CRM focuses on building and enhancing individualized customer relationships to maximize lifetime value for both customers and companies. It provides competitive advantages through improved customer service and effective grievance management at various organizational levels. Additional features include mobile CRM, cross-selling, and data sharing, which lead to reduced costs and increased customer loyalty.

2.  CRM is concerned with the creation ,
development and enhancement of
individualised , customers, relationships, with
carefully targeted customers and customers
groups resulting maximizing customers life
time value .

3.  The focus of CRM is on creating value for
the customer and the company over a
Longer term
When customers value the customer service
that they recieve goods from the suppliers.

4.  CRM enables organisations to gain
compietive advantage over compietiors.

5. Consulting
servicies
Implementation
servicies
CRM
outsourcing
servicies
Training
servicies
More profit Better service

6.  Customer service
 Information on premium position assistance
filling up forms , registration on lie portals
 Grivence redressal system
 At branch level
 At devision level
 At zonal level
 At central level

7.  M-crm
 Cross selling
 De materialized policies
 One counter payment of claims

8.  Shared or distributed data
 Cost reduction
 Better customer service
 Increased customer satisfraction
 Loyal customers