I need a full-featured Insurance CRM built specifically for the Indian market so that policy lifecycles, agent networks, and claim workflows reflect local practices and regulatory expectations. Core modules I have in scope are: • Policy management that cleanly handles new business, renewals, endorsements, and cancellations. • Claims processing with clear status tracking from FNOL through settlement. • Agent management covering onboarding, licensing status, commission slabs, and performance dashboards. Beyond those essentials, the system should also provide: • A customer portal where policyholders can log in, view documents, download receipts, and raise service requests. • Automated reminders for premium due dates, renewals, and pending claim documents, triggered by configurable rules. • Robust report generation so I can pull MIS snapshots on production, lapse rates, outstanding claims, and agent KPIs without manual Excel work. I want the CRM available on every major platform—web (browser-based), a companion mobile app, and a lightweight desktop client—so staff, agents, and customers can pick the interface that suits them. Security, role-based access, and clean, intuitive UI matter just as much as the features above. Comprehensive API documentation, basic user training assets, and handover of source code will form part of the final delivery. If you have experience with similar projects in India, especially anything that had to accommodate IRDAI guidelines or GST-compliant invoicing, please mention it along with a rough delivery timeline.