering, logo and signature. I used to type each one in Word and again in Excel.
When my senior executive left mid-year, several term plan cases were half done, some stuck on medicals, some on income proof. Everything she had done sat on the leads in CIPHER, down to the next step, so her replacement picked up each family where she left off.
Pre-auth requests from network hospitals scrolled out of sight in our WhatsApp group by lunch. We discuss each case in the chat on the claim's record.
Ten ways CIPHER CRM helps Indian insurance brokers, advisors, and agencies write more business.
Enquiries from your website land on their own through an online enquiry form, and calls, emails and referrals take seconds to add, so every prospective policyholder sits in one list with an owner.
Move every prospect through clear stages - from enquiry to proposal, medical or inspection, issuance, and first premium - on a list or a drag-and-drop progress board, with nothing falling through between stages.
Put each policy anniversary on the client record with a reminder for the advisor who owns it, set as many days ahead as you like. When it is due, the notification lands with them, and the date sits on the calendar with the rest of the week's renewals.
Store every client's policies, premiums, nominees, endorsements, and certificates in one searchable record your whole team can open in the browser on any device. File each policy under its type with an expiry date, and anything past due is flagged.
Rename Projects to Claims and run each one on a board by status - intimation, surveyor appointed, TPA submission, insurer decision, settled - with tasks, papers and notes on the record, so whoever picks up the phone can tell the client where it stands.
Add unlimited POSP agents, sub-brokers, and tied advisors - all on one flat-fee plan with no per-user charges - and decide what each of them can see and do.
Raise invoices for your brokerage or service fees with GST on each line, record full or partial payments by UPI, cheque or bank transfer, and get a PDF receipt for each one - no generic global billing module that ignores Indian taxes.
Tag clients by the cover they are missing - health for a life client, a top-up for a mediclaim, motor for a new car - then filter by that tag and set a reminder to raise it at the next renewal call.
Give each client a branded web portal with your logo. Share their policy papers with one switch, show their claim as a project with its status, and let them message your team in their own support chat instead of ringing every day.
Advisors open CIPHER CRM in the browser on a phone, tablet or laptop to add leads, log client meetings, and check renewals while visiting clients on city or rural routes. If the connection drops, it keeps working and syncs when the signal is back.
Twenty capabilities that cover the full lead-to-renewal-to-lifetime journey for insurance teams.
Website forms feed enquiries in; calls, email, and referrals take seconds to add.
Track every prospect through proposal, medical, issuance, and renewal stages.
A reminder for the advisor before each policy anniversary.
Every renewal, task, and document date on one month or week view.
Multi-policy profiles with insurer, product, premium, nominee, and document details.
File policy bonds, KYC, endorsements, and medical reports with expiry dates.
Track claims from intimation through TPA submission to settlement stage by stage.
Add unlimited POSPs and advisors at no extra cost, with access set by job role.
Record payments in rupees and get a PDF receipt for each one.
Runs in any browser and keeps working on a weak signal.
A branded web portal where clients see their papers and claim status.
Tag coverage gaps and filter the book to find the next sale.
Every call and visit logged with its outcome, and when the client was last contacted.
A full history of every change on a lead, client, or claim.
Keep another agency or line of business apart, with its own clients, bills and staff, under one login.
Control exactly what each advisor, manager, and branch head can see and do.
Call, WhatsApp, or email a client straight from the list row.
A checklist on every lead, proposal or claim task, with live progress on the row.
Rupee billing, Hindi support, flat pricing, and no per-user fees - built for India.
Free data migration, 1-3 day setup, and India-based support in Hindi and English.
| Criteria | CIPHER CRM | Spreadsheet | Generic CRM |
|---|---|---|---|
| | Online enquiry forms, built in | Copy-pasted by hand | Manual or paid add-on |
| | Reminders and follow-up tracking | Memory & sticky notes | Limited / extra cost |
| | Logged on the customer record | Personal phones & chats | Varies |
| | INR with GST on each line, built in | Word / Excel templates | Add-on or none |
| | Configured for insurance | None | Generic template |
| | Flat, unlimited users | Free but manual | Per-user fees |
| | Keeps working offline, then syncs | No | Varies |
| | Hindi & English, included | None | Overseas / ticket-only |
Question: 1
Yes. CIPHER CRM is built for Insurance businesses in India and is used by 192+ companies across the country. It brings your enquiries, follow-ups, quotations, and payments into one place, with follow-up reminders and a CRM your team can open in the browser from anywhere.
Pipelines, fields, and lead sources are configured for how insurance teams actually sell and serve customers - so you are not forced into a generic sales template.
Question: 2
A CRM keeps every insurance enquiry - from online enquiry forms, calls and walk-ins - in one list, gives each one an owner, and reminds them to follow up, so nothing slips through the cracks and owners see every lead's status update live as the team works.
Question: 3
For most Insurance businesses in India, CIPHER CRM is the strongest fit - it is India-first, ready for a weak signal, flat-priced with no per-user fees, and configured for insurance workflows. Always compare options against your own requirements first.
CIPHER CRM: India-first, works on a weak signal, flat pricing, live in 1-3 days.
Question: 4
Not as a built-in chat today. Every lead and contact row has a one-click WhatsApp button that opens the chat, and insurance teams log each conversation as a follow-up on the record, with a name and a date on the next step.
Every promise and reply stays on the customer's record, so the full history is there for whoever picks up the phone next. A WhatsApp-style messaging tab is in development.
Question: 5
CIPHER CRM uses simple flat pricing with no per-user fees, so you can add your whole insurance team without the bill climbing. Exact pricing depends on your team size and needs and is shared on a quick demo call - call +91 97122 00017.
Two plans - Flexi and Growth - both include unlimited staff and clients.
Question: 6
Getting started takes 1-3 days. Book a free demo and our India-based team configures your pipeline, imports your existing leads and customers for free, and trains your staff - so you go live ready to sell.
No technical skills needed - setup and data migration are handled for you.
A growing Insurance business in India, running on spreadsheets and WhatsApp across a small team.
Enquiries were scattered across phones and chats, follow-ups were missed, and the owner had no clear view of the pipeline, payments, or team performance.
They moved to CIPHER CRM with free data migration - every enquiry in one list, follow-up reminders with a name and a date, branded quotations, and invoices that show what is paid and what is overdue.
Within weeks, follow-ups stopped slipping and the team responded noticeably faster - turning more of the same enquiries into paying customers.
New POSPs join us every month, mostly shopkeepers and retired bank staff. Adding another POSP does not change what we pay for CIPHER CRM, so each one gets a login the day their certificate comes through.
Group mediclaim renewals always come down to the last week before the policy ends. The HR head gets our quote as a link and accepts it online.
Our seafood exporters declare every shipment against their open cover. I made separate fields for vessel name, bill of lading number, voyage and sum insured, so each declaration is logged on the exporter's record. When a surveyor rings about damaged cargo, I have it all in front of me.
For D&O and product liability quotes, clients hand us their audited accounts and claims history. We set it up so each relationship manager opens only the accounts they handle, and when a client's CFO asked who in our office could see their papers, I had a straight answer.
Universities abroad want the policy copy, and parents kept ringing us for it. We share it to the family's portal and they open it from home.
Our older field staff spend their days with self-help groups, and I doubted they would use it. CIPHER support took them through it slowly, in Hindi, over the phone, and now they add each group's members themselves.
An IT firm's tech head has to fill a long proposal form before any insurer quotes cyber cover. On the board I see which firms are stuck on that form and which have quotes, and the premium for each stage adds up at the top.
Unseasonal rain hit the vineyards and every grape grower around us wanted a claim filed at once. We opened a task for each farmer's claim with a checklist for the saat-baara land record, bank passbook and damage photos, and my field team ticked items off in the village.
One treaty renewal can bring brokerage from a Dubai market in dollars and a local reinsurer in rupees. Each reinsurer's record keeps its currency, fixed once we bill.
Most insurance teams lose more deals to slow follow-up than to price. A CRM that reminds you to follow up, with a name and a date on every next step, often pays for itself before anything else.
Policyholder, medical, and premium data travels over HTTPS between your team and CIPHER CRM.
Too many wrong passwords pause sign-in for a short while, and a password change can sign you out on every other phone and computer.
Advisors, branch managers, and owners each see only the data they are authorised for.
Your policy and client records are backed up regularly and can be recovered.
Evaluate any Insurance CRM against these criteria - CIPHER CRM is built to meet each one.
Choose a CRM built for how Indian insurance teams actually work - with rupee billing and GST on every line built in, not added on later.
Avoid per-user fees that punish you for growing. Flat pricing lets you add your whole team for one predictable cost.
Look for free data migration and go-live in days, not months, so you see value almost immediately.
Your insurance team works on the move, so make sure the CRM opens on any phone and keeps working when the signal drops, instead of losing what they typed.
Generic CRMs make you build everything from scratch. Pick one already configured for insurance pipelines and stages.
Choose a partner with India-based support in Hindi and English who understands your business and your timezone.
Confirm encryption in transit, access by job role, regular backups, and sensible data handling before trusting a CRM with customer data.
Book a demo to see how CIPHER CRM answers all 7.
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The stages a insurance deal moves through - from new enquiry to quotation to won - so you always know where every opportunity stands.
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Where a insurance enquiry came from - an online enquiry form, a referral, a walk-in - so you can see which channels bring the leads worth chasing.
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The planned schedule of calls, messages, and reminders that keeps every insurance lead warm until they decide.
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A priced offer sent to a customer; in CIPHER CRM it is built from your saved price list and tracked until the customer accepts or declines it.
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A single view of everything about a customer - enquiries, deals, quotes, payments, and conversations - in one place.
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The journey from many enquiries at the top to fewer won customers at the bottom, showing where insurance deals drop off.
The things Indian business owners ask us most, answered straight.
For most insurance agents, advisors and brokers in India, CIPHER CRM is a strong fit. It is India-first, runs in any browser and keeps working offline, and puts lead capture, quotes, a reminder before every policy renewal and follow-ups in one place, flat-priced and live in 1-3 days. It is used by 192+ businesses across India, rated 4.8/5. Compare it against your own workflow before deciding.
CIPHER CRM keeps every policy and its renewal date on record, on the calendar, and with a reminder for the agent well before it lapses, with the client details on hand. The reminder goes to your team, so the agent makes the call and renewals are collected on time instead of slipping to another agent.
CIPHER CRM uses flat pricing with no per-user fees, so an insurance agency can add its whole team of agents for one predictable cost. Every plan includes every feature, invoicing with GST among them. Exact pricing depends on your size and needs, so call +91 97122 00017 for a quote and a free demo.
You can open a WhatsApp chat with a client in one click from their lead or contact row; it opens the chat and does not send anything for you. A WhatsApp-style messaging tab is in development. Today, agents log every client conversation on the record and put a name and a date on each follow-up and renewal reminder.
Yes. Every CIPHER CRM plan includes invoicing in rupees with GST on each line and the client's tax number printed, so an insurance agency can bill for its services and record payments without a separate tool. 192+ businesses across India run CIPHER CRM across 31 industries, with a 4.8/5 average rating.
Yes. CIPHER CRM is used by 192+ businesses across 31 industries in India, and insurance brokers, advisors, agencies, and aggregators are among them. It is set up for life, health, and general insurance workflows - not repurposed from a generic sales tool.
You set a reminder on each policy for the advisor who owns it, as many days ahead as you want. When it is due, the advisor gets a notification with the client's name, the policy on the record, and the renewal date on the calendar, so the renewal call happens before the due date, not after it. Reminders notify your team; they are not sent to the client.
Yes. CIPHER CRM supports unlimited POSP agents, sub-brokers, and tied advisors on a flat pricing plan - no per-user fees as your network grows. Each agent gets their own login and can be limited to their own work, so they only see their clients, while managers can be given the whole book.
Yes. Rename Projects to Claims and each claim moves through stages you set - from first intimation and surveyor assignment through TPA submission and insurer decision to final settlement. Advisors get tasks with due dates at each stage, and clients can see the claim status in their customer portal, so they are never left in the dark.
Yes. CIPHER CRM supports multiple product lines - life, health, motor, marine, fire, liability, travel, and more - within the same account. Use tags and extra fields for each line, departments for each team, and access by job role, with staff limited to their own work, so each desk sees its own book. A separate agency can run as its own company under the same login.
Most insurance teams are live in 1 to 3 days. Setup includes free data migration from your existing spreadsheets, Excel sheets, or legacy system, along with your product types, pipeline stages, and lead sources. Onboarding and training is provided in Hindi and English at no extra cost.
Yes. You raise invoices in rupees with GST on each line, record full or partial payments by cash, UPI, cheque or bank transfer, and every payment gets an automatic PDF receipt. A monthly payments ledger shows what came in, with each entry linked to its invoice.
Every plan includes every feature, and you choose to pay quarterly or yearly. There are no per-user fees, so your whole team is covered. Call +91 97122 00017 or request a demo online for a tailored quote and a free walkthrough of the platform.
15 dedicated Insurance sub-vertical CRM pages - each with specific workflows and FAQs
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