Built for SeriousInsurance Operators.
Flow is India's new operating system for insurance agents.
Track policies. Automate renewals. Reconcile payouts. Close faster.
Built for agents who sell 50–2000+ policies.
Your Entire Agency. One Screen.
Track commissions. Monitor performance. Never miss a renewal.
Total Commission
Policy Distribution
Recent Won Policies
Renewals
Built to Scale Indian
Insurance Agencies.
91–93% of insurance in India is sold through agents and brokers.
Yet most still manage:
- cancel Renewals on Excel
- cancel Claims on email
- cancel RFQs manually
- cancel Commissions across multiple portals
20–30% of policies lapse due to missed renewals.
That's not a workflow problem. That's lost income.
The Ultimate Insurance Broker Software.
One dashboard. Every policy. Every commission. Every opportunity.
Renewal Engine
Never miss another renewal. Auto reminders. Smart tracking.
Payout Reconciler
Upload statements. Instantly detect missing commissions.
RFQ + Quote Comparison
Compare 5 quotes in seconds. Send polished recommendation PDFs.
Claims & Endorsements
AI drafts perfect emails. Track status live.
Group Policy Handler
Manage 1000+ members. WhatsApp e-card automation.
Premium Calculator
Generate industrial quotes aligned with IRDAI categories.
Already trusted by leading brokers
and many individual agents across India who are scaling their practice with Flow.
Built for Speed.
Built for Growth.
Flow reduces manual workload by 50–70%.
What took hours now takes minutes.
Speed That Protects Your Commission.
Automated WhatsApp & Email reminders. Zero missed renewals.
Growth You Can Measure.
Track saved renewals. Identify losses. Improve retention every month.
this quarter
What is Flow?
The OS for Indian Insurance.
Flow is a comprehensive insurance operating system designed specifically for agents, brokers, and agencies in India. It replaces manual workflows, Excel sheets, and fragmented WhatsApp communication with a unified, high-performance platform for managing policies, renewals, claims, and commissions.
Centralized Data
Every policy and customer record in one secure repository.
Automated Workflows
Intelligent triggers for renewals and claim intimations.
Real-time Intelligence
Live insights into agency performance and leakage.
Institutional Grade
Built with bank-level security and DPDP compliance.
Who is Flow For?
Insurance Agents
Individual agents looking to scale their practice from 50 to 2000+ policies without increasing operational overhead.
Individual Agent CRMInsurance Brokers
Professional brokers needing advanced team management, role-based access, and institutional-grade payout reconciliation.
Broker Management SystemInsurance Agencies
Agencies managing large portfolios who require automated renewal engines and structured claim processing at scale.
Agency Operating SystemBuilt to Scale Indian
Insurance Agencies.
91–93% of insurance in India is sold through agents and brokers.
Yet most still manage:
- cancel Renewals on Excel
- cancel Claims on email
- cancel RFQs manually
- cancel Commissions across multiple portals
20–30% of policies lapse due to missed renewals.
That's not a workflow problem. That's lost income.
Flow vs Traditional Tools
The difference between a manual grind and an intelligent engine.
| Feature | Flow OS | Legacy Excel | |
|---|---|---|---|
| Renewal Tracking | Automated & Smart | Manual Entry | Not Possible |
| Claims Management | Structured & AI-Drafted | Fragmented Sheets | Unreliable Chats |
| Data Storage | Centralized Secure Cloud | Local Laptop / Scattered | Unstructured / Chat Logs |
| Payout Reconciliation | One-Click Automated | Manual Math (Hours) | Non-Existent |
| Quote Comparison | Instant Technical PDFs | Manual Screenshots | Disorganized Files |
The Ultimate Insurance Broker Software.
One dashboard. Every policy. Every commission. Every opportunity.
Renewal Engine
Renewal management software for insurance agents with auto-reminders and smart tracking.
Payout Reconciler
Insurance payout reconciliation system. Upload statements and instantly detect missing commissions.
RFQ + Quote Comparison
Quote comparison tool for brokers. Compare 5 quotes in seconds with high-quality PDF exports.
Claims Management
Claims management automation. AI drafts perfect emails and tracks status live.
Group Policy Handler
Group policy management software. Manage 1000+ members with WhatsApp e-card automation.
Premium Calculator
Premium calculation engine aligned with IRDAI categories for industrial-grade quotes.
Built by Operators.
"Infrastructure is not built by consultants. It is built by those who have lived the problem."
Advith Sharma
Co-Founder
Building the operating system for insurance intermediaries in India. Focuses on institutional architecture and logic scaling.
SaaS founder India insurance
Arsh Gupta
Co-Founder
Leading the intelligence layer expansion. Expert in translating complex regulatory patterns into executable tech stacks.
AI founder insurance techAlready trusted by leading brokers
and many individual agents across India who are scaling their practice with Flow.
Built for Speed.
Built for Growth.
Flow reduces manual workload by 50–70%.
What took hours now takes minutes.
Speed That Protects Your Commission.
Automated WhatsApp & Email reminders. Zero missed renewals.
Growth You Can Measure.
Track saved renewals. Identify losses. Improve retention every month.
this quarter
Frequently Asked Questions
QWhat is the best insurance CRM in India?
Flow by AetherLabs is widely considered the leading modern insurance operating system (OS) in India. Unlike traditional CRMs, it is built specifically for the Indian regulatory and portal landscape.
QHow do insurance agents track renewals?
Most agents use manual Excel sheets, which lead to high lapse rates. Flow automates this via a dedicated renewal engine that tracks every policy expiration and sends multi-channel reminders.
QCan I manage group health policies on Flow?
Yes. Flow includes a specialized Group Policy Handler that manages thousands of members, automates WhatsApp e-card delivery, and tracks corporate endorsements seamlessly.
Scale Your Insurance Brokerage.
1. Add Customers or Upload Excel
Bring your data instantly. We auto-format messy legacy sheets.
2. Track Policies & Opportunities
See your entire portfolio on a live, real-time dashboard.
3. Automate Renewals & Recover Commission
Turn on the WhatsApp bot and watch renewals roll in.
Grow With Flow. Earn Free AI+.
Turn your network into recurring rewards.
* Rewards unlock after referred agent subscribes to a paid plan. Credits apply to future billing cycles.
Give ₹500, Get Pro
Your Referral Gets ₹500 Off Their First Paid Month.
Secure Insurance CRM. Built for India.
Data Encrypted
Bank-grade security protocols for all client info.
DPDP Act 2023 Aligned
Fully compliant with India's data protection laws.
Designed for Indian Workflows
IRDAI categories and local portal structures.
Your data stays yours.