# C2L Biz

> Digital distribution transformation for insurance carriers across Asia Pacific, Middle East, and Latin America

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Mumbai, India |
| Founded | 2007 |
| Stage | Established |
| Employees | 201-500 |
| Funding | Seed |

## Overview

C2L BIZ Solutions is a Mumbai-based insurtech SaaS company specializing in digital distribution transformation for insurance carriers. Founded in 2007 by four co-founders (Vijay Chavan, Mangesh Vaitla, Vikas Keni, and Bhavesh Lalan) with deep insurance domain expertise, the company has grown to serve 40+ insurance carriers across 12 countries, including 9 of the Global Top 30 Insurers, with 100+ successful implementations completed.

The company's flagship SymbioSys platform covers the full insurance distribution lifecycle -- from field sales enablement and new business processing to underwriting automation, claims management, and microinsurance. C2L BIZ is positioned as a leader in low-code/no-code insurance distribution technology across Asia Pacific and the Middle East, with active expansion into Latin America via partnerships established since 2024.

With approximately 300 professionals and annual revenue of INR 121 Cr (as of March 2024), C2L BIZ continues to grow organically, serving Life, General, and Health carriers with cloud-native, API-enabled SaaS solutions.

## Products & services

### SymbioSys Sales Tool

Mobile field force sales platform enabling insurance advisors to manage leads, generate quotes, run product illustrations, submit e-applications, and process payments end-to-end. Supports offline mobile capabilities for agents in remote areas.

**Key features:**

- Lead management and sales collateral distribution
- Product illustrations and needs\-based analysis tools
- eKYC, e\-application, and auto underwriting integration
- Offline mobile support for remote field agents
- Low\-code/no\-code configuration for rapid product rollout

*Target users:* Insurance advisors, bancassurance teams, agency distribution channels

### SymbioSys Distribution Management Suite \(DMS\)

Real-time distribution performance tracking, compensation management, and incentive administration platform for insurers managing complex multi-channel distribution networks.

**Key features:**

- Commission computation with flexible, configurable rules by product line
- Incentive programs and sales contest management
- Distributor hierarchy and territory management
- Real\-time performance dashboards for self\-service agent access
- Regulatory\-compliant compensation structures

*Target users:* Insurer distribution operations teams, agency and broker channel managers

### SymbioSys Commission as\-a\-Service

Cloud-based commission management SaaS for the India non-life market. Supports 1,000+ configured commission rules with 100+ million transactions processed annually across 16 insurer deployments.

### SymbioSys New Business

Lead generation and new business processing platform streamlining the quote-to-bind process.

### SymbioSys Underwriting

Automated underwriting, field underwriting, and policy conversion capabilities reducing manual underwriting touchpoints.

### SymbioSys Claims Management

Automated claims processing system integrated with the broader SymbioSys distribution ecosystem.

### SymbioSys ODS

Operational data store providing unified customer and partner analytics across distribution operations.

### SymbioSys Health PAS

Digital retail health policy administration system for health carriers.

### MicroSys

Low-ticket microinsurance platform enabling carriers to reach underserved markets with simplified products and distribution.

## Category & focus

- Subcategories: Distribution Management, Field Force Automation, Commission Management, New Business Processing, Microinsurance
- Insurance verticals: Life & Annuity, P&C Commercial, Health
- Target customers: Carriers

## Notable customers

- FWD \(Philippines and APAC markets\)
- Zurich \(Indonesia\)
- Sequis Life \(Indonesia\)
- Tokyo Marine
- Allianz
- NTUC Income
- Manipal Cigna
- Future Generali
- Digit Insurance
- Kotak General Insurance
- Tata AIA
- Apollo Munich
- MAG Capitalizacao \(Brazil\)

## Links

- Website: <https://c2lbiz.com>
- Directory profile: <https://insurtechlist.com/companies/c2l-biz/>
- News: <https://c2lbiz.com/news/>
- Linkedin: <https://www.linkedin.com/company/c2lbiz>
- Our journey: <https://c2lbiz.com/our-journey/>
- Case studies: <https://c2lbiz.com/case-studies/>
- Aws marketplace: <https://aws.amazon.com/marketplace/seller-profile?id=fbeacd09-f1c6-4e1b-a3ba-b5b00ed7eefc>

---

*Last updated: 2026\-05\-11*