Reshaping the Future of Insurance Realm with Human-Centric Solutions
Founded in 2024, Beyond Today, a brand of Heritance Insurance Broking Private Limited, is revolutionising insurance distribution in India. As an IRDAI-licensed direct insurance broker, the company prioritises emotional intelligence, providing a personalised experience that truly understands client needs. With a mission to make insurance a personal, emotional, and empowering experience, Beyond Today brings a human touch to every interaction through empathetic support, unbiased advice, and a deep understanding.
Led by Prakash Sharma, a seasoned insurance expert with 22+ years of experience, the team combines decades of expertise in insurance, finance, and technology. Driven by a shared vision, Beyond Today is building long-term relationships and making insurance more human, inclusive, and accessible. The name reflects their commitment to securing not just the present but the future— for everyone, everywhere!
Comprehensive Service Portfolio
Beyond Today offers a wide range of insurance services, including:
- Retail and Corporate Insurance: expert guidance and access to life, health, motor, and general insurance products
- POSP Agent Platform: a techenabled platform for individuals to become certified POSPs with training, onboarding, and business support.
- Claims Assistance: handson support for claims documentation, follow-ups, and resolution. The company always prioritises people over policies, driven by empathy and integrity. With a deep B2B focus and heart-led approach, Beyond Today creates long-term relationships and aims to make insurance more human, inclusive and accessible.
Overcoming the Challenges
As an early-stage startup in the insurance space, Beyond Today faced multiple challenges in securing the IRDAI broking license, building credibility, and managing resource constraints. Prakash and his team navigated through these challenges by focusing on building a strong foundation, focusing on compliance, and creating value for POSP agents and customers. Beyond Today designed its offerings and positioned itself by engaging with users and understanding their needs.
Competitive Advantage: The Key Differentiators
What truly sets Beyond Today apart from others is its people-first mindset combined with a tech-enabled approach. The company always focuses on building trust, simplifying complex choices, and supporting customers throughout their insurance journey. Its deep commitment to B2B and distribution empowerment, mainly through its POSP agent ecosystem, expands its reach across India. The company enhances its competitive advantage by listening to users, staying agile, and hiring a team that believes in its long-term goal.
At the Forefront of Industry Trends and Market Shifts
Beyond Today stays ahead of the latest industry trends by engaging with customers, POSP agents, and insurer partners to understand evolving needs, challenges, and behaviours. The company integrates human insight with active market research and digital experimentation to stay relevant and responsive. The company identifies emerging trends that will shape the industry, like digitisation of distribution, Tier 2 & Tier 3 market growth, embedded insurance: customercentric claims experience, and preventive and wellness-based insurance models.
Nurturing Talent and Promoting Career Growth
Beyond Today fosters a culture of learning, ownership, and purpose to nurture talent and promote career growth. The company maintains a non-hierarchical work environment with open doors for collaboration and idea-sharing, allowing team members to learn across functions and find their passions. Every employee is given clear KPIs, growth milestones, and regular feedback so they know where they stand and how they can progress.
Beyond Today’s Customer-Centric Approach
Beyond Today prioritises customercentricity, ensuring empathy and responsiveness to users’ needs. The company successfully achieves this through –
- Regular customer interactions to understand their real pain points and design helpful services.
- Integrated feedback loops to drive product and process improvements
- Human Support in a digital world, trained in empathy and resolution
- Customer feedback plays an instrumental role in shaping products and services, revolutionising and earning trust.
Giving Back to the Community
Beyond Today integrates Corporate Social Responsibility (CSR) into its identity. The company focuses on empowerment, inclusion, and awareness. The company generates employment in underserved regions through its POSP (Point of Sales Person) programme, conducts insurance awareness drives and educational sessions and provides compassionate claims support.
The Future Outlook
Beyond Today aims to become one of India’s most trusted and accessible insurtech platforms, driven by a clear focus on distribution, digitisation, and inclusion. Its key strategic decisions include:
- Building a Strong B2B POSP Ecosystem with over 100,000 POSP agents across Tier 2 and Tier 3 cities.
- Phased Technology Expansion for a seamless experience
- Entering the SME & Group Insurance Market with flexible, digital-first insurance products.
- Exploring Strategic Partnerships & Embedded Insurance solutions with flexible, digital-first products
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