Your customers
- Families (life and health)
- Vehicle owners (motor)
- Shops and small factories (fire, burglary, group health)
- Employers (group term, workmen's compensation)
Finance, insurance and kiosks · Services
MatruOS for an insurance agent office
Set up the way an insurance agent office runs: first-year and renewal commission from insurers; rewards and club bonuses; POSPs earn per-policy payouts through a broker platform. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.
Ready when you sign up
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What this solves
What an insurance agent office deals with today, and what MatruOS sets up for it
Today
Renewals missed, policies lapse and renewal commission is lost. Commission statements from each insurer cannot be checked; short payments and clawbacks go unnoticed.
In MatruOS
MatruOS sets up 7 routines, 2 workflows, 4 registers and 6 licences for an insurance agent office, with an AI team that reads your own records and prepares the work.
What changes
The right person is reminded at the right time, approvals wait for whoever decides, and every licence has a renewal reminder. Anything that sends, pays, signs, files or deletes waits for a person's approval.
Where you sit
MatruOS starts from how your business earns
Who you sell to, who you buy from, how credit moves and where you sit in the chain decide how your screens, reminders and reports are set up.
- Insurer
- (broker or POSP platform)
- agent or POSP
- policyholder
- renewals and claims
Your suppliers
- Insurers (products)
- Broker or POSP platform
- Medical test centres
- Courier
Credit and cash
Client pays premium to the insurer directly; insurer credits commission monthly after the premium is received, with TDS; commission clawed back if a policy is cancelled in free-look or lapses early
Monthly commission credits; first-year income lumpy around March; renewal commission steady; motor renewals spread through the year
Your screens use your words
CustomerPolicyholderOrderProposalItemPolicyInvoicePremium receiptproductPlanSupplierInsurer
How it works
How MatruOS is set up for an insurance agent office
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Insurance agent office", typed when you sign up.
- Recognised as an insurance agent officeRoutines, workflows, registers, items, licences and the AI team for this trade are set up for you.
- Bring your dataCustomers, items and balances come across from Zoho Books, Vyapar, Excel and others. For Tally, our team helps you move the data while Tally import is checked on the live app.
- Approve and runThe AI team prepares the routine work. A person approves anything that sends, pays, signs, files or deletes.
Your AI team
What the AI team does for an insurance agent office
Each job goes to a member of your AI team. It reads your own records and prepares the work. Anything that sends, pays, signs, files or deletes waits for a person's approval.
Lists life, health and motor policies due or expiring in 30 days and in grace, and drafts reminder messages with amount and payment link
Asks you before sending
Lists today's follow-ups, drafts a message for each stage and suggests the next step
Asks you before sending
Reads each new policy PDF and fills the policy register with insurer, number, premium, due date and nominee
Works it out and shows you
Matches each insurer's statement against policies issued and renewed, flags missing or short commission and clawbacks, and drafts the query
Asks you before sending
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How you run
Your routines, already on a timetable
Each routine has a time, a person and its steps with the checks that matter. MatruOS reminds the right person and keeps the record. Open one to see its steps.
Every day
9:30 amRenewals due in the next 30 days
- 1List life premiums due, health and motor policies expiring in 30 days
- 2Send the premium amount and payment link with the due date
- 3Mark policies in grace and call those clients personally
5:00 pmLead and proposal follow-ups
- 1Call leads due for follow-up today
- 2Move each lead to its next stage and set the next date
Every week
MonAdd new policy PDFs to the register
- 1Collect policy PDFs from insurer portals and email
- 2Enter policy number, premium, due date and nominee
Every month
12thCheck the monthly commission statement
- 1Download each insurer's commission statement
- 2Match it with policies issued and renewed
- 3Raise a query for missing policies or clawbacks
Every year
AprYearly policy review with each family
- 1Send each family a summary of their policies, cover and nominees
- 2Point out gaps (no health cover, low term cover)
JunAgency licence and training renewal check
- 1Check licence validity and refresher training due with each insurer
Workflows
Each stage goes to the person who handles it
Work passes stage by stage to the right person. Stages marked for approval wait for the person who decides.
Lead to policy issued
- 1Needs taken and quote shared
- 2Proposal form and KYC filled
- 3Client signs and pays premium to insurerNeeds approval
- 4Medicals done
- 5Policy issued and entered in register
Claim support
- 1Claim intimated to insurer
- 2Documents collected and submitted
- 3Queries answered
- 4Settled or rejected
Registers and SOPs
Your registers and standards
Registers hold the fields this trade records. SOPs carry the steps and checks, so work is done the same way every time.
Policy register
Leads and proposals
Commission statements
Claims help
Renewals, grace and revival
No client's cover lapses for want of a reminder
Helping with a claim
Get the family's claim settled fast and without rejection for missing papers
Items and licences
Your first bill is right, and no licence lapses
Starter items arrive with unit, HSN and GST rate. The registrations this business usually needs are listed with a reminder before each one expires.
| Item | HSN | GST |
|---|---|---|
| First-year commission on a term life policy (₹15,000 premium at 30%) | 997161 | 18% |
| First-year commission on an endowment policy (₹30,000 premium at 25%) | 997161 | 18% |
| Renewal commission on a life policy (₹30,000 premium at 5%) | 997161 | 18% |
| Commission on a family health policy (₹25,000 premium at 15%) | 997161 | 18% |
| Commission on a car own-damage policy (₹12,000 OD premium at 15%) | 997161 | 18% |
| Commission on a two-wheeler policy | 997161 | 18% |
| Commission on a shop fire and burglary policy (₹8,000 premium at 15%) | 997161 | 18% |
| Commission on group health for a small employer | 997161 | 18% |
| Club and contest reward (cash part) | 997161 | 18% |
- IRDAI licence
- PAN
- Professional tax registrationIf it applies
- Shops and Establishments registrationIf it applies
- GST registrationIf it applies
- Udyam (MSME) registrationIf it applies
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
AgentMeets clients and assesses needs, fills proposals and KYC, follows renewals, helps with claims, reconciles commission.
Office assistantKeeps the policy register, books medicals, sends renewal reminders, tracks claim papers.
Not covered yet
- Sending messages, bills and reminders on WhatsApp from MatruOS is not live yet. Today they go by link, QR code or email, and from your own phone in one tap.
- Live bank and UPI feeds are not connected yet. Upload a bank statement and MatruOS reads it into payments for you to confirm.
Questions people ask
How long does it take to set up MatruOS for an insurance agent office?
Type one line about your business when you sign up, for example "Insurance agent office". MatruOS picks this business type and sets up everything on this page in a few minutes. You then get a 7-day free trial, no card needed.
Do I have to type all of this in?
No. The routines, workflows, registers, items, licences and AI team on this page arrive already set up. You change what is different in your business, and bring your customers, items and balances from Zoho Books, Vyapar, Excel and others, with our team's help for Tally data.
Can I change the routines and workflows?
Yes. Every routine, workflow, register and SOP is yours to rename, retime, switch off or add to. MatruOS keeps the rest of the system in step with your changes.
What does the AI team do without asking me?
It runs routine checks and prepares drafts. Anything that sends, pays, signs, files or deletes waits for a person's approval. The one exception you can choose is payment reminders, which go out on their own once you have checked them and switched them on.
Finance, insurance and kiosks
Other services in finance, insurance and kiosks
Run an insurance agent office on one system Set up for your trade when you sign up.
Describe your business once. MatruOS sets up your apps, brings in your data and puts Muni and the AI team to work, with your approval on every step that matters. 7-day free trial, no card needed.
See plans and what each includes