Turn complex risks into protection, finance and systems that work.
Protector IQ is an insurance consulting and innovation capability for institutions — insurers, reinsurers, fintechs, MFIs, NBFCs, foundations, development organisations, CSR programmes and financial institutions.
- Insurance consulting
- Product & systems innovation
- Research
- Pilots & implementation
- Climate risk finance
Institutional work, end to end.
Insurance consulting
Strategy, proposition review, distribution, servicing, claims transformation, operating models and implementation support.
Product & systems innovation
Product architecture, underwriting logic, compliance alignment, configuration, testing and go-live readiness.
Research & market intelligence
Field insight, customer and channel research, sector briefs and evidence for product decisions.
Programme architecture
Structuring protection programmes across partners, risk carriers, delivery channels and licensed roles.
Pilot design & implementation
Design the pilot, test the operating system and close execution gaps before scale.
Climate and Disaster Risk Finance and Insurance
Risk-layering strategies, parametric and indemnity models, contextual protection and implementation support.
Specific instruments for specific risks.
Climate-related insurance, parametric models and other risk-transfer structures can form part of a wider climate and disaster risk finance strategy, alongside risk reduction, reserves and contingent finance. Protector IQ advises on where each layer fits — rather than treating every insurance project as climate finance.
Try & Buy makes an intangible product feel real.
Try & Buy is a patented experiential insurance model that addresses the intangibility of insurance — letting people experience clearly bounded protection before deciding whether broader cover is useful.
Two brands. Clear roles. Used independently or together.
Engage Protector IQ (opens in a new tab)
When the need is institutional: insurance consulting, product or system design, programme architecture, research, implementation, or Climate and Disaster Risk Finance and Insurance.
Customer-facingDeploy AVYA
When the need is a customer-facing platform: Money at Risk, Protection Score, Ask AVYA, insurance understanding, product access, licensed human handoff, servicing and claims support.
Protector IQ can design a protection system; AVYA can help people understand, access and use it. Protector IQ has its own website and social channels.