What we build
A distribution stack that turns admin into production time.
Every capability replaces a manual workflow that was quietly eating selling hours — from commission pay runs to renewal chasing to licence chasing. The desk stays clean, the book stays warm.
Agent dashboards · live everything
Pipeline, commissions, renewals, and next-best-actions on a single mobile-first desk. Agents walk in with a prioritised day, not an empty inbox.
Renewal + cross-sell scoring
Every in-force policy scored for lapse risk and cross-sell fit. Outreach is targeted, timely, and language-matched — persistency stays above target without cold chasing.
Commission reconciliation + clawback
Earning codes mapped across products and cycles, clawbacks evidenced automatically, variance tracked against the ledger. Pay runs go from days to minutes.
Quote-to-bind workflow
Structured quoting with licence checks, disclosure prompts, and e-signature — compliant quotes generated in WhatsApp, on-screen, or in the branch with a single schema.
WhatsApp + messaging integrations
BM, Bahasa, Chinese, Tamil, and English flows with opt-in management, PDPA compliance, and AI copilot product recommendations inline.
Training + certification tracking
Agent licences, product certifications, and CPD hours tracked per agent per jurisdiction — expiry alerts, re-cert workflows, and audit-ready export.
Distribution shapes we support
Every channel, every licence, every commission model.
Same desk, same scoring, same reconciliation — tuned per channel. Shared customer view, per-channel commission structures, jurisdictional licence enforcement. Every distribution shape below runs on the same stack; only the schema and the compliance rules change.
General agents · multi-product
GAs selling life, health, and general across regions — with unified dashboards, commission, and book-of-business views across product silos.
Tied-agency networks
Carrier-owned tied channels with structured onboarding, product certification enforcement, and CRM-to-PAS integrations at branch and state level.
Independent financial advisors
IFA desktops that consolidate multi-carrier books, commission tracking, and suitability documentation — with disclosure and conflict-of-interest logging.
Broker networks
Commercial + specialty brokers with placement tracking, renewal pipelines, and carrier-side integrations for faster binding and cleaner reconciliation.
Persistency + renewal management
End-to-end renewal operations — propensity scoring, nudge cadence, and recovery playbooks to keep 12-month persistency above target across lines.
Multi-line cross-sell
Existing-book cross-sell campaigns across life, health, protection, and general — propensity-scored, language-routed, agent-matched.
Model families we deploy
The brain behind every agent desk decision.
Renewal, cross-sell, commission, and next-best-action — four distinct models, one unified desk. Each covers a different lever of agent productivity.
Gradient-boosted ensemble over tenure, payment pattern, contact history, and life-stage features. Flags likely lapses early enough to save, not after the grace period.
Neural retrieval over customer profile + in-force portfolio, re-ranked by product fit, regulatory eligibility, and agent licence scope. Recommends what's compliant + wanted.
Deterministic earning-code rules combined with LLM arbitration on edge cases — maps every policy event to commission, clawback, or hold without manual triage.
Ranks the highest-value action for each agent each morning — renewal, cross-sell, recovery, or review — so the desk is always prioritised against value × urgency.
Data sources wired into every desk
Every signal an agent actually needs — integrated.
Streamed in real-time, normalised into a single agent schema, versioned alongside the models and disclosure rules that consume them.
Explainability, not just ranking
Agents trust a recommendation they can see inside.
Every cross-sell suggestion, renewal score, and commission event arrives with reasoning — top features, historical pattern, compliance path, language fit. Agents see why; managers see lineage; regulators see audit.
- Top-feature reasoning per recommendation
- Licence + certification check on every quote
- Commission + clawback evidence per agent per event
- Aligned to MAS FAIR Act, HKIA Code, PDPA
Frameworks we align to
Why Axccelerate for agent productivity
Not a CRM.
A distribution stack.
A CRM records what already happened. Our stack prioritises what should happen next — the desk, the scoring, the reconciliation, the compliance, all working together on the same screen.
Pricing
Priced to the distribution shape, not seat count.
Distribution deployments are custom — we scope against your channels, agent count, and PAS integrations before quoting.
Glossary
The vocabulary of insurance distribution.
A quick reference for the terms your tied agency, IFA network, or broker federation will all use when talking about productivity.
- Tied agent
- Carrier-exclusive representative
An agent licensed to represent a single carrier. Common in life and health insurance — drives depth of product training but limits customer choice.
- IFA
- Independent Financial Advisor
An advisor representing multiple carriers. Carries suitability obligations, disclosure requirements, and typically charges advisory fees alongside commissions.
- GA
- General Agent
An intermediary that appoints and manages sub-agents across a territory — runs recruitment, training, and commission administration on the carrier's behalf.
- Broker
- Multi-carrier intermediary
A licensed entity placing risk with multiple carriers on the customer's behalf. Dominant in commercial, specialty, and high-net-worth personal lines.
- Commission
- Agent revenue per policy
The fee paid to the selling agent — typically a percentage of premium, varying by product, year, and tier. First-year commissions usually exceed renewal commissions.
- Clawback
- Commission recovery on lapse
Recovery of commission paid when a policy lapses early. Protects the carrier from churn-abuse but requires transparent evidence and prompt communication to the agent.
- Persistency
- Retained in-force rate
The percentage of policies still in force after a specified period (typically 12 or 24 months). The core retention KPI for any agent-distributed book.
- Renewal rate
- Renewed / eligible ratio
The fraction of renewable policies that are actually renewed in a given cycle. Short-tail general insurance metric; life insurance typically uses persistency instead.
- Cross-sell
- Adjacent product placement
Selling a different product line to an existing customer — e.g., adding critical-illness cover to an existing life policy. The cheapest growth channel available.
- Up-sell
- Higher-tier product placement
Moving a customer to a higher-coverage or higher-premium version of an existing product. Common at renewal when life-stage triggers are visible.
- NBA
- Next-Best-Action
The top-ranked action for an agent at a given moment — call, quote, renew, review, or refer — produced by a sequence model trained on outcome history.
- Leads
- Scored sales opportunities
New prospects surfaced to agents with qualification state, contactability, language preference, and propensity score attached. Cold lead routing without the cold calls.
- Pipeline velocity
- Value × stage / time
A composite metric — average opportunity value × win rate / cycle time. Reveals whether a desk is actually moving or just accumulating stale pipeline.
- Earning code
- Commission classification
The structured code that maps a policy event to a commission rule — product + year + tier + override path. The backbone of automated reconciliation.
Your distribution stack, engineered.
30-minute scoping with a senior engineer and a distribution-systems operator. You'll leave with a rollout plan, integration sketch, and realistic timeline — not a sales pitch.