Proposed Flow for Ananda for Agents

The following is the detailed technical flow of ANANDA, for agents and CLIAs. Please read the steps
carefully and understand it fully. We start from the stage where the agent is sitting with the
customer, canvassing him to buy LIC products. Please note mapped LIC branch, in the document,
pertains to the branch to which agent is mapped.

1. The agents logs on to the ANANDA portal, using login Id and password, allotted to him
for agents' portal.

2. After the very first login, the agent needs to undergo paperless eKYC. This is a one time
process for agents. The link to download aadhar xml zipped file is given on the website
under ADMIN tab, which will redirect to the UIDAI website to download xml zipped file,
if not already downloaded. After downloading the xml zipped file, it has to be
uploaded for eKyc to be complete. The eKYC contains photo, gender, name, address
and date of birth. eKYC is mandatory in ANANDA. The link to download aadhar xml
zipped file is :

https://resident.uidai.gov.in/offline-kyc

3. Please note at this stage, the agent's ekyc zipped file has to be uploaded and not the
customer's.

4. In the next step, the agent lands on the page where he will get a number of options as
follows :

a. Premium Calculator and Lead generation - This option has to be used for Premium
calculation and lead generation.

b. Pending leads - Leads which have been created by the agent on ANANDA portal
itself as explained in step (a), above, but proposal form not filled. Here the mapped
LIC branch code is already present in the lead records.

c. Pending for Customer verification - Cases for which the agent has filled the proposal
and ACR and the verification link has been sent to customer but the customer has
not verified.

d. Pending proposals - Cases for which customer has ratified the proposal and the
proposal has been registered at the mapped LIC branch, but policy has not been
completed.

5. The agent clicks on the premium calculator & Lead Generation tab . On clicking the tab,
the AGENT will be directed to choose the plan and click on the premium tab to calculate
the premium. He can click on details tab to see the details of the product also. He can
generate any number of premium quotations and benefit ids to find out different
permutations and combination based on plan parameters like plan,age,term etc. He also
has the option to save this quote for future use. The AGENT clicks on confirm and
proceed once the premium quote is finalised i.e the sum assured, riders, premium
 combination for the proposal which customer has agreed for. If not finalized, the
process of premium calculation and BI generation can be repeated.

6. The next page will show the agency details and premium details.The AGENT clicks on
“Generate Lead”. It will result in generation of an access-id which will be the unique
reference id for the proposal which can be used for all the further actions. The agent
can also chose satellite branch at this step. A list of satellite branches mapped to the
agent's branch will be displayed at this step. Choosing satellite branch is optional.

7. After lead generation and selecting the accessid he want to use, the remaining parts of
the proposal details needs to be filled. There is one option given to copy data from any
previous LIC policy of the customer. The AGENT can use this option to pre-fill basic
details like father's name etc or if he can simply click on Proceed to go to next step.

8. After clicking proceed, an option to do paperless aadhar xml based eKYC of the
customer is available. The link to download aadhar xml zipped file is given on the
website under ADMIN tab, which will redirect to UIDAI website to download xml zipped
file, if not already downloaded After downloading the xml zipped file, it has to be
uploaded for eKyc to be complete. The eKyc contains photo, gender, name, address
and date of birth. eKyc is mandatory in ANANDA. The link to download aadhar xml
zipped file is :

https://resident.uidai.gov.in/offline-kyc

9. Please note at this stage, the customer's ekyc zipped file has to be uploaded and not of
the AGENT's.The fields (as derived from aadhar based XML) will get auto-populated on
the proposal form - name,date of birth , photo, gender , address . These fields will not
be editable. The age (lbd/nbd as required) will be derived based on date of birth and will
be non editable. Please note since the eKYC is aadhar based, the date of birth of
customer as present in lead should match with the date of birth of customer in Aadhar.

10. After this ,the AGENT needs to fill the entire proposal form and submit the data. There
are multiple steps with group of questions of the proposal form . In each step, the data
will be validated for ensuring correct entries. Any errors / issues will be shown to the
AGENT at that instant. At the end of each step the AGENT needs to click on Save and
Proceed. The age proof , address proof and ID proof of the customer will be Aadhar by
default.

11. Once the AGENT fills the entire proposal data and Covid Annexure, the data will be
sent into online Underwriting Rule cum Validation engine to ensure the proposal meets
the requirements for the product, for which it is being submitted. Any errors / issues
will be shown to the AGENT instantly.

Post the underwriting step, ACR will be required to be filled.

After filling of ACR, the following options will be displayed -

 a. View Proposal Pdf - This option is used to view the Proposal filled. The proposal
document shown to the AGENT consists of Suitability Analysis, Benefit illustration,
Proposal Form, eKYC documents, covid annexures and the ACR.

b. Edit proposal - The agent can go back and edit the proposal fields, but not the KYC
fields and fields related to the premium input combination.

c. Proceed - On clicking this , the following options will be shown :

 Attach BOC - If the agent selects this option, he will need to key-in in the BOC
details he has generated on the mapped LIC branch's cash counter or the
merchant's portal. After keying in the BOC details, the proposal verification link
will be sent to the customer.
 Online Payment - If the agent selects this option, the proposal verification cum
online payment link will be sent to the customer.
For ULIP plans, as per CO-NB instructions ,only online payment option will be
allowed.

12. The customer has to click on the link received on his email .On clicking the link, the
entire proposal document (as filled in by the AGENT will be displayed to the customer).
The proposal document shown to the customer consists of Suitability Analysis, Benefit
illustration, Proposal Form, eKYC documents and covid annexure. The customer will
not be able to view the ACR part, filled by the Agent.

13. The customer can go through the entire proposal form and make corrections if required,
barring the fields based on e-KYC and plan parameters. Then the customer approves the
proposal data and clicks on Proceed.

14. If the customer edits anything, the entire proposal form will be again be validated
through the online underwriting rule engine. Please note the customer is not allowed to
change the fields related to the premium input combination.

15. After customer's approval, the following scenarios will occur based on the source of lead
generated.

 If agent had chosen attach BOC and had attached the BOC, the proposal data
will get merged with efeap along with the attached BOC details.
 If the agent had chosen Online Payment, the customer will be redirected to the
payment gateway to make online payment of the required amount(premium +
applicable GST). Post successful online payment, the BOC gets created instantly
at the mapped LIC branch and the proposal data gets merged along with the
BOC details.

Please note the customer need not worry about the option, what the agent had chosen.
The module will automatically prompt the customer to carry ou the required action.

16. In the next step, the customer is redirected to esign the proposal with proposal number
and proposal date embedded on it , as per regulatory requirements. The customer
 should esign the proposal using his own VID. Kindly note , if the AGENT's VID is used for
esigning the proposal, the esign will fail. The customer also gets the esigning link for the
proposal in his email, in case he wants to sign later. The link for generation of AADHAR
VID is :

https://resident.uidai.gov.in/vid-generation

17. The AGENT receives a link through email for esigning of the ACR.The AGENT can use the
same to e-Sign the ACR. The AGENT should esign the ACR using his own VID. Kindly note
, if the customer's VID is used for esigning the ACR, the esign will fail.

18. In order to avoid confusion, the esign application displays the name of the person whose
VID is to be keyed in just before redirecting to CDAC's website, where in the VID is keyed
in. The e-sign should be done carefully.

19. Once both e-signing of Proposal and ACR are completed, the documents are escalated to
efeap servicing branch for viewing by the mapped LIC branch NB team , so that they can
complete the proposal. It is to be noted that after esign of proposal and esign of ACR, a
mail is sent to the concerned mapped LIC branch, informing them of the proposal details
to be completed in branch. It has to be noted completion will happen in the mapped LIC
branch.

20. The policy completion will happen only after both documents (Proposal and ACR) are
esigned. In case , one of the documents is not esigned, the mapped LIC branch will not
be able to view the documents and wont' be able to complete the proposal.

21. The mapped LIC branch NB team need to verify the esigned documents, process the
proposal ,underwrite and complete the same.

22. Post completion of policy, the FPR and ePolicy bond will be auto generated and mailed
to the customer , the AGENT and the branch.

23. Post completion, the policy documents - ePolicy bond,e- Signed Proposal Form and e-
Signed ACR are auto archived in EDMS.

24. In ANANDA, as of now the maximum SUC limit allowed is 30 lakhs as per branch
underwriting limits.

Important links :

AADHAR XML ZIP download link : https://resident.uidai.gov.in/offline-kyc

AADHAR VID GENERATION link : https://resident.uidai.gov.in/vid-generation

 Proposed Flow for Ananda for CLIAs

The following is the detailed technical flow of ANANDA, for CLIAs. Please read the steps carefully
and understand it fully. Please note the word CLIA in the document below refers to the CLIA or his
staff , processing the case on behalf of CLIA. The flow is designed primarily for CLIA logging cases for
their supervised agents. As of now CLIAs are using ANANDA for processing proposals on their own
agency codes and that process remains the same.

1. The CLIA logs on to the ANANDA portal.

The CLIA uses his merchant portal id and password OR his agency portal id and
password to login . It is the same way/same option he uses to login to ANANDA portal as
of now. There is no change.

2. After the very first login, the CLIA needs to undergo paperless eKYC. This is a one time
process for CLIAs. After downloading the xml zipped file, it has to be uploaded for
eKYC to be complete. The eKYC contains photo, gender, name, address and date of
birth of CLIA. eKYC is mandatory in ANANDA. The link to download aadhar xml zipped
file is :

https://resident.uidai.gov.in/offline-kyc

3. Please note at this stage, the CLIA's ekyc zipped file has to be uploaded and not of
anyone else. If the CLIA has already undergone eKYC , he need not do it again.

4. In the next step, the CLIA lands on the page where he will get a number of options as
follows :

a. Premium Calculator and Lead generation - This option has to be used for Premium
calculation and lead generation.

b. Pending leads - Leads which have been created by the CLIA on ANANDA portal itself
as explained in step (a), above, but proposal form not filled. Here the mapped LIC
branch code is already present in the lead records.

c. Pending for Customer verification - Cases for which the CLIA has filled the proposal
and ACR and the verification link has been sent to customer but the customer has
not verified.

d. Pending proposals - Cases for which customer has ratified the proposal and the
proposal has been registered at the mapped LIC branch, but policy has not been
completed.

e. Completed proposals - Cases for which the policies have already been allotted.

5. The CLIA clicks on the premium calculator & Lead Generation tab . On clicking the tab,
the CLIA will be directed to choose the plan and click on the premium tab to calculate
the premium. He can click on details tab to see the details of the product also. He can
 generate any number of premium quotations and benefit ids to find out different
permutations and combination based on plan parameters like plan,age,term etc. He also
has the option to save this quote for future use. The CLIA clicks on confirm and proceed
once the premium quote is finalised i.e the sum assured, riders, premium combination
for the proposal which customer has agreed for. If not finalized, the process of premium
calculation and BI generation can be repeated.

6. In the next step, the CLIA needs to key in the agency code of the agent for the case.The
CLIA clicks on “Generate Lead”. It will result in generation of an access-id which will be
the unique reference id for the proposal which can be used for all the further actions.
The CLIA can also choose satellite branch at this step. A list of satellite branches mapped
to the CLIA's branch will be displayed at this step. Choosing satellite branch is optional.
The agent(whose agency code is keyed in) will need to undergo e-KYC as per process
described above, in case the e-KYC of that agent has not been done earlier. The agent's
eKYC will be a onetime process. The agent should be mapped to the CLIA.

7. In the next step, the customer's eKYC has to be carried out. An option to do paperless
aadhar xml based eKYC of the customer is available. The link to download aadhar xml
zipped file is given on the website under ADMIN tab, which will redirect to UIDAI
website to download xml zipped file, if not already downloaded. After downloading the
xml zipped file, it has to be uploaded for eKYC of the customer to be complete. The
eKYC contains photo, gender, name, address and date of birth of the customer. eKyc
is mandatory in ANANDA. The link to download aadhar xml zipped file is :

https://resident.uidai.gov.in/offline-kyc

Please note at this stage, the customer's ekyc zipped file has to be uploaded and not of
anyone else.

8. The fields (as derived from aadhar based XML) will get auto-populated on the proposal
form - name,date of birth , photo, gender , address . These fields will not be editable.
The age (lbd/nbd as required) will be derived based on date of birth and will be non
editable. Please note since the eKYC is aadhar based, the date of birth of customer as
present in lead should match with the date of birth of customer in Aadhar.

9. After this ,the CLIA needs to fill the entire proposal form and submit the data. There
are multiple steps with group of questions of the proposal form . In each step, the data
will be validated for ensuring correct entries. Any errors / issues will be shown to the
CLIA at that instant. At the end of each step the CLIA needs to click on Save and
Proceed. The age proof , address proof and ID proof of the customer will be Aadhar by
default.

10. Once the CLIA fills the entire proposal data and Covid Annexure, the data will be sent
into online Underwriting Rule cum Validation engine to ensure the proposal meets the
requirements for the product, for which it is being submitted. Any errors / issues will be
shown to the CLIA instantly.
 Post the underwriting step, ACR will be required to be filled.

After filling of ACR, the following options will be displayed -

a. View Proposal Pdf - This option is used to view the Proposal filled. The proposal
document shown to the CLIA consists of Suitability Analysis, Benefit illustration,
Proposal Form, eKYC documents, covid annexures and the ACR.

b. Edit proposal - The CLIA can go back and edit the proposal fields, but not the KYC
fields and fields related to the premium input combination.

c. Proceed - On clicking this , the following options will be shown :

 Attach BOC - If the CLIA selects this option, he will need to key-in in the BOC
details he has generated on the mapped LIC branch's cash counter or the
merchant's portal. After keying in the BOC details, the proposal verification link
will be sent to the customer.
 Online Payment - If the CLIA selects this option, the proposal verification cum
online payment link will be sent to the customer.
For ULIP plans, as per CO-NB instructions ,only online payment option will be
allowed.

11. The customer has to click on the link received on his email .On clicking the link, the
entire proposal document (as filled in by the CLIA will be displayed to the customer).
The proposal document shown to the customer consists of Suitability Analysis, Benefit
illustration, Proposal Form, eKYC documents and covid annexure. The customer will
not be able to view the ACR part, filled by the CLIA.

12. The customer can go through the entire proposal form and make corrections if required,
barring the fields based on e-KYC and plan parameters. Then the customer approves the
proposal data and clicks on Proceed.

13. If the customer edits anything, the entire proposal form will be again be validated
through the online underwriting rule engine. Please note the customer is not allowed to
change the fields related to the premium input combination.

14. After customer's approval, the following scenarios will occur based on the source of lead
generated.

 If CLIA had chosen attach BOC and had attached the BOC, the proposal data will
get merged with efeap along with the attached BOC details.
 If the CLIA had chosen Online Payment, the customer will be redirected to the
payment gateway to make online payment of the required amount(premium +
applicable GST). Post successful online payment, the BOC gets created instantly
at the mapped LIC branch and the proposal data gets merged along with the
BOC details.

Please note the customer need not worry about the option, what the CLIA had chosen.
The module will automatically prompt the customer to carry ou the required action.
15. In the next step, the customer is redirected to esign the proposal with proposal number
and proposal date embedded on it , as per regulatory requirements. The customer
should esign the proposal using his own VID. Kindly note , if anyone's else VID is used
for esigning the proposal, the esign will fail. The customer also gets the esigning link for
the proposal in his email, in case he wants to sign later. The link for generation of
AADHAR VID is :

https://resident.uidai.gov.in/vid-generation

16. The agent receives a link through email for esigning of the ACR.The agent can use the
same to e-Sign the ACR. The agent should esign the ACR using his own VID. Kindly note ,
if anyone else's VID is used for esigning the ACR, the esign will fail.

17. In order to avoid confusion, the esign application displays the name of the person whose
VID is to be keyed in just before redirecting to CDAC's website, where in the VID is keyed
in. The e-sign should be done carefully.

18. There will be two scenarios, depending on whether eMHR is required or not. eMHR not
required scenario is explained in step 20 and eMHR required scenario is mentioned in
step 21.

19. eMHR not required : Once both e-signing of Proposal and ACR are completed, the e-
signed documents are escalated to efeap servicing branch for viewing by the mapped LIC
branch NB team , so that they can complete the proposal. It is to be noted that after
esign of proposal and esign of ACR, a mail is sent to the concerned mapped LIC branch,
informing them of the proposal details to be completed in branch. It has to be noted
completion will happen in the mapped LIC branch.

20. eMHR is required : Once both e-signing of Proposal and ACR are completed, the link for
eMHR goes to the CLIA and the branch officials for e-verification of MHR through OTP.
Once e-MHR is done, the e-signed documents and e-MHR are escalated to efeap
servicing branch for viewing by the mapped LIC branch NB team , so that they can
complete the proposal. It is to be noted that after esign of proposal , esign of ACR and
e-verification of MHR, a mail is sent to the concerned mapped LIC branch, informing
them of the proposal details to be completed in branch. It has to be noted completion
will happen in the mapped LIC branch.

21. The policy completion will happen only after both documents (Proposal and ACR) are
esigned and e-MHR(if required) is done. In case , any of the documents is not esigned,
the mapped LIC branch will not be able to view the documents and wont' be able to
complete the proposal.

22. The mapped LIC branch NB team need to verify the esigned documents and e-MHR( if
required) and then process the proposal ,underwrite and complete the same.

23. Post completion of policy, the FPR will be auto generated and mailed to the customer ,
the CLIA and the branch. ePolicy bond as and when generated will be mailed to the
customer.
24. Post completion, the policy documents - ePolicy bond,e- Signed Proposal Form and e-
Signed ACR and e-MHR(if required) are auto archived in EDMS.

25. In ANANDA, as of now the maximum SUC limit allowed is 30 lakhs as per branch
underwriting limits.

Important links :

AADHAR XML ZIP download link : https://resident.uidai.gov.in/offline-kyc

AADHAR VID GENERATION link : https://resident.uidai.gov.in/vid-generation

CONCEPTUALIZED AND DEVELOPED BY CO-ITSD(IT PROJECTS)