NavNirvana
A licensed financial advisory taking insurance and investment guidance mobile — life, health and motor cover alongside wealth planning, from an IRDAI-registered Insurance Marketing Firm.
- Financial Services
- Mobile Apps, UI/UX, Product Engineering
- iOS, Android
The problem
Insurance is bought reluctantly and understood poorly. The advice that matters happens in conversation, but the paperwork, comparisons and renewals that follow do not — and an advisory regulated by both IRDAI and AMFI cannot simply ship whatever converts best. Everything a customer is shown has to be defensible.
The opening
The advisor relationship is the asset. Rather than replacing it with a self-serve funnel, the app can carry the parts that do not need a person — comparing cover, storing documents, tracking renewals — so the advisor's time goes to the conversation only they can have.
How we approached it
- Digitise the follow-through, not the advice itself
- Present regulated products in plain language without overstating them
- Keep one record per household, since cover is rarely bought individually
- Design for a customer who opens the app twice a year, not twice a day
What we built
- iOS and Android apps for a licensed advisory practice
- Life, health and motor insurance presented as comparable options
- Wealth planning alongside protection, under one advisor relationship
- Document handling for policies, proposals and renewals
- Advisor-led journeys rather than an unattended self-serve funnel
Inside the product
Life insurance
Long-term protection presented in terms of what a family is left with, rather than as a table of sums assured.
Health insurance
Cover for medical costs, where the decision hinges on exclusions and network — the details buyers usually discover too late.
General & motor insurance
Vehicle and asset cover, the category customers actually renew, and the natural entry point to the wider relationship.
Wealth planning
Mutual fund distribution under an AMFI ARN, sitting beside protection instead of in a separate product silo.
What it took
to build.
Regulated distribution
Insurance and mutual fund distribution answer to IRDAI and AMFI. Product data, disclosures and what a customer was shown all have to hold up to that.
Multi-insurer product data
Cover from several insurers has to be modelled into something genuinely comparable, without flattening the differences that matter at claim time.
Documents as first-class data
Proposals, policies and renewal notices are the artefacts customers come back for, so storage, retrieval and expiry are core, not an attachment feature.
Renewal as the retention loop
A policy lapses silently. Renewal timing drives notification design and is the main reason the app is opened at all.
Advisor and customer in one system
The advisor's view and the customer's view are the same records seen from different sides, which is a permissions problem before it is a UI one.
Built for infrequent use
An app opened twice a year cannot rely on familiarity. Every screen has to re-explain itself to someone who last used it eleven months ago.
Tell us what you're trying to build.
You don't need a finished brief. Tell us what the business does, what you're trying to achieve and what isn't working. We'll take it from there.