Built for IRDAI-registered advisors
Advisory grounded in
analysis, not assumption
AdviceSahi provides financial and insurance advisors with a rigorous analytical engine — IRR computation, Human Life Value modelling, and coverage gap quantification — so that every client recommendation is derived from verifiable data.
Proudly Incubated @
5 min
Complete portfolio analysis
4
Policy import methods
IRR
Actuarially precise returns
A to E
Policy scoring scale
AdviceSahi
Dashboard
Clients
Analysis
Reports
Portfolio Analysis
Client — 4 policies imported
Generate Report
HLV Required
₹2.8 Cr
Based on income and age
Existing Cover
₹45 L
Across all policies
Coverage Gap
₹2.35 Cr
Underinsured
PolicyIRRPremium/yr
XXXXX Endowment Plan4.2%₹42,000
XXXXX Term PlanPure term₹18,500
XXXXX ULIP6.8%₹1,20,000
XXXXX Endowment2.9%₹36,000
Policy Import
Four ways to import client policies
AdviceSahi accommodates every client situation. Whether policies exist as emails, DigiLocker documents, uploaded PDFs, or manually entered data, all four import pathways are supported with equal analytical depth.
01
Gmail Auto-Import
The advisor sends a secure invite to the client. Upon accepting, the client grants Gmail read-only access. The AI engine scans the inbox and extracts all insurance-related policy data automatically.
02
DigiLocker Integration
Clients authorise access to their DigiLocker account. Policy documents stored in the government-recognised repository are fetched and parsed automatically without manual intervention.
03
PDF Document Upload
Advisors or clients upload policy documents directly. The OCR and parsing engine extracts all relevant fields. Any extraction gaps can be corrected manually before analysis proceeds.
04
Manual Data Entry
For policies without digital records, advisors enter all policy parameters directly into structured input forms. The analysis engine processes manual entries with the same depth as auto-imported data.
ProcessFrom client onboarding
From client onboarding
to advisory report
A structured six-step workflow that takes an advisor from initial client setup to a professionally formatted advisory report within minutes.
1
Advisor action
Advisor registers and adds a client
The IRDAI-registered advisor creates a client profile within the dashboard and issues a secure onboarding invitation via email.
2
Client action
Client accepts the invitation
The client receives a personalised link and chooses their preferred data import method: Gmail, DigiLocker, document upload, or manual entry.
3
Automated
Policy data is extracted and verified
The AI engine reads the client's data sources and populates all policy fields including insurer, type, premium, sum assured, term, and bonus history.
4
Automated
Analysis engine runs in full
IRR is computed for each policy. HLV is calculated against the client's income profile. Coverage gaps are quantified. Every policy receives a score from A to E.
5
Advisor action
Advisor reviews and customises recommendations
The system surfaces data-backed recommendations. The advisor reviews each one, adds professional context, and adjusts suggested actions as appropriate.
6
Output
Advisory report is generated and shared
A structured PDF report covering coverage analysis, IRR results, policy scores, and personalised recommendations is generated and shared with the client.
Core FeaturesEvery analytical tool
Every analytical tool
an advisor requires
AdviceSahi consolidates the entire advisory workflow from data collection to report generation in a single platform designed for professional use.
Gmail Policy Import
AI-powered inbox scanning that identifies insurance policy communications and extracts structured data without any manual intervention from the advisor.
DigiLocker Integration
Direct integration with India's official digital document repository, enabling clients to share government-verified insurance documents with a single authorisation.
PDF Upload and OCR Parsing
Policy documents in PDF format are parsed using optical character recognition. All key fields are extracted automatically with manual correction available for ambiguous values.
IRR Computation Engine
Precise Internal Rate of Return calculation for traditional endowment plans and ULIPs, incorporating all premiums, declared bonuses, charges, and surrender or fund values.
Human Life Value Modelling
Actuarially grounded HLV calculation using income, liabilities, retirement horizon, inflation assumption, and discount rate to derive the precise required coverage amount.
Advisory Report Generation
Structured PDF reports containing coverage analysis, IRR results, policy scores, and advisor-customised recommendations formatted for professional client presentation.
Analysis Engine
Quantified outputs for every advisory decision
Each metric produced by AdviceSahi follows established actuarial methodology. Advisors receive specific, defensible numbers rather than directional estimates.
Internal Rate of Return
4.2% — Traditional Endowment Plan
Human Life Value
₹2.8 Crore required coverage
Coverage Gap
₹2.35 Crore underinsured
Portfolio Score
B
Above Average
AdviceSahi
Insurance Advisory Report
Prepared for client — March 2025
Coverage Analysis
HLV Required
₹2.8 Cr
Existing Cover
₹45 L
Coverage Gap
₹2.35 Cr
Policy Performance
XXXXX Endowment PlanIRR: 4.2%
XXXXX EndowmentIRR: 2.9%
XXXXX Term PlanPure Term
Advisor Recommendation
Consider making the lower-performing endowment policy paid-up and redirecting the annual premium towards a pure term plan to close the identified coverage gap at reduced cost.
Client Reports
Reports that clients understand and trust
Every report presents complex analysis in clear, structured language. Clients receive a document that explains their position and the rationale for each recommendation without requiring financial expertise to interpret it.
- Generated directly from analysis data with no manual content creation required
- System recommendations are fully editable — the advisor's professional judgement remains central
- Downloadable as a formatted PDF suitable for formal client communication
- Demonstrates analytical rigour and builds long-term advisory credibility
Testimonials
From advisors across India
AdviceSahi changed how I conduct client meetings. When I present IRR data and coverage gap figures, the conversation becomes substantive rather than transactional. My client retention has improved considerably.
The Gmail import feature alone saves two to three hours per client. What used to require multiple follow-ups for documents now completes in minutes. The analysis quality is genuinely impressive.
My clients respond very differently when I present a report with actual numbers behind every recommendation. The PDF output is well-structured and immediately communicates a level of professionalism that builds confidence.
Ready to conduct data-backed advisory?
Join IRDAI-registered advisors across India who are delivering precise, analysis-driven recommendations to their clients.