Insurance that rides inside the loan, and never slows it down.
Credit life, health and asset covers attached at sanction, straight from your LOS. Total journey cost: under 30 seconds of disbursal TAT.
- +28%
- attach on personal loans
- +0:29
- total TAT added to disbursal
In short: Credit-linked insurance covers a borrower's life, health or assets for the loan tenure. DeployIT integrates with NBFC loan origination systems so cover is quoted, consented and issued within disbursal, paperless and IRDAI-compliant.
The disbursal, frame by frame
Six frames from inside an actual LOS journey. Watch the elapsed time in the corner of each one.
- 1t+0s
Sanction event
Your LOS approves a ₹6L personal loan. A single API call passes borrower data; nothing is re-keyed.
- 2t+2s
Priced offer returns
Credit life from 3 carriers, best premium surfaced: ₹2,340 for the tenure. Eligibility rules already applied.
- 3t+9s
The borrower decides
One screen: cover, premium (disclosed in the KFS), clear opt-out. Consent or decline, both logged with timestamps.
No forced bundling, by design.
- 4t+18s
Issued
COI generated against the group master; policy on the borrower's WhatsApp before the disbursal SMS arrives.
- 5t+29s
Disbursal proceeds
Insurance added zero queue time. Your ops team did nothing.
- 6Month 14
The part nobody builds
A borrower forecloses, and the pro-rata refund auto-executes. Another is hospitalized, and the claim routes against the loan account, documents collected digitally in 3 days.
Lifecycle automation is where 60% of cover lapses used to happen.
Attach cover inside the loan, not beside it
Credit-linked insurance lives in your disbursal flow, quoted, consented and issued without a second journey or a single re-keyed field.
Credit life and EMI protect
Credit life and EMI protection bundled at the moment of sanction, priced from multiple carriers against the loan tenure.
Embedded at disbursal
Cover, premium and a clear opt-out surface on one screen, with the premium disclosed inside the KFS before the borrower decides.
Automated renewals
Renewals and foreclosure refunds run on their own across the loan lifecycle, cutting the lapses that manual chase-ups leave behind.
Single-window claims
A hospitalised or deceased borrower's claim routes against the loan account, documents collected digitally and settled per policy terms.
The product rack
Credit life
PL, HL, LAP, MFI
Credit health
hospicash and CI on PL, BL
Job-loss riders
PL, HL
Property & asset
HL, auto, gold
Borrower group health
upsell at top-up
The three numbers your board asks about
- 28%
- PL attach, against an industry manual benchmark near 12%
- <30s
- added disbursal TAT, end to end
- 60%
- fewer cover lapses across the loan lifecycle
How: inline consent at the moment of sanction.
How: issuance runs asynchronously after consent.
How: foreclosure, refund and claim events automated.
Integration reality check
- Which LOS?
- Any with API capability; pre-built adapters for common Indian LOS stacks. REST plus webhooks.
- Group master or individual policies?
- Both; COI-under-master is the standard credit-life pattern.
- DSA and branch channels?
- Same journey, assisted mode.
- Compliance trail?
- Consent, KFS disclosure and opt-out logs, exportable for RBI and IRDAI conduct reviews. See compliance.
Frequently asked questions
Does insurance slow disbursal?
No. Quote and consent are inline (under 30 seconds); issuance is asynchronous.
Can borrowers refuse?
Yes. Opt-out is one tap and logged; conduct-clean by design.
Foreclosure handling?
Pro-rata refund or cover continuation, configured per product, executed automatically.
Claims against the loan?
Proceeds can settle the outstanding first, balance to nominee, per policy terms.
Bring your LOS team. Leave with a sequence diagram.
A technical demo walks the six frames against your own sanction events, with the API calls on screen.