All your operations. One platform. Zero fragmentation.
normiOps unifies CRM, policy administration, claims management, campaigns, communications, collections, and policy servicing into a single platform. No more fragmented systems. No more data silos. Management of insurance contracts and operations has never been this sympler.
Everything in one place, finally
No more switching between CRMs, policy systems, claims tools, and payment gateways. normiOps brings every operation into one unified platform — so your team can focus on what matters.
CRM
Manage every client relationship in one place. Full client profiles, interaction history, and segmentation across all channels.
Policy Administration
Create, manage, and service insurance policies from inception to renewal. Automated policy lifecycle management.
Claims Management
Full claims lifecycle from submission to settlement. Track, manage, and process claims with built-in compliance and reporting.
Collections & Payments
Tap to pay, card machines, debit orders, stop orders, and Persal integration. Automated reminders and reconciliation.
Communications
Service clients seamlessly across voice, WhatsApp, SMS, and email. All communication logs saved directly to records.
Campaigns & Servicing
Run marketing, servicing, and legal communications to new and existing clients. Schedule, segment, and track results.
Sell anywhere, compliantly
Sell your insurance and financial products through any channel — voice, WhatsApp, SMS, or email. Whether B2C or B2B, full compliance and KYC are done instantly so you are compliant from the start.
Voice AI & Call Recording
Voice AI reads your sales compliance after every sale. Every call is recorded and saved against your records, so your audit trail is actually clean and useful. No more messy paper trails.
Voice Call Center
No wires, no telephone lines. Use your laptop, phone, or tablet to make and receive calls.
Sell and service clients directly through WhatsApp with full compliance tracking.
SMS
Reach clients instantly with SMS sales and automated collection reminders.
Send claims updates, onboarding confirmations, and campaign communications via email.
Manage policies, end to end
From policy creation to renewal, amendment, and cancellation — every stage is automated, compliant, and tracked. No more fragmented spreadsheets or disconnected systems.
Policy Creation
Create policies from scratch or from templates. Automated data capture with KYC and compliance checks built in.
Lifecycle Management
Track policies from inception through renewal, amendments, and cancellation. Automated alerts and reminders.
Risk & Compliance
Built-in risk scoring and compliance checks at every stage. FIC and AML verification integrated from day one.
Reporting & Analytics
Real-time policy dashboards, underwriting analytics, and exposure reports. Export to any format.
Service with no friction
Your clients communicate across multiple channels. With normiOps, every call, message, and email is captured in one place. No more hunting through different systems to find what was said.
Unified Communication Log
All calls, messages, emails, and WhatsApp chats saved directly to client records. No hidden logs, no lost conversations.
Frictionless Service
Service your clients seamlessly across any channel. Switch between voice, WhatsApp, SMS, and email without losing context.
Audit-Ready Records
Every interaction is timestamped, recorded, and linked to the client record. Compliance-ready audit trails by default.
Collect payments, your way
From tap-to-pay on your phone to integrated debit orders and Persal. normiOps makes collections easier while keeping every transaction compliant and recorded.
Tap on Phone
Turn your phone or tablet into a payment terminal. Accept contactless payments with a tap.
Card Machines
Integrated card machine support for in-person collections with real-time reconciliation.
Debit Orders
Automated debit order processing with scheduling, tracking, and failure management.
Stop Orders
Set up and manage stop orders directly within the platform for recurring collections.
Persal Integration
Direct integration with Persal for government employee deductions and collections.
Automated Reminders
Send automated collection reminders and payment updates to clients via SMS, WhatsApp, or email.
Communicate at scale
Run marketing, servicing, and legal communications to both your new and existing clients. Schedule campaigns, segment audiences, and track results — all within normiOps.
Marketing Campaigns
Reach new clients with targeted marketing campaigns across WhatsApp, SMS, and email. Track engagement and conversions in real time.
Servicing Campaigns
Keep existing clients informed with policy updates, renewal reminders, and service notifications.
Legal Communications
Send compliant legal notices, policy changes, and regulatory communications with full delivery tracking.
Compliance built into everything
KYC, FIC, and AML are not afterthoughts — they are woven into every sale, payment, and claim. With AI-powered workflows and global FIC data, you are compliant from the very first transaction.
Lightning-fast KYC
Verify identities in under 30 seconds with automated document verification, biometric matching, and real-time database checks.
FIC Compliant
Built-in compliance with the Financial Intelligence Centre Act. Automated reporting, record keeping, and suspicious activity monitoring.
Anti-Money Laundering
AI-powered AML detection screens every transaction against watchlists, sanctions, and PEP databases in real time with global FIC data access.
Custom Risk Frameworks
Tailor your risk scoring, compliance rules, and approval workflows to match your specific regulatory requirements and business model.
AI Compliance Workflows
Automated compliance from the first transaction. AI monitors, flags, and routes activities for review without manual intervention.
Sub-licencing Module
As an insurer, sub-licence your administration and CRM systems to your schemes. Real-time reporting of all affiliate activities.
curl -X POST https://api.normiops.com/v1/sales/create -H "Authorization: Bearer sk_live_..." -H "Content-Type: application/json" -d '{ "client": { "first_name": "Thabo", "last_name": "Mokoena", "id_number": "850101...", "phone": "+27821234567" }, "channel": "voice", "kyc_checks": ["id_verify", "pep_screen", "sanctions"], "compliance": { "record_call": true, "voice_ai_consent": true, "fic_report": true } }' // Response { "sale_id": "sale_abc123", "status": "active", "kyc_status": "verified", "compliance_score": 98, "call_recording_url": "/recordings/call_abc123" }curl -X POST https://api.normiops.com/v1/sales/create -H "Authorization: Bearer sk_live_..." -H "Content-Type: application/json" -d '{ "client": { "first_name": "Thabo", "last_name": "Mokoena", "id_number": "850101...", "phone": "+27821234567" }, "product": { "code": "FUNERAL_PREMIUM", "premium": 250.00, "payment_method": "debit_order" }, "channel": "voice", "kyc_checks": ["id_verify", "pep_screen", "sanctions"], "compliance": { "record_call": true, "voice_ai_consent": true, "fic_report": true } }' // Response { "sale_id": "sale_abc123", "status": "active", "kyc_status": "verified", "compliance_score": 98, "call_recording_url": "/recordings/call_abc123", "payment_setup": { "method": "debit_order", "status": "scheduled", "first_date": "2026-06-01" } }
Built for developers, by insurance experts
Our REST API gives builders access to the same insurance engine that powers normiOps. Integrate sales, KYC, payments, and compliance into your own applications, CRMs, and administration systems with just a few lines of code.
- Create sales with KYC and compliance checks in one call
- Set up payments via debit orders, stop orders, or card
- Send campaigns across WhatsApp, SMS, and email
- Real-time compliance event notifications via webhooks
- Sub-licence affiliate modules with real-time reporting
Go live in minutes
From onboarding to selling with full compliance in three simple steps. No technical expertise required.
Set up your entity
Onboard your insurer, administrator, funeral parlour, or medical scheme. Configure your entity type, products, and user roles in minutes.
Configure sales & channels
Set up your voice call center, WhatsApp, SMS, and email channels. Configure products, pricing, and payment methods including debit orders and Persal.
Go live with compliance
Start selling with instant KYC, FIC, and AML built in. Every transaction is compliant by default. AI monitors, records, and reports in real time.
Frequently asked questions
Everything you need to know about normiOps.
Management of insurance contracts
has never been this sympler
Get on the platform and unify your operations today. Or build on our API with all the configurations and solutions you need.
Get on the Platform
For insurers, administrators, funeral parlours, and medical schemes. Access CRM, policy admin, claims, collections, and compliance — all in one place.
Build with our API
For developers and builders. Integrate CRM, policy admin, claims, payments, and compliance into your own applications with our rich API.
Explore the API