Rating, quoting, payment, renewal. Built on a single core.
The same engine that prices a quote books the policy, collects the premium, initiates the renewal cycle, and updates your back-office ledger. Every component operates in unison under your organisation's control.
Managing general agents frequently wrestle with fragmented software: rating tables trapped in spreadsheets, quote forms tied to inflexible web agencies, and payment records manually keyed into accounting ledgers. InsureOS consolidates these operational layers into one auditable system.
From the central console, underwriters configure products, monitor quote conversion, inspect rate calculation traces, and oversee policy lifecycles. Discover how our automatic rating engine powers calculations, review our policy system integrations with systems like JAVLN and eGlobal, and check our transparent platform pricing.
Maintain all rating tables, factor matrices, excess options, and referral rules in one auditable administration console.
Deploy fast, brand-matched quote widgets across direct websites, broker portals, and retail point-of-sale environments.
Transmit bound policies, customer records, and payment transactions directly into JAVLN, eGlobal, or custom databases via real-time webhooks.
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.
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 |
Turn the questions and rules behind each product into a branded, staged quote journey. Embed it on your website or a distributor's, so customers can get a price without being sent to a generic third-party portal.
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 collectionCard, 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.
Request rates, create quotes, issue policies, fetch history. JSON in and out, with clear errors at every step.
{
"rating_factors": {
"cover_start_date": "2025-01-20",
"sum_insured": 10000,
"cover_type": "comprehensive",
"driver_age": 18
}
}{
"calculation_id": "c-x7dhe",
"premium": "2970.0000",
...
}An MGA insurance platform is the foundational software that coordinates product configuration, rating calculations, customer quoting, payment collection, and annual renewals in one unified system. InsureOS is tailored for underwriting agencies running specialized commercial and personal lines products.
A typical launch requires four to eight weeks from initial project kickoff to live quote generation in production. Most of that duration involves validating your underwriting rules, structuring question sequences, and confirming broker commissions, while platform configuration takes only hours.
Your organisation retains complete ownership over all policyholder details, quote records, and payment histories. Data resides within your isolated PostgreSQL tenant schema, and we never pool or share data across clients.
The platform runs on AWS infrastructure deployed in your geographic region, hosted in New Zealand by default, with Australian and European regions available upon request. Multi-tenant database schemas guarantee strict logical isolation for every agency.
Yes. InsureOS provides native integration adapters for payment gateways like Windcave and policy administration systems like JAVLN. Our documented REST API and webhook interfaces also allow custom connections to any internal database or enterprise service bus.
A single configured insurance product can power distinct quoting frontends for direct consumer sites, broker portals, and dealership kiosks. Each channel receives tailored CSS branding and attribution tracking while routing to a central underwriting pipeline.
Online quoting
Embed a real quote-to-bind flow
Automatic rating
Product definitions, rules, tables, explainable factors
Third-party integrations
Plug in the tools you already run
Payment collection
Cards, bank transfers, finance
Renewals
Re-rate, payments, automatic renewals
Document generation
Branded policy docs, certificates, receipts
Automation
Webhooks, events, integrations
APIs
Headless when you need it