Digital Transformation Journey of a Takaful Provider in UAE

Ensurite delivered a transformative digital distribution solution, revolutionizing traditional insurance operations into a modernized, customer-centric experience.

Azure | Power Platform

About Project

The insurance distributor faced significant challenges in efficiently marketing and distributing a wide range of individual and corporate life and health Takaful products. Due to traditional processes, they experience delays in policy approvals, inconsistencies in policy decisions, and the absence of a multi-channel payment system restricted policy issuance flexibility. Most importantly, they need to ensure compliance with the UAE’s language regulations for digital documentation.

Industry Category:Takaful (Islamic Insurance)
Location: United Arab Emirates
Technologies Used: AI-Powered Underwriting, Cloud-Based Digital Infrastructure, Multi-Language UI/UX, Secure Payment Gateway Integration

About Client

The client is a leading insurance distributor in the UAE, specializing in Islamic insurance (Takaful) solutions for individuals and businesses. With a mission to provide Sharia-compliant insurance products, they serve a diverse customer base while navigating strict regulatory and compliance requirements.

Challenges Addressed by Soluzione

Regulatory Compliance & Language Support: Required bilingual (Arabic-English) UI/UX to meet UAE’s regulatory mandates.
Lack of Payment Flexibility: Limited options for digital payments affected policy issuance and renewals.
Stakeholder Disconnection: Agents, insurers, and customers operated in silos, leading to inefficiencies.
Customer Experience Limitations: Traditional onboarding lacked digital capabilities, affecting user convenience.
Slow & Manual Processes:
• Paper-based workflows caused inefficiencies in policy processing and approvals.
• Underwriters manually assessed risks, leading to longer decision-making times.

Project Scope & Implementation

• Multi-Language & Regulatory Compliance

Enabled Arabic language support to meet UAE’s compliance requirements.
Ensured seamless bilingual customer and agent interactions.

• Digital Process Transformation

Converted paper-based processes into a fully digital, contactless solution.
Implemented e-KYC & digital onboarding, reducing processing delays.

• Auto Underwriting & Policy Decisioning

Introduced an Auto Underwriting Engine to automate risk assessment.
Minimized underwriter intervention, improving decision-making speed.

• Integrated Payment Solutions

Enabled multiple payment options, including online, offline, and auto-debit.
Ensured seamless transaction processing for customers and agents.

• Custom Apps for Stakeholders

Developed dedicated mobile applications for agents, insurers, and customers.
Integrated real-time tracking & policy management features.

Impact Delivered by Ensurite

Ensurite implemented a robust digital transformation strategy, enabling the insurance provider to:

Accelerate policy approvals with an automated underwriting system, reducing manual intervention.
Digital transformation is achieved by eliminating paperwork and streamlining the Application Quote Policy (AQP) process.
Ensure regulatory compliance with full Arabic language support for seamless documentation.
Enhance customer experience with an integrated online and offline payment system.
Improve efficiency by reducing turnaround time (TAT) and modernizing policy distribution.

"Ensurite’s digital transformation expertise has redefined our Takaful distribution model. Their Auto Underwriting system, seamless Arabic integration, and paperless operations have significantly improved efficiency and customer satisfaction. Ensurite is a game-changer in the insurance technology space."

Operations Head

Leading Insurance Distributor in UAE

Key Takeaways

By leveraging AI-driven underwriting, digital payment solutions, and mobile-first accessibility, Ensurite has successfully revolutionized Takaful distribution in the UAE. Their cutting-edge insurance tech solutions empower insurers with faster policy approvals, enhanced compliance, and a superior digital experience.

Start Your Business

Get a FREE Consultation with our team of expertsContact Us