ValuEnable
Modular software and AI platform for the life insurance value chain in India.
Overview
ValuEnable is a software and AI platform provider for life insurers, distributors, and policyholders in India. The company was incorporated in June 2021 by co-founders Mithil Sejpal and Satprem Mohanty and signed its first contract with IndiaFirst Life that October. It operated without outside capital for about 20 months before taking on institutional investment from Zerodha's Rainmatter fund in 2023.
The platform is organized into modular product lines that cover the life insurance lifecycle: tools that help insurers retain and cross-sell to existing policyholders through personalized nudges, premium collection, and recommendation engines; tools that support new-business acquisition through needs mapping, benefit illustration, plan comparison, and product bundling; managed services that pair the software with outsourced outreach teams; a liquidity business that lets policyholders borrow against or sell their policies; conversational AI for voice and chat; and back-office tooling including a reinsurance-administration module.
ValuEnable states its platform is deployed across more than 4,000 touchpoints with 11 of India's top 12 private life insurers. The company reports surpassing USD 1M in annual revenue in 2025, and its policy-backed lending book has passed INR 200+ crore, including CRISIL AA+-rated lending instruments issued that year.
Products & Services
PersistPro
Content-led engagement tooling that delivers personalized nudges to policyholders to improve policy persistency.
Target Users: Life insurers
CollectSuite
Premium collection tooling with built-in decision intelligence.
Target Users: Life insurers
CrossSell-IQ
Goal-based product recommendation engine for cross-selling to existing policyholders.
Target Users: Life insurers
BulkComm
Multi-channel communication platform for policyholder outreach.
Target Users: Life insurers
NB Suite
Modular platform that maps customer needs to insurance products during the new-business sales process.
Target Users: Life insurers, distributors
Smart BI+
Visual benefit-illustration tool that explains policy mechanics to prospective buyers.
Target Users: Life insurers, distributors
CompareWise
Plan comparison tool across premiums and features.
Target Users: Life insurers, distributors
ComboBuilder
Goal-based product bundling engine for combining policies.
Target Users: Life insurers, distributors
RenewMax, XSell Boost, NBAssist
Managed services that combine ValuEnable's software with outsourced teams for retention, cross-sell outreach, and new-business conversion.
Target Users: Life insurers
SLiQ (Policy Loans) and Policy Buyout
Digital lending platform offering loans against life insurance policies, mutual funds, shares, and bonds, without an intermediary agent. Policy Buyout is a structured digital assignment platform that connects policyholders who want to exit a policy with investors willing to buy it.
Key Features
- Instant loans against traditional and ULIP policies
- Option to pause premium payments during emergencies
- Digital policy assignment for policy exits
Target Users: Policyholders
InsureBot Voice, InsureBot Chat, CallIQ, LiveAssist
Insurance-trained conversational AI for voice and chat, plus call intelligence and live-assist tooling for contact-center workflows.
Target Users: Life insurers, contact centers
Product Configurator, CAT, BI Engine, ReAdmin
Back-office tooling covering product configuration, an audit tool, a BI engine, and ReAdmin, a reinsurance-administration module.
Target Users: Life insurers
At a Glance
- Founded
- 2021
- Headquarters
- Mumbai, India
- Employees
- 51-200
- Funding
- Seed
Category & Focus
- Category
- Customer Engagement
- Subcategories
- Distribution & Sales Specialty Solutions Reinsurance Technology
- Insurance Verticals
- Life & Annuity
- Target Customers
- Carriers, Consumers
Customers
- HDFC Life
- ICICI Prudential Life
- Bajaj Allianz
- Aditya Birla Sun Life Insurance (ABSLI)
- Axis Max Life
- IndiaFirst Life
- PNB MetLife
- Aviva
11 of India's top 12 private life insurers
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Last updated: 2026-08-07