The operating system for modern life assurance
End-to-end policy administration, claims, underwriting, agency, finance and AI assistance — purpose-built for Nigerian insurers and aligned with NAICOM, IFRS-17 and modern security expectations.
The status quo
Life assurance in Nigeria is run on tools that were not built for it.
We talked to underwriters, claims managers, finance leads and agency heads at Nigerian life insurers. The same four problems came up in every conversation.
Policy admin trapped in spreadsheets
Premium reconciliation, lapse tracking, surrender calculations and rider management still happen in disconnected Excel files. Errors compound at month-end.
Claims processing measured in weeks
Paper-based claim intake, manual document chase, ad-hoc underwriter reviews. Customers churn while files sit in trays.
Agency channel runs on WhatsApp
No real-time visibility into agent production, commission disputes that take days to resolve, no way to detect performance drops early.
Compliance reporting is a fire-drill
NAICOM returns, IFRS-17 disclosures, anti-fraud reporting are stitched together quarterly under deadline pressure with hand-rolled queries.
The platform
Nine integrated modules. One platform. Built specifically for life assurance — not a generic insurance suite.
Policy administration
Whole-life, term, endowment, group life and annuities. Premium schedules, riders, lapse + reinstatement workflows, surrenders, loans, amendments — the full lifecycle in one record.
Claims management
Digital intake, automatic document checklist, configurable approval ladders, status timelines visible to the customer. Settlement letters generated, not retyped.
Underwriting
Rule-based + AI-assisted triage, medical history capture, risk assessment scoring, requirement workqueues, decision audit trail. Underwriters spend time on judgment calls, not data entry.
Agency & distribution
Agent onboarding (BVN/NIN/license), production dashboards, commission engines, agency hierarchies, manager rollups, leaves and exits — without spreadsheets.
Finance & reinsurance
Premium accounting, commission payable, claims payable, surrender payouts, reinsurance treaties and bordereaux. IFRS-17-aware book of business.
Customer 360
Retail and corporate customers, beneficiaries, contacts, identity documents, banking, group members and dignity-plan enrollees — one source of truth.
Documents & e-signatures
Per-customer document vault, generated quotes / certificates / endorsements, version-controlled with full audit trail. No more email attachment archaeology.
Workflow & approvals
Configurable approval ladders for any business action — claim, policy amendment, surrender, agent appointment, reinsurance binder. Built-in SLA tracking.
AI assistance
Underwriting triage, medical-history extraction, claim narrative summarization, fraud signal detection, customer chat. Powered by a private AI gateway with full audit logs — your data never trains a public model.
Why CLAapp
The same building blocks global insurers use, priced and shaped for the Nigerian market.
Nigerian-first, not Nigerian-fitted
Every workflow assumes Naira, BVN, NIN, NAICOM filings, multi-tier agency structures and Nigerian banking rails. No bolted-on regional adapters; the data model was designed for the local market from the first migration.
Multi-tenant SaaS with proper isolation
Schema-per-tenant Postgres isolation, per-tenant encryption boundaries, per-tenant subdomains and SSO. Your data is yours. We can run shared, dedicated, or fully on-premise — the same product binary, different deployment.
AI-native, not AI-bolted-on
A private AI gateway sits at the centre — every request audited, costed, and rate-limited per tenant. Models run on infrastructure you control. Underwriters and claims officers get assistance, not autopilot — every AI suggestion is auditable and overridable.
Engineered, not assembled
Microservices for the eight insurance domains, an event-driven backbone, automated CI/CD, infrastructure-as-code, and a real test suite. Built by engineers who care about the next ten years, not the next demo.
Roadmap
Where the platform is going.
We publish what we're building, when we expect to ship it, and what's already live. Insurance is a long-horizon business — your platform partner should be too.
Available now
- Policy administration (whole-life, term, endowment, group, annuities)
- Claims management with configurable approvals
- Underwriting workqueues with AI triage
- Agency, customer 360 and document management
- Finance, commission engines and reinsurance treaties
- Multi-tenant SaaS with schema-per-tenant isolation
- Private AI gateway with per-tenant rate limits and audit
Q3 2026
- NAICOM regulatory return generation
- IFRS-17 sub-ledger and disclosure pack
- BVN / NIN identity verification flow
- Customer self-service mobile app
- Native mobile app for agents (offline first)
Q4 2026
- AI-driven claims fraud detection
- Reinsurance bordereau automation
- Group-life census import + policy generation
- Open APIs for partners (KYC, banking, telematics)
2027
- SOC 2 Type II + ISO 27001
- Full HSM-backed encryption-at-rest
- Multi-region active-active deployment
- Embedded actuarial valuation engine
Book a demo
Let's show you the platform live.
A 45-minute walkthrough with the founding team. We'll spin up a tenant loaded with realistic Nigerian data, run a full policy → claim → payment lifecycle in front of you, and answer the questions your auditor will ask.
Request received
Thanks — we'll be in touch within one business day.