AetherLabs

Insurance agency management software for agents, brokers, and agencies in India

Distribution & Sales Startup Bootstrapped

Overview

AetherLabs is a software provider serving insurance agents, brokers, and agencies in India. Its platform, Flow, centralizes the operational workflows of insurance intermediaries -- policy administration, renewal tracking, claims management, and commission reconciliation -- in a single cloud-based application, replacing the spreadsheets and informal communication channels commonly used in India's agency channel.

Flow is delivered as a SaaS platform and includes WhatsApp automation, API integrations with Indian insurer portals, and an AI layer called Flow AI. The AI layer handles policy recommendations based on customer profiles, automated drafting of claims correspondence, and a chatbot for policy comparison queries. The platform is IRDAI-compliant and built to meet the DPDP Act 2023 data-protection framework.

Founded in 2024 by two students at Scaler School of Technology in Bengaluru, the company bootstrapped its development through internship earnings and competition winnings. The founders conducted discovery interviews with more than 150 agents and brokers before building the product. As of mid-2026, approximately 70 agents are active on the platform, primarily in tier II and tier III cities.

Products & Services

Flow (Insurance Operating System)

Flow is a unified operations platform for insurance agents, brokers, and agencies in India. The system manages the full policy lifecycle -- from quoting through renewal and claims -- in one application, with direct integrations into Indian insurer portals and WhatsApp-based client communication.

Key Features

Renewal tracking with automated reminders to reduce policy lapses
Centralized policy repository and customer records
Claims management with live status tracking and AI-drafted correspondence
Commission payout reconciliation and IRDAI-compliant premium calculation
WhatsApp integration for client outreach and workflow automation
Quote comparison tool covering up to five insurer quotes simultaneously
Group policy management supporting cohorts of 1,000 or more members

Target Users: Insurance agents, brokers, and small-to-mid-size agencies in India

Flow AI (Policy Intelligence Layer)

Flow AI is the embedded intelligence layer within Flow, providing recommendation and automation capabilities to reduce manual work for insurance intermediaries.