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    INSURANCE · WORKFORCE & ANALYTICS

    Every Employee. Every Question. Every Insight Answered.

    AI copilots for every insurance role. AI that queries your business in plain English. Zero SQL. Zero waits. Zero silos.

    EMPLOYEE COPILOT
    BRANCH OFFICER
    What is the process for issuing a term policy for an NRI?
    Step-by-step SOP retrieved instantly with source citation.
    ANALYTICS COPILOT
    Which product lines had highest lapse rate last quarter?
    Term Life 8.4%, ULIP 12.1%, Health 3.2%. ULIP above threshold.
    60,000+

    Employees on the platform

    2,000+

    Branches served

    Any data

    SAP, Policy Admin, Claims, CRM

    <5 sec

    Avg query response time

    Deployed at India's largest insurer
    Live at 2,000+ branches, 60K+ employees
    Any database, plain English queries
    On-prem, air-gapped capable
    ROLE-SPECIFIC AI

    Every Role. Every Question. Answered Instantly.

    Five roles. Five copilots. Each configured with the knowledge, policies, and workflows relevant to that specific job.

    Branch Officer

    "What is the process for issuing a term policy for an NRI?"

    INSTANT
    Claims Adjuster

    "Policy terms for pre-existing conditions in health plan H-2024?"

    INSTANT
    Collections Officer

    "What can I offer a customer who has missed 3 premiums?"

    INSTANT
    Underwriter

    "IRDAI guidance on revised health insurance exclusion norms?"

    INSTANT
    Compliance Officer

    "Has IRDAI issued new KYC guidance this quarter?"

    INSTANT
    AI AGENT WORKFORCE

    Four Agents. One Platform That Knows Your Business.

    From the branch floor to the boardroom, each agent handles a distinct layer of workforce and analytics intelligence.

    Employee Copilot for Insurance

    DIFFERENTIATOR

    Every insurance role gets its own AI copilot configured to their specific knowledge sources and workflows. From branch floor to boardroom.

    • Each role gets a copilot configured to their specific knowledge sources and workflows
    • Branch officers, claims adjusters, underwriters, and compliance officers all supported
    • Answers sourced from your policy manuals, SOPs, and IRDAI circulars — always current
    • Proven at 60,000+ employee scale across 2,000+ branches in production deployments

    Analytics Copilot

    PLAIN ENGLISH

    Business users query claims, policy, and sales data in plain English. Cross-system queries join data automatically. SQL generated transparently — results in seconds, not analyst hours.

    • Business users query claims, sales, and portfolio data in plain conversational English
    • Cross-system queries join policy admin, CRM, and claims data sources automatically
    • SQL generated and executed transparently — results delivered in seconds, not analyst hours
    • Role-based access controls ensure each user sees only their authorised data scope

    Automated Reports AI

    AUTO-DISTRIBUTED

    Daily, weekly, and monthly insurance business reports generated with AI-written narrative commentary. Distributed to the right stakeholder automatically on schedule.

    • Daily, weekly, and monthly reports generated with AI-written narrative commentary
    • Distributed to the right stakeholder automatically on the configured schedule
    • CFO, regional head, product manager — each receives their relevant KPI set
    • Delivered via email, Microsoft Teams, or WhatsApp in PDF or Excel format

    Anomaly Detection AI

    PROACTIVE

    Monitors insurance portfolio metrics continuously for unusual patterns. Lapse spikes, fraud clusters, and claims ratio anomalies surfaced before they become material issues.

    • Monitors portfolio metrics continuously for unusual patterns across all dimensions
    • Lapse spikes, fraud clusters, and claims ratio anomalies surfaced instantly via alerts
    • Relevant teams notified before patterns escalate into material business or regulatory issues
    • Configurable detection thresholds per metric, product line, and geographic region
    CAPABILITIES CATALOG

    Five Modules. One Intelligent Brain.

    Click each module to explore what it connects to and what it can do for your team.

    EMPLOYEE COPILOT

    Every Question Answered Instantly.

    Employees ask in plain language — policy rules, HR procedures, IT troubleshooting, compliance queries. AI retrieves the right answer from across all internal systems in seconds.

    SUPPORTED
    HR SystemsIT HelpdeskPolicy KnowledgeCompliance DB
    Query resolution
    < 30 sec
    Ticket deflection
    80%
    ANALYTICS COPILOT

    Ask Your Data Anything. In Plain English.

    Three questions. Three answers. Cross-system intelligence without a single SQL query.

    Which product lines had highest lapse rate last quarter?
    Term Life: 8.4%, ULIP: 12.1%, Health: 3.2%. ULIP above the 9% threshold.
    What is the profile of the lapsing ULIP customers?
    Age 28-38, urban, ticket size ₹24,000-40,000. Lapse triggered primarily in Year 2.
    Show me the 6-month trend for ULIP lapse.
    ULIP lapse up 3.8% since Q2. Driven by 2 large distribution channels.
    ARCHITECTURE

    Two Intelligence Modes. One Platform.

    EMPLOYEE SIDE
    All Roles
    Employee Copilot
    All Internal Systems
    ANALYTICS SIDE
    All Business Systems
    Analytics Copilot
    Executives + Managers
    FLUID AI CORE
    Single intelligence layer for both modes
    PROVEN IMPACT

    Numbers From Live Deployments.

    Measured outcomes across insurers who have deployed Fluid AI Workforce & Analytics in production — not benchmarks, not pilots.

    80%
    Helpdesk ticket deflection rate
    Employees self-serve via AI copilot
    < 30s
    Average query resolution time
    vs. hours waiting for HR / IT response
    3×
    Faster business insights
    Plain-English analytics vs. BI team queue
    40%
    Improvement in agent retention
    Early attrition signals acted on proactively

    Every Employee. Every Question. Answered.

    HR policies, IT troubleshooting, compliance rules, product knowledge — employees get accurate answers in under 30 seconds from a single AI copilot, in their own language.

    Executives Ask. The Data Answers.

    No SQL. No BI queue. Executives and managers ask questions in plain English and get instant answers with visualisations — across claims, sales, renewals, and workforce data simultaneously.

    Attrition Caught 8 Weeks Before Resignation.

    AI analyses attendance, performance, and engagement signals to surface flight-risk employees 8 weeks in advance — giving managers enough runway to intervene and retain top talent.

    THE DIFFERENCE

    Tickets and Queues vs. Instant Self-Service.

    TRADITIONAL
    Employees queue for HR / IT responses
    IT tickets take days to resolve
    Analysts wait for BI team to write queries
    Monthly reports manual and error-prone
    Same question answered differently every time
    WITH FLUID AI
    60K+ employees self-serve 24/7
    IT resolved in seconds via Copilot
    Business users query in plain English
    Reports auto-generated with AI narrative
    Consistent answers backed by live data
    DEPLOYMENT TIMELINE

    Employees Self-Serving in Weeks. 60K Users in 3 Months.

    1
    Week 1

    SAP + Business Systems Connected

    All data sources integrated and indexed

    2
    Week 2

    Employee Copilot Live

    60K+ employees self-serving in plain language

    3
    Week 4

    Analytics Copilot Active

    Business users querying data without SQL

    4
    Month 3

    60K Users, 2K+ Branches

    Full scale with automated reports running

    GET STARTED

    Every Employee. Every Insight. In Plain English. At Any Scale.

    Deploy workforce and analytics AI across every branch, every role, every dataset.

    FAQ

    Frequently Asked Questions.

    Employee Copilot supports every insurance role: branch officers, claims adjusters, underwriters, collections officers, compliance officers, policy servicing agents, and corporate support functions. Each role's copilot is configured with the knowledge sources, policies, and workflows relevant to that role. A branch officer's copilot knows different SOPs from an underwriter's.

    Analytics Copilot connects to your data sources via secure, read-only API connectors. It never writes to your systems. Access permissions are role-based: a product manager sees product performance data, a regional head sees their geography's portfolio. All query logs are maintained for audit. PII is masked in analytical outputs by default.

    Yes. Analytics Copilot is designed for cross-system queries. A question like 'Which agent cohort has the highest lapse rate among customers acquired via digital channels in the last 6 months?' requires joining policy admin, CRM, and claims data. The copilot handles this transparently, presenting unified results without requiring the user to merge data manually.

    Employee Copilot supports 22+ Indian languages for voice and text interactions. Branch officers in Tamil Nadu can query in Tamil, officers in Maharashtra in Marathi. The underlying knowledge base and policy documentation remains in its original language; the copilot translates responses into the officer's preferred language. English is supported for all roles.

    Report templates are configurable per stakeholder role. A CFO receives financial summary with variance commentary. A regional head receives portfolio performance with geographic breakdown. A product manager receives product-level KPIs with trend analysis. Report scheduling, delivery channel (email, Teams, WhatsApp), and format (PDF, Excel, dashboard) are all configurable per recipient.

    Yes. The platform is proven at 60,000+ employee scale in production at a major Indian insurance organisation with 2,000+ branches. The architecture supports horizontal scaling without performance degradation. Multi-tenancy handles different business units and geographies. On-prem, private cloud, and hybrid deployment options are available to meet data sovereignty requirements at scale.