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Why automate insurance agent onboarding?

Globally, over 90 percent of agents leave their organization to pursue opportunities outside the insurance industry. Thus making the agents onboarding process a continual recurrence for the insurance companies. 
Organizations, as well as agents, crave for easy onboarding instead of long trails of paperwork. Simplifying documentation and data entry right from the beginning can be a great win for organizations looking to improve operational efficiencies. And it is, in fact, possible to automate insurance agents onboarding processes.

Problems In Onboarding Insurance Agents

#Finding the Right Person

One of the major problems that insurance companies face is the agent’s intent towards making profits. There sure is the pressure of earning commissions forcing agents to sell policies that bring greater profits to them. 

Insurance companies indeed need to find agents aligned with organizations’ ethics and not driven by personal benefits.

#Operational Cost in Recruitment

When an organization issues a circular for hiring agents, thousands of applications flood in. The human effort in shortlisting candidates is time-consuming and can increase operational costs by 30%-60%.

Automating ‘Traditional Onboarding’ Processes

Organizations can introduce an “apply online” portal where prospective agents can upload documents directly required for employment qualifications. Post this, the shortlisting of candidates can be automated, which is otherwise done manually even today.

Process flow: Automate Insurance Agents Onboarding - Mantra Labs

#Check Authenticity of the Submitted Documents

Smart document scanners identify the authentication rules (holograms, unique id, etc.) and accordingly process it for the next steps.

#Sort and Cluster Documents

Document Classifiers can cluster documents based on their titles, IDs, and specific content within the document text, and structure the data in a relational/hierarchical repository.

This is equivalent to arranging agent documents in a paperless register with lightning-fast access for future references.

#Derive Target Data

The OCR Engines and Document Parsers can read and capture text from documents and store them in the required format.

A manual process will require reading the document, entering data in a register, and then calculating it. Sounds tedious (even if it’s on excel sheets), isn’t it?

#View Results According to the Selection Criteria

Dashboards allow viewing the output in a decision-ready format.

MaxBupa, a leading health insurer uses an automated solution to process inbound documents for qualifying insurance agents into their distributed-sales network. 

Organizations can use some or all of these tools depending on how much they want to automate insurance agents onboarding. Custom workflow automation tools are available for enterprizes, and tailor-made considering the sophistication of the insurance industry.

For customized insurance agent onboarding software solutions, feel free to contact us at hello@mantralabsglobal.com

webinar: AI for data-driven Insurers

Join our Webinar — AI for Data-driven Insurers: Challenges, Opportunities & the Way Forward hosted by our CEO, Parag Sharma as he addresses Insurance business leaders and decision-makers on April 14, 2020.

Agents (humans) are important too

The traditional model of agent-to-customer communication is not dead. 57% of Indian customers still prefer buying insurance policies through agents. Many a time, agents are the touchpoint between customer portal (technology) and the customer. 

From an organization’s perspective, automated systems also ensure effective data management, which gives their agent easy access to customer information and company policies and documents; bridging the knowledge gap.

By automating about 30% of resource-intensive manual processes, insurance companies can cut about 40% operational cost.

Why to Automate Insurance Agents Onboarding?

Removing the unnecessary layers of complexity and automating processes can help insurance companies interact with more potential agents and set stricter selection criteria.

Successful onboarding can help establish a strong relationship between agents and insurance companies. According to research from Brandon Hall Group, organizations with an efficient onboarding process can improve new-hire retention by 82%. Also, finding the right person for your organization can improve the agents as well as overall enterprises’ productivity by 70%.


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Tabular Data Extraction from Invoice Documents

5 minutes, 12 seconds read

The task of extracting information from tables is a long-running problem statement in the world of machine learning and image processing. Although the latest accomplishments in the field of deep learning have seen a lot of success, tabular data extraction still remains a challenge due to the vast amount of ways in which tables are represented both visually and structurally. Below are some of the examples: 

Fig. 1

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Fig. 5

Invoice Documents

Many companies process their bills in the form of invoices which contain tables that hold information about the items along with their prices and quantities. This information is generally required to be stored in databases while these invoices get processed.

Traditionally, this information is required to be hand filled into a database software however, this approach has some drawbacks:

1. The whole process is time consuming.

2. Certain errors might get induced during the data entry process.

3. Extra cost of manual data entry.

 An invoice automation system can be deployed to address these shortcomings. The idea is to upload the invoice document and the system will read and generate the tabular information in the digital format making the whole process faster and more cost-effective for companies.

Fig. 6

Fig. 6 shows a sample invoice that contains some regular invoice details such as Invoice No, Invoice Date, Company details, and two tables holding transaction information. Now, our goal is to extract the information present in the two tables.

Tabular Information

The problem of extracting tables from invoices can be condensed into 2 main subtasks.

1. Table Detection

2. Tabular Structure Extraction.

 What is Table Detection?

 Table Detection is the process of identifying and locating tables that are present in a document, usually an image. There are multiple ways to detect tables in an image. Some of the approaches make use of image processing toolkits like OpenCV while some of the other approaches use statistical models on features extracted from the documents such as Text Position and Text Characteristics. Recently more deep learning approaches have been used to detect tables using trained neural networks similar to the ones used in Object Detection.

What is Table Structure Extraction?

Table Structure Extraction is the process of extracting the tabular information once the boundaries of the table are detected through Table Detection. The information within the rows and columns is then extracted and transferred to the desired format, usually CSV or Excel file.

Table Detection using Faster RCNN

Faster RCNN is a neural network model that comes from the RCNN family. It is the successor of Fast RCNN created by Ross Girshick in 2015. The name Faster RCNN is to signify an improvement over the previous model both in terms of training speed and detection speed. 

To read more about the model framework, one can access the paper Faster R-CNN: Towards Real-Time Object Detection with Region Proposal Networks.

 There are many other object detection model architectures that are available for use today. Each model comes with certain advantages and disadvantages in terms of prediction accuracy, model parameter size, inference speed, etc.

For the task of detecting tables in invoice documents, we will select the Faster RCNN model with FPN(Feature Pyramid Network) as a feature extraction network. The model is pre-trained on the ImageNet corpus using ResNET 101 architecture. The ImageNet corpus is a public dataset that consists of more than 20,000 image categories of everyday objects.  We will therefore make use of a Pytorch framework to train and test the model.

The above mentioned model gives us a fast inference time and a high Mean Average Precision. It is preferred for cases where a quick real time detection is desired.

First, the model is to be trained using public datasets for Table Detection such as Marmot and UNLV datasets. Next, we further fine-tune the model with our custom labeled dataset. For the purpose of labeling, we will follow the COCO annotation format.

Once trained, the model displayed an accuracy close to 86% on our custom dataset. There are certain scenarios where the model fails to locate the tables such as cases containing watermarks and/or overlapping texts. Tables without borders are also missed in a few instances. However, the model has shown its ability to learn from examples and detect tables in multiple different invoice documents. 

Fig. 7

After running inference on the sample invoice from Fig 6, we can see two table boundaries being detected by the model in Fig 7. The first table gets detected with 100% accuracy and the second table is detected with 99% accuracy.

Table Structure Extraction

Once the boundaries of the table are detected by the model, an OCR (Optical Character Reader) mechanism is used to extract the text within the boundaries. The text is then processed using the information that is part of a unique table.

We were able to extract the correct structure of the table, including its headers and line items using logics derived from the invoices. The difficulty of this process depends on the type of invoice format at hand.

There are multiple challenges that one may encounter while building an algorithm to extract structure. Some of them are:

  1. The span of some table columns may overlap making it difficult to determine the boundaries between columns.
  2. The fonts and sizes present within tables may vary from one table to another. The algorithm should be able to accomodate for this variation.
  3. The tables might get split into two pages and detecting the continuation of a table might be challenging.

Certain deep learning approaches have also been published recently to determine the structure of a table. However, training them on custom datasets still remains a challenge. 

Fig 8

The final result is then stored in a CSV file and can be edited or stored according to one’s convenience as shown in Fig 8 which displays the first table information.


The deep learning approach to extracting information from structured documents is a step in the right direction. With high accuracy and low running time, the systems can only learn to perform better with more data. The recent and upcoming advancements in computer vision approaches have made processes such as invoice automation significantly accessible and robust.

About the author:

Prateek Sethi is a Data Scientist working at Mantra Labs. His work involves leveraging Artificial Intelligence to create data-driven solutions. Apart from his work he takes a keen interest in football and exploring the outdoors.

Further Reading:


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