diff --git a/customer-portal-full/client/src/components/UnifiedLayout.tsx b/customer-portal-full/client/src/components/UnifiedLayout.tsx
index 2f96d268b..9c1b2036f 100644
--- a/customer-portal-full/client/src/components/UnifiedLayout.tsx
+++ b/customer-portal-full/client/src/components/UnifiedLayout.tsx
@@ -235,7 +235,7 @@ const menuGroups: MenuGroup[] = [
{ icon: TrendingUp, label: "Dynamic Pricing", path: "/dynamic-pricing", permission: "canViewAnalytics" },
{ icon: Sparkles, label: "AI Knowledge Assistant", path: "/ai-assistant", permission: "canViewDashboard" },
{ icon: Activity, label: "Smart Risk Intelligence", path: "/mcmc-risk", permission: "canViewAnalytics" },
- { icon: Route, label: "Smart Claim Routing", path: "/smart-claim-routing", permission: "canViewClaims" },
+ { icon: Route, label: "Smart Claim Routing", path: "/smart-claim-routing", permission: "canViewPolicyApproval" },
{ icon: UserMinus, label: "Churn Prediction", path: "/churn-prediction", permission: "canViewAnalytics" },
{ icon: Shield, label: "AI Model Security", path: "/model-security", permission: "canViewAnalytics" },
],
@@ -256,14 +256,14 @@ const menuGroups: MenuGroup[] = [
items: [
{ icon: Users, label: "Agent Portal", path: "/agent-portal", permission: "canViewCommission" },
{ icon: Building2, label: "Bancassurance Portal", path: "/bancassurance-portal", permission: "canViewAnalytics" },
- { icon: Zap, label: "Embedded Distribution", path: "/embedded-distribution", permission: "canViewPolicies" },
+ { icon: Zap, label: "Embedded Distribution", path: "/embedded-distribution", permission: "canViewCommission" },
{ icon: Zap, label: "Embedded Insurance", path: "/embedded-insurance", permission: "canViewUserManagement" },
],
},
{
label: "Regulatory Compliance",
items: [
- { icon: Scale, label: "NIIRA 2025 Compulsory Insurance", path: "/niira-compulsory-insurance", permission: "canViewPolicies" },
+ { icon: Scale, label: "NIIRA 2025 Compulsory Insurance", path: "/niira-compulsory-insurance", permission: "canViewAuditLogs" },
{ icon: Shield, label: "NAICOM Compliance", path: "/naicom-compliance", permission: "canViewAuditLogs" },
{ icon: Gavel, label: "Compliance Monitor", path: "/compliance", permission: "canViewAuditLogs" },
{ icon: ScrollTextIcon, label: "Audit Trail", path: "/audit-trail", permission: "canViewAuditLogs" },
@@ -272,8 +272,8 @@ const menuGroups: MenuGroup[] = [
{
label: "Nigerian Market",
items: [
- { icon: Phone, label: "USSD Gateway", path: "/ussd-gateway", permission: "canViewDashboard" },
- { icon: Car, label: "NMID Integration", path: "/nmid-integration", permission: "canViewPolicies" },
+ { icon: Phone, label: "USSD Gateway", path: "/ussd-gateway", permission: "canViewUserManagement" },
+ { icon: Car, label: "NMID Integration", path: "/nmid-integration", permission: "canViewUserManagement" },
],
},
{
@@ -293,7 +293,7 @@ const menuGroups: MenuGroup[] = [
{
label: "Technology & Innovation",
items: [
- { icon: Bot, label: "Insurance Technology", path: "/insurance-tech-innovations", permission: "canViewPolicies" },
+ { icon: Bot, label: "Insurance Technology", path: "/insurance-tech-innovations", permission: "canViewAnalytics" },
{ icon: Car, label: "Telematics", path: "/telematics", permission: "canViewPolicies" },
{ icon: MapPin, label: "Geospatial Map", path: "/geospatial", permission: "canViewAnalytics" },
{ icon: Key, label: "Broker API", path: "/broker-api", permission: "canViewUserManagement" },
@@ -320,15 +320,15 @@ const menuGroups: MenuGroup[] = [
{
label: "Operations",
items: [
- { icon: GavelIcon, label: "Claims Adjudication", path: "/claims-adjudication", permission: "canViewClaims" },
- { icon: RefreshCw, label: "Renewal Automation", path: "/policy-renewal-automation", permission: "canViewPolicies" },
+ { icon: GavelIcon, label: "Claims Adjudication", path: "/claims-adjudication", permission: "canViewPolicyApproval" },
+ { icon: RefreshCw, label: "Renewal Automation", path: "/policy-renewal-automation", permission: "canViewUserManagement" },
{ icon: DollarSign, label: "Agent Commissions", path: "/agent-commission", permission: "canViewCommission" },
{ icon: Layers, label: "Batch Processing", path: "/batch-processing", permission: "canViewUserManagement" },
{ icon: Eye, label: "Customer 360", path: "/customer-360", permission: "canViewCustomers" },
{ icon: FolderOpen, label: "Document Management", path: "/document-management", permission: "canViewUserManagement" },
{ icon: MessageSquareText, label: "Customer Feedback", path: "/customer-feedback", permission: "canViewAnalytics" },
- { icon: CoinsIcon, label: "Multi-Currency", path: "/multi-currency", permission: "canViewPayments" },
- { icon: Building2Icon, label: "Bank Integrations", path: "/bank-integrations", permission: "canViewPayments" },
+ { icon: CoinsIcon, label: "Multi-Currency", path: "/multi-currency", permission: "canViewUserManagement" },
+ { icon: Building2Icon, label: "Bank Integrations", path: "/bank-integrations", permission: "canViewUserManagement" },
{ icon: BarChart2, label: "Reconciliation", path: "/reconciliation", permission: "canViewAnalytics" },
{ icon: Server, label: "Disaster Recovery", path: "/disaster-recovery", permission: "canViewSystemSettings" },
{ icon: FlaskConical, label: "A/B Testing", path: "/ab-testing", permission: "canViewAnalytics" },
diff --git a/pwa-products-showcase/index.html b/pwa-products-showcase/index.html
deleted file mode 100644
index 2ef7f1937..000000000
--- a/pwa-products-showcase/index.html
+++ /dev/null
@@ -1,674 +0,0 @@
-
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-
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-NGApp โ 40 Product Improvements Showcase
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- 40 Product Improvements
- Next-generation insurance products across 6 categories โ Climate, Embedded, Consumer, Takaful, NIIRA 2025, and Tech Innovations
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๐ง๏ธ
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ClimaCash RainCash
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Automatic payout when rainfall exceeds 255mm/week โ protects farmers from flood damage to crops and farmland.
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Rainfall > 255mm โฆ50,000 payout โฆ2,500/season
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-
-
โ๏ธ
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ClimaCash DroughtCash
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Triggers when rainfall drops below 20mm/month โ covers income loss during extended dry spells across the Sahel belt.
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Rainfall < 20mm โฆ75,000 payout โฆ3,500/season
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-
-
๐
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ClimaCash FloodCash
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Parametric payout on extreme rainfall events exceeding 380mm/week โ protects riverine farming communities.
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Rainfall > 380mm โฆ100,000 payout โฆ5,000/season
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-
-
๐ฅ
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ClimaCash HeatCash
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Triggers on extreme heat above 42ยฐC โ covers livestock heat stress and crop wilting in Northern Nigeria.
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Temp > 42ยฐC โฆ40,000 payout โฆ2,000/season
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-
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๐ฟ
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Weather Index Crop Insurance
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NiMet-Satellite sourced weather data drives automatic payouts for smallholder farmers across multiple crop types.
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Multi-index โฆ85,000 payout โฆ4,200/season
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๐
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Index-Based Livestock Insurance (IBLI)
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NDVI satellite vegetation index triggers payouts when pasture quality falls below threshold โ protects pastoralists.
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NDVI Satellite โฆ120,000 payout โฆ6,000/season
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๐
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Takaful IBLT (Livestock)
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Sharia-compliant index-based livestock insurance with mutual risk sharing and surplus distribution.
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NDVI Satellite โฆ120,000 payout โฆ5,500/season Takaful
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-
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๐งช
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Fertiliser-Bundled Insurance
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Micro-premium bundled with fertiliser purchase โ โฆ500 covers crop failure for one growing season.
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Bundled โฆ7,000 payout โฆ500/season
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-
-
๐
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Area Yield Index
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NAIC-Nigeria sourced area yield data triggers payouts when regional yields fall below historical averages.
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Area Yield โฆ95,000 payout โฆ4,800/season
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-
๐
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Aquaculture & Fisheries
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NiMet-Marine data monitors water temperature and conditions for fish farm and artisanal fishing protection.
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Marine Data โฆ80,000 payout โฆ4,000/season
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-
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๐ก๏ธ
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Multi-Peril Crop Insurance
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Hybrid parametric + indemnity โ covers drought, flood, pest, and disease in a single comprehensive policy.
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Hybrid โฆ150,000 payout โฆ7,500/season
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๐ช
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Pastoral Migration Route
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GPS + NDVI tracking of pastoral migration corridors โ triggers payouts when routes become unviable.
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GPS + NDVI โฆ60,000 payout โฆ3,000/season
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-
-
๐
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Carbon Credit Insurance
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Verra-Registry verified โ protects carbon credit investments against reversal, non-delivery, and registry failures.
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Carbon Flux โฆ200,000 payout โฆ10,000/year
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Live Demo Data โ Trigger Evaluation
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Flood Trigger 400mm measured vs 380mm threshold = TRIGGERED
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Drought Trigger 10mm measured vs 20mm threshold = TRIGGERED
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NDVI Assessment 0.15 โ Severe Drought (percentile 15)
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Sample Enrollment Adamu Ibrahim, North-West, Maize โ Premium โฆ2,500
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๐ณ
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Credit Life Plus
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Auto-enrolled with loan disbursement via PayStack โ covers outstanding balance on death/disability. 15% commission to partner.
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Loan Embedded โฆ100,000 โฆ500/loan PayStack
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๐ฑ
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Airtime Accident Cover
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Bundled with โฆ500+ data purchase via MTN MoMo โ personal accident cover for 30 days. 20% commission.
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Airtime Bundled โฆ25,000 โฆ50/purchase MTN MoMo
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๐
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Device Protection
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Offered at Jumia checkout for electronics โ covers accidental damage and theft for 12 months. 12% commission.
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E-commerce โฆ150,000 โฆ1,500/year Jumia
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๐
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Ride-Hailing Driver Cover
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Per-trip/daily coverage for Bolt gig drivers โ activate/deactivate with swipe. 18% commission to platform.
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Ride-hailing โฆ500,000 โฆ200/day Bolt
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๐ฆ
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Savings Guard
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Protects PiggyVest savings from health emergencies โ auto-deducted monthly. 10% commission.
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Savings-linked โฆ200,000 โฆ300/month PiggyVest
-
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๐
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Marketplace Insurance Exchange
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B2B2C SDK for Kuda Bank โ any distributor offers any insurer product via API. 14% commission.
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SDK Multi-product Kuda Bank
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Live Demo Data โ Revenue Share
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Partner PayStack Financial (PTR-001)
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Total Premiums โฆ500
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Commission (15%) โฆ75
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Net to Insurer โฆ425
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๐
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Pay-Per-Day Motor
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Activate/deactivate daily motor insurance via app. Only pay for days you drive. Perfect for weekend drivers.
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On-demand โฆ2,000,000 โฆ350/day
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๐๏ธ
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Gig Worker On-Demand
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Per-trip accident cover for delivery riders and ride-hailing drivers โ auto-activates when online.
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On-demand โฆ500,000 โฆ150/trip
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๐
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SME Cyber Shield
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AI-powered cyber risk assessment for SMEs โ scores vulnerability, recommends protection level, calculates premium.
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Cyber AI Risk Scoring From โฆ25,000/year
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-
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๐พ
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Pet Insurance
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Comprehensive veterinary coverage for dogs and cats โ covers accidents, illness, surgery, and routine care.
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Pet Health โฆ500,000 โฆ2,000/month
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โ๏ธ
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Digital Nomad Travel
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Multi-country travel insurance for remote workers โ covers medical, equipment, and liability across borders.
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Travel โฆ5,000,000 โฆ8,500/month
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๐
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Subscription Motor
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Monthly subscription motor insurance โ cancel anytime, no long-term commitment. Usage-based pricing.
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Subscription โฆ3,000,000 โฆ4,500/month
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๐ฅ
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Hospi-Cash
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Daily cash benefit during hospitalization โ โฆ5,000/day paid directly to your account. No receipts needed.
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Health โฆ5,000/day โฆ1,500/month
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โฐ๏ธ
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Funeral Insurance
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Dignified funeral coverage with immediate payout on death notification โ covers ceremony and burial costs.
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Life โฆ500,000 โฆ1,000/month
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Live Demo Data โ Cyber Risk Assessment
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Business FinStart Ltd (Fintech, 5 employees)
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Risk Score 85/100 โ HIGH
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Vulnerabilities No dedicated IT, high-value target, phishing risk, ransomware
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Recommended Comprehensive Plan โ โฆ75,000/year
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๐พ
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Takaful Crop Insurance
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Mutual crop protection pool โ โฆ45M total contributions, โฆ33M surplus. 12,857 members share risk collectively.
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Pool: POOL-CROP โฆ3,500/season Surplus: โฆ33M
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๐
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Livestock IBLT
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Sharia-compliant NDVI-indexed livestock protection โ โฆ28M pool, 5,600 members, โฆ19.5M surplus.
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Pool: POOL-LIVESTOCK โฆ5,000/season Surplus: โฆ19.5M
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๐
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Motor TP Takaful
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Mutual motor third-party pool โ โฆ65M contributions, 8,125 members. Largest pool by value.
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Pool: POOL-MOTOR โฆ8,000/year Surplus: โฆ30M
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๐ฅ
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Hospi-Cash Takaful
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Mutual health protection โ โฆ18M pool, 12,000 members. Daily cash benefit during hospitalization.
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Pool: POOL-HEALTH โฆ1,500/month Surplus: โฆ12.8M
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๐
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Education Savings Takaful
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Long-term education savings with protection โ โฆ35M pool, 7,000 members. Matures at child's university age.
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Pool: POOL-EDUCATION โฆ5,000/month Surplus: โฆ33M
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๐
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Hajj/Umrah Travel Takaful
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Pilgrimage travel protection โ covers medical, trip cancellation, and lost luggage. 1,467 members.
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Pool: POOL-HAJJ โฆ15,000/trip Surplus: โฆ15.2M
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Live Demo Data โ Surplus Distribution
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Pool POOL-CROP (Crop Takaful)
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Total Surplus โฆ33,002,625
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Members 12,858
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Per-Member Share โฆ2,566.70
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Sharia Compliance 6/6 principles met โ Board Approved
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๐
Motor Third-Party
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Mandatory for all vehicle owners โ covers third-party bodily injury and property damage. NAICOM Section 68.
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Mandatory โฆ15,000/year All vehicles
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๐ท
Employer's Liability
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Required for businesses with 5+ employees โ covers workplace injury and occupational disease claims.
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5+ employees โฆ25,000/year
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๐ข
Building Insurance
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Mandatory for all building owners โ covers fire, flood, collapse, and structural damage. NAICOM Section 64.
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All buildings โฆ50,000/year โฆ10M
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โ๏ธ
Professional Indemnity
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Required for professionals (lawyers, accountants, engineers) โ covers malpractice and professional negligence.
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Professionals โฆ35,000/year
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๐ฆ
Product Liability
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Mandatory for manufacturers โ covers injury or damage caused by defective products. New under NIIRA 2025.
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Manufacturers โฆ40,000/year NEW
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๐ฅ
Healthcare Professional Indemnity
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Required for hospitals and clinics โ covers medical malpractice and clinical negligence. New under NIIRA 2025.
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Healthcare โฆ45,000/year NEW
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๐ข
Marine Cargo
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Mandatory for all goods imported by sea โ covers loss, damage, and delay of cargo in transit.
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Importers โฆ30,000/shipment
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๐ช
Public Liability
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Required for public-facing businesses โ covers injury to visitors and members of the public on premises.
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Public venues โฆ20,000/year
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๐ฅ
Group Life
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Mandatory for employers with 3+ staff โ minimum 3x annual salary death benefit per employee.
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3+ staff โฆ10,000/employee/year
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๐
Occupier's Liability
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Required for property occupiers โ covers injury to lawful visitors. New compulsory class under NIIRA 2025.
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Occupiers โฆ15,000/year NEW
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๐๏ธ
Contractors All Risk
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Mandatory for construction projects โ covers material damage, third-party liability, and worksite accidents.
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Contractors โฆ60,000/project NEW
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Live Demo Data โ Compliance Check (Hospital)
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Business Type Hospital, 20 employees
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Required Classes 6 classes required โ NOT COMPLIANT
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Missing Motor TP, Employer Liability, Group Life, Healthcare PI, Public Liability, Occupier's
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Total Premium โฆ155,000/year
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Deadline July 30, 2026
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๐ง
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AI Dynamic Pricing Engine
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Multi-factor premium adjustment: driving score, claims history, mileage, vehicle age, and region. Real-time pricing updates.
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AI/ML 5 Factors Real-time
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๐ฐ๏ธ
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Instant Satellite Claims
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Satellite-verified damage assessment with AI confidence scoring โ auto-approve claims above 85% confidence in 250ms.
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Satellite Auto-approve 250ms
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๐ฎ
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Gamification Engine
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Points-based rewards for safe behavior โ bronze/silver/gold levels with premium discounts up to 20%. Reduces loss ratio by 12%.
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Points 3 Levels Up to 20% off
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-
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๐ค
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P2P Insurance Pools
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Peer-to-peer mutual groups โ Lagos Drivers (150 members), Ikoyi Neighbours (45), Tech Workers (200). Up to 42% giveback.
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P2P 3 Pools Up to 42% giveback
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-
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๐ง
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Multi-Peril Product Builder
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No-code platform to create custom insurance products โ select perils, triggers, payout rules, and distribution. Launch in 3 days.
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No-code Custom Perils 3-day launch
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Live Demo Data โ Dynamic Pricing Comparison
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Safe Driver โฆ50,000 โ โฆ25,000 (50% discount: safe driving + NCD + low mileage)
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Risky Driver โฆ50,000 โ โฆ87,500 (75% surcharge: poor score + claims + high mileage + old vehicle)
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Instant Claim Auto-approved, confidence 100%, processed in 250ms
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Gamification Gold level, 600 points, 15% premium discount, 4 rewards unlocked
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-
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Layered Architecture (per service)
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-
HTTP Handlers โ gorilla/mux routes, JSON encode/decode
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Service Layer โ Business logic, premium calculation, trigger evaluation
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Repository โ Thread-safe in-memory storage (sync.RWMutex), seed data
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Models โ Domain types with JSON tags
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-
-
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Agricultural (:8140)
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- GET /health
- GET /api/v1/agricultural/products
- GET /api/v1/agricultural/products/{id}
- GET /api/v1/agricultural/products/category/{cat}
- POST /api/v1/agricultural/enroll
- GET /api/v1/agricultural/policies
- POST /api/v1/agricultural/trigger/evaluate
- GET /api/v1/agricultural/triggers
- GET /api/v1/agricultural/payouts
- POST /api/v1/agricultural/ndvi/assess
-
-
-
-
Embedded (:8141)
-
- GET /health
- GET /api/v1/embedded/partners
- GET /api/v1/embedded/partners/{id}
- GET /api/v1/embedded/products
- POST /api/v1/embedded/enroll
- GET /api/v1/embedded/enrollments
- GET /api/v1/embedded/partners/{id}/revenue
-
-
-
-
Consumer (:8142)
-
- GET /health
- GET /api/v1/consumer/products
- POST /api/v1/consumer/activate
- GET /api/v1/consumer/policies
- POST /api/v1/consumer/cyber/assess
- POST /api/v1/consumer/hospicash/claim
-
-
-
-
Takaful (:8143)
-
- GET /health
- GET /api/v1/takaful-products/products
- GET /api/v1/takaful-products/products/{id}
- GET /api/v1/takaful-products/pools
- POST /api/v1/takaful-products/join
- POST /pools/{id}/surplus/distribute
- GET /products/{id}/compliance
-
-
-
-
NIIRA 2025 (:8144)
-
- GET /health
- GET /api/v1/niira/classes
- GET /api/v1/niira/classes/{id}
- POST /api/v1/niira/compliance/check
- POST /api/v1/niira/policies/issue
- GET /api/v1/niira/certificates
-
-
-
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Tech Innovations (:8145)
-
- GET /health
- POST /api/v1/innovations/pricing/dynamic
- POST /api/v1/innovations/claims/instant
- POST /api/v1/innovations/gamification/profile
- GET /api/v1/innovations/p2p/pools
- POST /api/v1/innovations/product-builder/create
-
-
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-
diff --git a/pwa-products-showcase/manifest.json b/pwa-products-showcase/manifest.json
deleted file mode 100644
index 0d0904c1a..000000000
--- a/pwa-products-showcase/manifest.json
+++ /dev/null
@@ -1,10 +0,0 @@
-{
- "name": "NGApp 40 Product Improvements",
- "short_name": "NGApp Products",
- "description": "40 insurance product improvements across 6 categories",
- "start_url": "/",
- "display": "standalone",
- "background_color": "#0f172a",
- "theme_color": "#0f172a",
- "icons": []
-}