Insurance rating engine
for NZ MGAs
Build and version your rates, embed the quote journey on your own website, collect payment, then send the bound policy into the back-office system you already use.
Start with the rating engine
InsureOS turns your rating tables, underwriting rules, loadings, discounts, fees, and levies into one traceable calculation. Around it sit the tools to quote, take payment, and send clean data back to your policy system.
Rating Engine
Turn tables, factors, and rules into a traceable premium calculation your team can change.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10k | $72 | $60 | $51 |
| $20k | $144 | $120 | $102 |
| $30k | $216 | $180 | $153 |
| $40k | $288 | $240 | $204 |
Quote Forms
Embed the quote journey on your own website, matched to your brand and products.
Renewals
Re-rate, contact customers, and collect renewal payment without moving the policy record.
Document Generation
Create schedules, certificates, and receipts from the same data used to price the quote.
Payment Collection
Offer card, bank transfer, or premium funding through the providers you already use.
Integration API
Connect the rating engine and customer journey to the systems behind your business.
Improve the customer journey. Keep your policy system.
Your rates, made usable
We map the tables, formulas, loadings, levies, and referral rules that make each product yours.
Your website, your customer journey
The quote form sits inside your site, in your brand, with live rating and payments handled directly.
Your system of record stays
Bound policy and payment data flows into JAVLN, eGlobal, or the back-office system your team already knows.
InsureOS connects modular infrastructure across our insurance platform, high-conversion online quote journeys, and specialized verticals like marine pleasurecraft insurance. The people who scope the work stay involved through implementation, integration, launch, and support. Meet the team behind InsureOS.
The quote stays on your website
The quote form sits inside the website your customer already trusts. Your brand, domain, and content stay in place while InsureOS handles questions, validation, and sub-second rating.
Explore online quoting- Embed with a script or build against the client package
- Match each brand or distribution channel
- Keep the customer on your own domain
Take payment without changing your stack
Connect the payment gateways and premium funders you already use. InsureOS presents the options, records the result, and continues the policy flow when payment clears.
Read about payment collectionComplete your purchase
Card, bank transfer, and premium funding. Let customers choose what works for them.
Use Windcave for card payments, RedPlanet for premium funding, or connect another provider.
Show funded instalments alongside annual payment, priced as part of the quote.
Send policy documents and receipts when payment clears, with the result recorded against the quote.
Documents from the same quote data
Define each schedule, certificate, or receipt once. InsureOS fills the template from the data already captured during the quote and can generate it when the workflow calls for it.
- Templates for schedules, certificates, and receipts
- Use the quote, customer, risk, and policy data already captured
- Generate automatically, manually, or through the API
| Section | Sum insured | Excess |
|---|---|---|
| Hull and machinery | $185,000 | $1,000 |
| Third party liability | $5,000,000 | $500 |
| Personal effects | $10,000 | $250 |
A rating engine your team can work with
Turn rating tables, factors, and underwriting rules into a transparent premium calculation. Change rates and rules in the admin portal, then inspect exactly how every quote was priced.
- Build the base premium from tables or formulas
- Apply loadings, discounts, fees, taxes, and levies in order
- See every step behind the final premium
Calculate the base premium using a lookup table or a set of rules.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10,000 | $72 | $60 | $51 |
| $20,000 | $144 | $120 | $102 |
| $30,000 | $216 | $180 | $153 |
| $40,000 | $288 | $240 | $204 |
| $50,000 | $360 | $300 | $255 |
Straightforward quotes flow through, while the rest go to an underwriter
Set the cases that need an underwriter: a particular construction type, a sum insured threshold, a claims history, or any combination of answers. The customer can finish the journey normally while the quote pauses for review.
Read about referral rulesA member of our team will be in touch within 24 hours to complete your quote.
Change rates without rewriting history
Give each rate change an effective date. Open any past quote and see the exact tables, rules, and numbers that priced it, even after the live product has moved on.
Read about product versioningOn the roadmap
Next on the roadmap, more ways for policyholders and brokers to work with you without replacing the back-office system behind them.
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Customer Portal
A place for policyholders to view cover, download documents, manage payments, and start a claim without calling your team.
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Claims Intake
Customer-facing first notice of loss, status updates, and document upload, connected to the claims process already running in your back office.
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Broker Portal
Let distribution partners quote and bind against your products, while the rating logic and policy destination stay under your control.
Gallery
Frequently asked questions
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What is InsureOS?
InsureOS is insurance rating software and a digital quote-to-bind layer for New Zealand MGAs and underwriting agencies. It turns your rates and rules into a live premium, runs the customer through a branded quote journey, collects payment, and passes the result to the policy system you already use.
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Who is InsureOS for?
New Zealand specialty MGAs and underwriting agencies that own their products and rates but do not want the customer experience constrained by their back-office software. It suits teams writing marine, vehicle, property, and other specialist products.
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Does InsureOS replace our policy management system?
No. InsureOS is deliberately not a policy administration system. JAVLN, eGlobal, and similar systems remain the source of truth for policies, accounting, compliance, and back-office work. InsureOS handles rating and the customer-facing journey, then sends the policy data back.
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What does the platform include?
A configurable rating engine, embeddable quote forms, referral workflows, payments and premium funding, renewals, document generation, an admin portal, and an API and webhook layer for integrations.
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Which systems does InsureOS connect with?
InsureOS can integrate with policy systems such as JAVLN and eGlobal, payment gateways such as Windcave, premium funders such as RedPlanet, and other services through APIs, webhooks, or provider-specific workflows. The integration is designed around the stack you already run.
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How does pricing work?
The recurring platform fee is flat and shaped by the capabilities, products, and integrations in the agreed scope. Implementation is scoped separately. There is no percentage of GWP, take-rate on premium, or per-policy charge.