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Protector IQ
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Insurance strategy, product and technology

Make good
ideas work.

A product can look right on paper and still fail at the point of sale. Or claim.

We bring underwriting judgement to the decisions that shape insurance businesses—from the market you enter to the product you build and the technology behind it.

Discuss your brief
THE WORK BETWEEN
AN IDEA AND ITS IMPACT
03 / DELIVERYWill it work
in the real world?
SYSTEMS · DISTRIBUTION · CLAIMS
02 / PRODUCTWhat exactly
are we promising?
COVERAGE · UNDERWRITING · ECONOMICS
01 / OPPORTUNITYWhat is worth
building?
Start with the question.
Not the solution.
PROTECTOR IQ / WORKING NOTES

Connected thinking. From first question to working detail.

Know the business.

For insurers, insurtechs, brokers, MGAs
and international teams considering India.

A closer look

The interesting work
starts one question deeper.

“We want to enter India.” “We need a new product.” “We’re building a platform.”
Good starting points. The next questions make the difference.

THREE ILLUSTRATIVE BRIEFS · A LOOK AT OUR THINKING, NOT CLIENT CASE STUDIES

01 THE MARKET DECISION

India is the ambition.
What’s the entry point?

A large market is not an entry strategy. Which customer can you serve differently? Through which channel? And what has to be true for the economics to work?

We connect market intelligence, product choices and the operating and regulatory questions—so the entry decision has more behind it than a market-size slide.

Inside an India-entry brief
FROM AMBITION TO A DECISION
Customer

A need you can serve

Proposition

A reason to choose you

Route

A way to reach the customer

Economics

A business that can hold up

THE OUTPUTA reasoned entry choice.
Including what to test first.
02 THE PRODUCT DECISION

When work stops,
the bills don’t.

“Income protection for gig workers” sounds like a product. It is still a set of unanswered questions.

Does it respond to illness, injury or the loss of available work? How is income established? What evidence can a customer reasonably provide? What can the insurer price and sustain?

That is where protection needs become a product concept—with the promise, limits and underwriting thought through together.

From need to an insurable proposition
PRODUCT NOTE / 002

The need is
income.
The design question
is the trigger.

Define the event. Establish the benefit.
Make the evidence practical.

ILLUSTRATIVE CONCEPT · NOT AN AVAILABLE POLICY
03 THE TECHNOLOGY DECISION

One word in a policy.
A dozen decisions
in the system.

Take “restore”. It looks simple in a brochure. A system needs to know when, how much, for whom—and what happens at the boundary.

We translate insurance meaning into requirements, decision logic and tests. So a polished screen does not hide an unresolved product question.

Explore system scoping and testing
FOLLOW THE RULEIllustrative benefit · Select a scenario

A proposed benefit restores the limit once per policy year, after exhaustion, for a subsequent unrelated illness.

Limit not exhaustedRelated illnessSecond restoration
THE TEST

Some of the original limit remains.

EXPECTED BEHAVIOUR

Do not activate restoration. “Almost exhausted” is not the trigger in this proposed rule.

Fictional design exercise, not policy advice. Actual rules and referral decisions follow insurer-approved wording.

The work you can commission

Bring the ambition.
We’ll get into
the detail.

One focused assignment or several connected workstreams. Clear questions, useful outputs and an agreed scope.

01

Find your place in the market.

Strategy · Market intelligence · India entry

Opportunity assessment, entry options and a decision brief.
02

Build a product with substance.

Product innovation · Underwriting

Product concepts, coverage structures and underwriting approaches.
03

Make the insurance logic work.

System development & scoping · System testing

Requirements, workflows, test scenarios and UAT support.
04

Reach customers. Understand results.

Go-to-market · Business analytics

Distribution choices, operating measures and questions worth tracking.

Build regulatory requirements into the work.

IRDAI compliance support across relevant products, processes and systems.

Applied AI, grounded in insurance expertise

More reach.
Less friction.
Still accountable.

The useful AI question is not “Can we add a chatbot?”

It is whether you can help more customers understand a product, complete a journey or find the right next step—at a cost that makes sense.

We scope the workflow, knowledge sources, human hand-offs and evaluation, then support execution within an agreed delivery scope. The insurance decision stays central.

Let’s define the useful AI problem
Inside our own work

We also use internal AI tools to support research and analysis, with source checks and insurance judgement. That is distinct from the solutions we scope for clients.

Thinking is only part of it

We build, too.

Our own products keep the practical questions close. What does the customer understand? Where does a workflow break? What needs a human?

AVYA↗

Insurance intelligence for consumers

A distinct consumer-facing insurance assistant built for women. AVYA’s insurance product knowledge can also inform Protector IQ’s institutional work.

Meet AVYA
Agent Saathi↗

A technology product we created

Built around frontline insurance work. An example of translating insurance needs into a digital product.

Meet Protector IQ

AVYA and Protector IQ have distinct customer journeys. Consulting draws on product knowledge—not private customer conversations or personal health data.

A wider view of protection

Commercial rigour.
Real-life stakes.

From mainstream commercial insurance to women’s health, climate and rural livelihoods, the discipline is the same: understand the need, test the proposition and make delivery practical.

We also work with banks, NBFCs, MFIs, foundations, public agencies, healthtech and research organisations on customer-suitable products and protection programmes.

Find your starting point

For NGOs, foundations & development institutions

A stronger programme.
Before the next shock.

Climate exposure becomes lost income, interrupted livelihoods and pressure on household finances. Start there—not with a preferred insurance mechanism.

We help shape protection programmes, assess parametric options and work through the funding and delivery questions within climate-resilience initiatives.

Explore climate, parametric protection & finance

Your next move

What are you
trying to make work?

A market entry. A specialist product.
A system that needs to understand insurance.
Start with the question on your desk.

Research & field research

The brief is a starting point.
Go closer to the reality.

We research markets and products, and work in the field to understand customers, communities and frontline experience. The findings help shape what to build, how to explain it and how to deliver it.

Explore research & field research
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