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Better protection starts with understanding real lives and real risks.
Protector IQ is a specialist consultancy in insurance innovation, product intelligence and risk protection. We help organisations turn protection needs into practical insurance products, technology requirements and programmes. Our expertise comes from insurance underwriting and product innovation.
Product intelligence
Understand existing offerings, coverage gaps and opportunities, informed by AVYA’s insurance product knowledge base.
Project outputs
Product comparisons
Coverage-gap assessments
Opportunity briefs
Product design and innovation
Turn protection needs into product concepts across health, mainstream commercial insurance and emerging risks.
Project outputs
Product concept notes
Coverage structures
Underwriting frameworks
Technology scoping and testing
Translate insurance requirements, underwriting and claims logic into specifications and user acceptance testing.
Project outputs
Requirements specifications
Business-rule maps
Test scenarios and UAT support
What We Do
Technology products we have created
AVYA — a distinct consumer-facing insurance assistant built for women. Its insurance product knowledge base supports our consulting; confidential conversations and personal health data are not shared with clients.
Agent Saathi — a technology product created for frontline insurance work.
Both illustrate our experience translating insurance needs into practical technology.
Protector IQ Insights
Specialised insurance products
Custom concepts can include livelihood insurance for self-help groups, breast cancer protection for women, cyber fraud protection, pet insurance, borrower and credit-book resilience, and specialist commercial products.
We define the protection need, coverage structure, underwriting requirements and claims journey. These are design capabilities; launch and coverage depend on an insurer’s assessment, policy terms and applicable requirements.
Climate and rural livelihoods
Assess protection needs around climate exposure, income disruption and livelihood resilience. We help organisations shape programmes and pilots around the risks faced by rural households and businesses.
Project outputs: protection-needs assessments, programme designs and pilot plans. Each engagement is scoped to available evidence and the decisions your team needs to make.
Women’s health and economic resilience
We help organisations translate needs and research — including cancer, fertility and menopause — into opportunities for better financial protection.
Project outputs: research-to-protection briefs, coverage-gap maps, and product or programme concepts. We consider treatment costs alongside income disruption, caregiving and economic resilience.
Who we work with
Insurers
Review existing offerings and develop health, mainstream commercial and emerging-risk products, with clear coverage structures and underwriting approaches.
IT and technology firms
Translate insurance, underwriting and claims requirements into system specifications, test scenarios and user acceptance testing.
Development organisations
For NGOs, foundations and development institutions: assess protection gaps and shape practical programmes and pilots for communities.
Healthtech and health research
Help healthtech companies and health research organisations translate needs and research into opportunities for better financial protection.
Government agencies
Shape protection programmes for livelihoods, financial inclusion, climate resilience and women’s economic empowerment.
Banks, NBFCs and MFIs
Design custom insurance products for customers and assess protection needs across credit portfolios. Define coverage concepts, underwriting requirements and clear customer journeys.
