Sell insurance at bank scale without bank-channel chaos.
Branch and digital distribution with licensed-seller controls, simple products issued straight-through, commission settlement between bank and carrier that reconciles cleanly, and customer views that respect both relationships.
Bancassurance Channel Center
LiveActive branches
1,240
STP issuance
82%
↑+7ptsSettlement disputes
4
↓-11Suitability pass rate
99.6%
Policies issued via channel, last 12 months (k)
AegisNow serves bancassurance partnerships — banks distributing insurance and the carriers behind them — with channel-ready distribution controls (licensing, appointments, suitability), straight-through issuance of simple protection and savings products, dual-hierarchy commission settlement between bank and carrier, and a Customer 360 that joins the banking relationship to the policy view while keeping conduct evidence exam-ready.
Point-of-sale checks make every branch and digital sale provably in-authority and suitable.
Illustrative, capability-framed outcome — your results depend on your data, scope and configuration.
The pressures that define bancassurance
Every bancassurance programme answers to a distinct set of loss modes and regulators. AegisNow maps both onto one governed core — so a single filing artifact can satisfy many regimes.
Unlicensed or unappointed sellers in a high-volume channel
Mis-selling and suitability exposure at branch scale
Commission settlement disputes between bank
and carrier
Broken handoffs between bank onboarding
and policy issue
Conduct scrutiny of tied
and restricted distribution
Customer data sharing
across bank and insurer boundaries
Mapped to one filing library
Obligations from each regime auto-map to shared artifacts, so evidence collected once satisfies many regimes at exam time.
- State DOI / producer licensing
- FCA Consumer Duty (UK)
- IDD (EU distribution)
- GLBA / privacy rules
- Suitability & replacement regulations
Built for bancassurance, on one governed core
Each module is composable and shares the same data fabric, Cortex AI brain and evidence ledger — so coverage compounds across the vertical instead of fragmenting.
Distribution & Agency
Onboard, license, pay and grow your producer force.
Policy Administration
Service the book, launch products and run MGA programs on one core.
Billing & Collections
Collect every premium, settle every commission, on time.
Customer 360
One view of every policyholder, household and interaction.
Underwriting Workbench
Rate, decide and refer on one governed underwriting desktop.
Cortex AI
AI that drafts and assists across insurance — but never decides ungoverned.
The branch experience finally matches the banking app: the customer walks out covered, and we can prove every sale was licensed and suitable.
82%
of channel policies issued straight-through
The challenge. A retail bank selling protection and savings products through 1,200+ branches could not reliably verify seller licensing at the point of sale, commission settlement with its carrier partners generated monthly disputes, and applications left the branch as pending paperwork rather than issued policies.With AegisNow. The bank and its carrier partners deployed Distribution & Agency for point-of-sale license, appointment and suitability validation, straight-through issuance of simple products via the product factory and confidence-gated underwriting, and dual-hierarchy commission settlement with automatic earned-vs-paid reconciliation.
Illustrative scenario; the organisation is described by sector only. No fabricated names, logos or certifications.
Bancassurance operations, clarified
The questions bancassurance underwriting, claims and finance leaders ask most.
Resilience built for bancassurance
See AegisNow mapped to your bancassurance regulators, lines and workflows in a working environment — in one session.