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The NBFC Insurance Distribution Problem

Every loan disbursement is an insurance opportunity. Most NBFCs are missing all of it, not from lack of interest, but from barriers they have not yet found a clean way around.

Getting an IRDAI licence takes 6–18 months

The Corporate Agent or broker licence process demands significant compliance investment, personnel, and time, before you've sold a single policy.

Insurance revenue is left on the table with every disbursement

Without a licence, you can't earn on insurance products tied to your own loan customers, customers you've already acquired, verified, and approved.

Manual referral converts at less than 5%

Telling a loan customer to "call an insurer" after disbursement is a dead-end. Embedded insurance at the point of disbursement converts at 30–70%.

No API to plug insurance into your loan origination system

Insurer direct integrations are fragmented, slow, and require individual tie-ups with multiple companies, months of engineering work per insurer.

Compliance team can't take on another regulatory framework

Your team is already stretched managing RBI and lending regulations. Adding IRDAI compliance from scratch isn't feasible without dedicated headcount.

Customer data exists, but can't be leveraged without the right structure

You have KYC, income data, and credit history for every borrower. Without the right regulatory wrapper, you can't use it to distribute insurance.

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BeyondSure: The IRDAI-Compliant NBFC Insurance Stack

We've solved every barrier. You don't need a licence. You don't need an integration project. You just need to go live.

Operate under BeyondSure's IRDAI-licensed entity

No licence required from you. Full compliance. Zero regulatory overhead on your side. We handle IRDAI; you focus on your customers.

Insurance at disbursement via API integration

Plug into your existing loan origination system. Loan approved → insurance offer → one-click accept → instant policy. The entire journey in your interface.

Products designed for loan customers

EMI protection, credit life, health insurance, products that protect your NPA exposure and deliver genuine value to borrowers.

67% average attachment rate at disbursement

Embedded insurance at the right moment converts dramatically better than post-disbursement referrals. Average NBFC partner sees 67% attachment versus <5% for manual referral.

Full compliance managed by BeyondSure

KYC, policy issuance, and regulatory reporting — handled entirely by our team and platform. Your compliance team stays focused on what they know.

From contract to first policy in 48 hours

We've done this integration dozens of times. Our onboarding team gets you live faster than you'd expect. No 6-month projects, no infrastructure overhead.

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Built for How NBFCs Actually Work

Six capabilities that turn your loan book into an insurance distribution channel, with zero licensing burden on your side.

No IRDAI Licence Needed

You operate through BeyondSure's licensed entity. Full compliance. Zero regulatory overhead on your side.

Disbursement-Linked Insurance API

Plug insurance directly into your LOS. Loan approved → insurance offer → one-click accept → instant policy.

EMI Protection & Credit Life

Offer loan protection products that protect your NPA exposure AND give customers genuine value.

Customer Health Insurance Cross-Sell

Leverage your existing customer relationships to cross-sell health, motor, and life insurance at virtually zero acquisition cost.

Revenue Share Model

BeyondSure shares commission on every policy sold through your network. New revenue. No capital expenditure.

Full Compliance Stack

KYC verification, policy issuance, claim filing, and IRDAI reporting — handled entirely by BeyondSure's team and platform.

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What NBFC Partners Achieve

Real outcomes from NBFCs using BeyondSure's embedded insurance stack.

67%

Average loan-linked insurance attachment rate

₹2.4 Cr

Average incremental premium in Year 1 for NBFC partners

48 Hrs

From signed contract to first policy issued

"We assumed insurance required a 12-month licensing journey. BeyondSure showed us we could go live in two days under their entity. We've now added insurance to every disbursement, and it's become a meaningful P&L line."

CFO, Mid-size NBFC, Western India

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Start Earning on Every Disbursement

Book a demo and see how BeyondSure can add an insurance revenue line to your NBFC, no licence, no compliance project, live in 48 hours.

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