What is PIVC? Pre-issuance verification calls explained

By SatyaSakshi LLP · 1 November 2026 · 2 min read

Before a life or health policy is issued, many insurers call the customer to check that the sale was done properly. This is the pre-issuance verification call, or PIVC. It protects the customer from mis-selling and the insurer from complaints, cancellations and claims built on wrong information.

Why PIVC matters

Mis-selling: customers are sometimes told a policy is a fixed deposit, or promised returns that the product does not offer.
Wrong proposal details: health, habits or income filled in by someone else.
Wrong person: the person who signed is not the person who will be insured.
Early cancellations and complaints cost the insurer and hurt trust.

What a PIVC usually covers

Identity of the proposer and the person insured.
Product: the plan name, premium, payment term and policy term.
Benefits and charges in simple words.
Promises: was anything promised that is not in the policy, such as a bonus, loan or guaranteed return?
Health and lifestyle: confirming what was declared.
Income and occupation, where relevant to the cover.
Consent to go ahead.

Phone PIVC versus video PIVC

A phone call confirms answers but cannot show who is answering. A video PIVC adds a face match to the ID, a liveness check, a recorded consent and a visual check of documents. It is much harder for an agent or relative to answer on the customer's behalf.

How Praman runs PIVC

With Praman by SatyaSakshi, each new policy becomes a case. The customer gets a WhatsApp link and takes a short video call in their language, at a time that suits them. Praman's AI reads out the policy details and asks the standard questions, records the answers and flags any "promise" or confusion for a human to review. Insurers see every call and recording on one dashboard and can process thousands of policies a month.

Frequently asked questions

What does PIVC stand for?

Pre-issuance verification call: a call made to the customer before a policy is issued to confirm they understand and agree to what they are buying.

What is asked in a PIVC?

Usually the customer's identity, the product, premium, term and benefits, whether any promise was made outside the policy, and whether the health and income details were filled in correctly.

Can a PIVC be done by video?

Yes. A video PIVC also lets the insurer see that the right person is answering and record their consent.

Make verification simple with Praman

WhatsApp link, AI or live video call, instant ID, vehicle, business and court checks, and one evidence report. Built by investigators at SatyaSakshi.

Request a demo WhatsApp +91 70655 67277

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