Insurance agency management
Episcript designs, builds and supports Insurance Agency Management Systems in Singapore: clients, policies, renewals, commissions and claims, with AI we build in to read policy documents, draft renewal reminders, answer clients and check commission statements.
For insurance agencies, general insurance brokers and financial advisory firms, from a small agency to several agent teams.
Core modules
The modules most agencies and brokers start with, all working from one client record.
One record per client holds contact details, family or company links, every policy held through you, sums insured, premiums and documents, with policies grouped by household or business.
Renewal dates come from each policy, and clients get reminders by email or WhatsApp a month and a week before expiry, with unrenewed policies flagged to the servicing agent.
Quotations from several insurers sit side by side on the client's record, with premiums, cover and exclusions compared, and the client's chosen option turned into a policy without retyping.
Commission is recorded by policy, agent and override level, then reconciled against each insurer's statement, so missing or short payments show before agents are paid.
Each claim is logged against its policy → with the insurer's reference, documents and status, and the servicing agent sees every claim waiting on the client or the insurer.
Policy schedules, fact-finds, recommendations and signed acknowledgements are filed against the client and policy, building the record of advice your firm keeps for its own compliance obligations.
Clients and policies
The agency system is a specialised custom CRM: every client, policy, quotation and conversation sits on one record, and each agent works from their own book of business. Leads and referrals are followed through to a placed policy.
Commissions
Commission follows each policy from the insurer's statement to the agent's payout, with broker fees billed through our Invoicing Software.
First-year and renewal commission recorded on every policy
Overrides paid up each level of your agency structure
Statements loaded and matched line by line to policies
Unmatched or short lines listed for follow-up
Commission recovered when a policy lapses or is cancelled
A payout statement for each agent every period
Commission income and fees passed to Xero or QuickBooks
Income by insurer, product line, agent and month
Advice and claims
Every recommendation, signed form and claim is filed against the client and the policy it belongs to.
By role
Each person sees what their role needs, from the same client and policy records.
New business, renewals, commission income and open claims across every team on one dashboard, with AI answering questions about your own data.
Their own clients, quotations, renewal list and commission statement in one login, with fact-finds completed on a tablet in front of the client.
Policy documents filed, endorsements recorded and renewal reminders sent on schedule, with policy schedules read into the record by AI for checking.
Advice records, signed acknowledgements and file reviews for each agent in one place, with incomplete records listed for follow-up.
Insurer statements matched to policies, overrides worked out by level and agent payouts prepared, with fee invoices synced to your accounting system.
Policies, renewal dates, claim status and documents in a client portal, with routine questions answered on WhatsApp outside office hours.
Built to order
Built in phases using information from your own system, with staff approving every output.
Module library
Add these as your agency needs them.
Applications, group cover and client contact in one place.
Follow each application from submission through underwriting questions to issue, with outstanding insurer requirements listed.
Hold group policies for corporate clients, with employees added and removed by endorsement and premiums adjusted to match.
Send newsletters and campaigns to client segments by email or Mailchimp, with marketing consent recorded against each client.
Schedule annual policy reviews and birthday greetings for each client, with the agent reminded a week before.
Every change, premium and request kept on the policy.
Record changes to cover or beneficiaries as endorsements, with earlier versions of the policy kept in its history.
Track premiums due and paid on each policy, with reminders sent before a premium falls overdue.
Log requests and complaints as cases with an owner and target date, run through our Case Management System.
Keep each insurer's products, commission rates and contacts in one catalogue, and every new policy picks from it.
Teams, licences and file reviews kept up to date.
Set up teams, units and reporting lines, with each manager seeing only their own agents' clients and figures.
Keep each agent's appointment, licence and training records, with expiry dates flagged a month ahead.
Supervisors review a sample of each agent's cases, with findings and follow-up actions recorded against the agent.
Role-based access for agents, supervisors and finance, with every change to a client or policy logged by user.
Figures, letters and agreements from the same records.
See new business, renewals, retention and commission income by team, agent, insurer and product line on one screen.
Generate letters, renewal notices and recommendation summaries from your own templates, filled in from the client and policy.
Keep agency agreements with each insurer in one register, with review and renewal dates reminded ahead of time.
Bring client, policy and commission history across from spreadsheets or your current system, checked in a test import.
Integrations
Connect the system to the messaging, office, accounting and payment tools your agency already uses.
WhatsApp Business
Google Workspace
Xero
QuickBooks
PayNow and payment gateways
Singpass, Corppass and Myinfo
DocuSignCustom build
Packaged platforms suit agencies whose processes match the product, and free or open-source tools can hold a basic client and policy list. When your commission structure, product mix or advice process does not fit them, we build the system around your rules and change it as you grow.
Questions
The best Insurance Agency Management System is the one that fits how your agency quotes, services policies and pays commission. A packaged product suits standard processes, and a custom build fits when your structure or advice process does not.
AMS stands for agency management system: the software an insurance agency or broker uses to hold clients and policies, manage renewals and quotations, track commissions and claims, and keep documents and advice records in one place.
A CRM manages contacts, leads and sales activity for any business. An AMS adds what insurance needs: policies, renewals, insurer quotations, commission reconciliation, claims and advice records. Ours is built as a specialised CRM, so you get both.
A CRM for insurance is a client system built around policies. Each client record holds their policies, renewal dates, quotations, claims and conversations, and the system reminds the agent when a renewal or review is due.
It depends on your process. Free or open-source tools can hold a basic client list but usually leave commission reconciliation and support to you, while a custom system starts with clients, policies and renewals and grows with you.
The system keeps fact-finds, product recommendations, disclosures and signed acknowledgements against each client, with supervisor reviews and an audit trail. It supports your firm's own compliance obligations alongside your policies and procedures.
The system imports each insurer's commission statement in its own format and matches it to policies line by line. Short, missing or unexpected payments are listed before agent payouts and overrides are calculated.
Cost depends on scope: the modules in the first phase, the insurers whose statements you reconcile and the data to migrate. We quote after a scoping session and price each phase separately. Call 6581 3431 to talk it through.
Our solutions are eligible for government grants. We explain how the schemes apply to your project and what the grant body looks for, so you can budget with the full picture in front of you.
The system connects to Xero, QuickBooks and other accounting software for fees and commission income. Insurer portals and data feeds are connected where the insurer offers one, so tell us which you use and we will confirm.
AI features can be added, each built in its own phase using information from your own system. They cover document reading, client questions on WhatsApp and email, drafting, data questions, forecasts and commission checks, with staff approving every output.
Related solutions
Next step
Bring a month of renewals and one insurer's commission statement, and we will show you both handled in the system, with AI reading the documents and drafting the reminders.