PLVC: post-login verification explained
In insurance, 'login' means a proposal has been submitted to the insurer. The next step is often a post-login verification, or PLVC. It is a quick check that the information in the proposal is correct and that the customer agrees to it. It is a short step, but it prevents many problems later.
Why it matters
Errors and misstatements in a proposal, such as a wrong date of birth, an unreported illness or a nominee detail, can lead to claim disputes. Catching them at login stage is easier and kinder than finding them at claim time.
What PLVC covers
- Identity: the person confirms their name and date of birth.
- Contact and address: current details for communication.
- Plan and premium: what was chosen, how much and how often.
- Proposal details: income, occupation and other answers.
- Health and habits where relevant.
- Nominee: name and relationship.
- Consent: the customer confirms that they filled in or approved the proposal.
- Documents received: whether the customer has the required papers.
PLVC and PIVC
The names are used differently by different insurers. In general, PIVC emphasises that the customer understood the product and was not mis-sold. PLVC emphasises that the proposal data is correct. Many insurers combine the two in one call.
Good practice
- Call at a time convenient for the customer
- Use their language
- Ask open questions
- Record the answers and flag mismatches before issuance
- Let the customer correct information
Tips for customers
Keep your proposal copy and documents ready. Answer honestly. If something looks wrong in the proposal, say so on the call.
Why it helps everyone
A short, clear call at this stage means fewer corrections, faster issuance and fewer disputes. Customers know exactly what they signed up for, and insurers know the record matches the facts.
How Praman helps
Praman by SatyaSakshi runs PLVC and PIVC as a recorded WhatsApp video call, with ID, face match and liveness. Answers are matched to the proposal and saved with time and location. Other checks, such as bank-account name, are available where enabled, and a reviewer approves or flags each case.
Frequently asked questions
What does PLVC stand for?
Post-login verification call: a check done after a proposal is submitted, or 'logged in', and before the policy is issued.
How is it different from PIVC?
PIVC is done before issuance to confirm understanding and consent. PLVC checks the proposal details after login. Insurers use the terms in different ways.
What if details are wrong?
They can be corrected before issuance. Correcting early avoids problems at claim time.
Related: how Praman handles this for businesses · all instant checks
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