AI infrastructure for insurance
Banking evolved.Insurance didn't.
Instly builds the operating system insurance never got — quoting, servicing and client care, run by AI and shipped by people who have done the job.
AI infrastructure for insurance
Instly builds the operating system insurance never got — quoting, servicing and client care, run by AI and shipped by people who have done the job.
Why we exist
Thirty years ago, moving money meant phoning the bank. Today it's a tap — an instant transfer anywhere. Insurance never made that journey. We're the ones making it.
Every quote depends on age, nationality, residence, health, family structure, coverage, zone, deductible and currency — each interacting differently across dozens of insurers. Multiply those variables together and you do not get a lookup table. You get millions of possible pricing outcomes, constantly changing beneath the surface. For years, the industry tried to manage this with rate sheets and manually maintained tools. Difficult to build, expensive to operate and outdated almost immediately.
Brokers are advisers, relationship managers and claims advocates — not software engineers. Building a genuine insurance pricing engine requires specialist developers, structured insurer data and years of industry knowledge. Most brokerages never had the time, team or budget to attempt it.
The expertise didn't exist in one placeThose who tried often spent six figures building slow, rigid systems tied to one developer or one data structure. Every new insurer, product or pricing change created more development work — and more cost.
Expensive to build · expensive to maintainA quote engine is only as reliable as the data behind it. When insurers changed rates, benefits, zones or eligibility rules, traditional systems had to be updated manually. One missed change could produce an incorrect quote and damage the client's trust.
This is the problem we solvedEvery insurer structures its products differently — different fields, age rules, currencies, zones, deductibles and coverage definitions. Without normalising everything into one common structure, you are not comparing like with like.
A comparison is only as good as its dataInsurer data arrives in different formats, structures and currencies — and most carriers do not provide a usable real-time pricing API. We build a dedicated pricing engine around each insurer's own products, rules and calculations, then normalise every result into one common structure. One secure request in. One accurate quote out. Whether you use one insurer or the entire market.
The source data is different for every insurer. The output is always consistent. We parse, map, validate, convert and normalise each product into its own dedicated engine — and we maintain that engine as products and pricing change, so your integration does not have to.
One engine. Two ways to use it. Deploy a dedicated engine for one insurer, or combine multiple engines into a single market-wide decision layer.
Turn rate sheets and underwriting rules into a secure digital quoting service for your brokers, partners, websites and internal teams.
Connect any combination of normalised insurer engines, compare products like for like, and apply your own recommendation logic — ranked using your rules, not simply the cheapest price.
| # | Plan | Fit | Premium |
|---|---|---|---|
| 1 | Plan A | 94% | £1,970 |
| 2 | Plan B | 89% | £2,932 |
| 3 | Plan C | 84% | £3,446 |
Every engine speaks the same language — rates, coverage areas, zones, deductibles, co-payments, residency, nationality, plan type, currencies. And this is not a roadmap: the architecture is live today, powering Instly Quote.
AI integration for legacy systems. Your policy admin, CRM or back office doesn't need replacing to get AI. The same discipline we apply to insurer rate sheets applies to any legacy system: normalise what it holds, put an AI interface on top, and keep every write behind your existing controls.
We map what your system already holds — clients, policies, products, documents — into one structure AI can actually work with. No migration, no rip-and-replace.
Quote, answer, brief and draft on top of the old system — in WhatsApp, on your website, or inside the tools your team already opens every day.
The AI reads freely and drafts; anything that changes a record or leaves the building goes through your existing approval flow. Your controls stay in charge.
The Engine models every insurer's real pricing logic; Sage runs the operation; Nomi looks after the client. Deployed as a branded API for insurers, or a multi-insurer comparison layer for brokers and platforms.
A dedicated pricing engine per insurer, normalised into one standard output. Plans, benefits, currencies and pricing you can quote with confidence — in real time, not from a stale spreadsheet.
Operations automation over WhatsApp and CRM — leads, renewals, updates and pipeline management handled where brokers actually work, not in another dashboard nobody opens.
24/7 AI client support that answers coverage questions, finds hospitals and explains claims — embedded on your site, speaking with your brand's voice.
The proof
AI can read insurance data. We make it usable.
AI is the interface. The structured insurance data beneath it is the infrastructure.
Put your products in the Engine. We turn your rate sheets and underwriting rules into a branded quoting API for your brokers, partners and internal teams — and maintain it as your products change.