Smart Agent is the dedicated POSP insurance software India trusts — track multi-insurer commissions, manage policies and automate WhatsApp renewal reminders in one app. From ₹999/yr.
Understanding the role of the Point of Sales Person
A POSP — short for Point of Sales Person — is an IRDAI-certified distributor authorised to sell specific categories of insurance products in India. Unlike traditional tied agents who represent only one insurer, POSPs can sell for multiple companies simultaneously. They usually focus on motor insurance, health insurance, term life, personal accident and travel plans. POSPs have become one of the fastest-growing distribution channels in Indian insurance — enabling millions of entrepreneurs to enter the insurance business with minimal capital and flexible hours.
But representing many insurers also means juggling many things. Every insurer has its own commission grid, product pricing, portal access, renewal timeline and document format. Without a proper CRM, POSPs often lose track of where their income is coming from, miss renewal windows, and cannot produce consolidated reports for tax filing. This is exactly where Smart Agent steps in.
The gaps generic CRMs do not close
Most insurance CRM software is designed for agents of one primary insurer — typically LIC-focused or tied to a single general insurer. When a POSP tries to use such tools, they hit walls quickly. Commission calculation does not support insurer-specific percentages. Policy categorisation is limited. Product types for motor OD/TP, health family floater or critical illness are absent or partial. And there is rarely any integration for motor-specific needs like RC lookup or challan verification — which a POSP selling motor insurance uses multiple times per day.
The second challenge is affordability. High-end insurance platforms in India often price at ₹5,000–₹10,000 per year, out of reach for POSPs who are just starting out and earning small ticket commissions. Many POSPs therefore resort to Excel sheets or WhatsApp notes — both of which collapse once you cross a couple of hundred policies. Smart Agent closes both gaps: an insurance-first CRM built around the realities of Indian POSP selling, at a transparent ₹999/yr entry price.
Purpose-built features for multi-insurer sellers
Add any number of insurers you represent — HDFC Ergo, ICICI Lombard, Bajaj Allianz, Star Health, Max Life, and more — each with its own commission grid.
Set per-product commission percentages for every insurer. Auto-calculate income per policy and see consolidated payouts by insurer.
Verify vehicle details and pending challans before issuing motor insurance — pay-as-you-go with no subscription.
Motor (2-wheeler, 4-wheeler, commercial), health, life, personal accident, travel — all categories supported with correct data fields.
Send personalised renewal reminders in Hindi or English, with policy number and expiry date pre-filled.
Download month-wise, insurer-wise and product-wise income reports — perfect for tax filing and income reconciliation.
Start small and scale as your book grows
Silver ₹999/yr — ideal for solo POSPs • Gold ₹1,499/yr — growing POSPs with 800 active policies • Diamond ₹2,499/yr — experienced POSPs with 1,500 active policies • Platinum ₹3,499/yr — high-volume POSPs with up to 3,000 active policies. Every plan includes a free Android app, RC/challan check, WhatsApp reminders, commission tracker and a free agent website.
A POSP agent should use insurance CRM software that supports multi-insurer commission structures, policy tracking across motor, health and life, RC/challan check for motor policies, and WhatsApp renewal automation. Smart Agent is purpose-built for POSPs, starting at ₹999/yr.
Absolutely. Smart Agent supports POSPs who sell for multiple insurers simultaneously. You can set different commission rates per insurer and per product, track policies across all of them, and generate consolidated income reports.
Yes. The Silver plan at ₹999/yr is designed for solo POSPs — 150 active policies, unlimited clients, free Android app, WhatsApp reminders, free agent website and RC/challan check. Ideal to start without a big upfront cost.
A POSP or Point of Sales Person is an IRDAI-certified insurance distributor who can sell specific insurance products — typically motor, health and simple life plans — on behalf of multiple insurers. POSPs are a fast-growing channel in Indian insurance distribution.
Yes. You can add unlimited insurers, configure commission rates per insurer and per product type (motor OD, motor TP, health, life), and the system auto-calculates your total income with a breakdown by insurer, month and product.