FASTER QUOTES · FEWER ERRORS · ALWAYS CURRENT
The engine
Quote with confidence.
Every plan, benefit, currency and pricing rule is normalised and kept current — so your team can compare and quote in seconds, without relying on spreadsheets.
Insurance · Built by people who know it
Banking evolved.
Insurance didn't.
Thirty years ago, moving money meant phoning the bank. Today it's an app, a tap, an instant transfer anywhere. Insurance never made that journey. We're the ones making it.
The insurance operating system
Everything you need to quote, run and service an international health insurance brokerage.
Quote faster. Run smarter. Be there when clients need you.
One infrastructure connecting live insurer data, automated brokerage operations and 24/7 client support. Built by people who have worked in international health insurance for 25 years.
22 insurers · 4,550 plans · 71,400 pricing configurations · 355,000+ localised price points
MORE CONVERSIONS · LESS ADMIN · NOTHING MISSED
Sage
Keep the brokerage moving.
Sage follows up leads, chases renewals, updates clients and manages your pipeline through WhatsApp — without adding more administration.
24/7 SUPPORT · BETTER SERVICE · YOUR BRAND
Nomi
Be there — even at 2am.
Nomi answers coverage questions, finds hospitals, explains claims and supports clients around the clock, using your brand, your products and your rules.
See how it all works together
The problem
You cannot solve dynamic insurance pricing with a static lookup table.
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 Difficult to build, expensive to operate and outdated almost immediately.
THE EXPERTISE
It was never a broker's job.
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 PLACE
THE COST
It cost a fortune.
Those 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 MAINTAIN
THE DATA · THE KILLER
The rates went stale.
A 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 SOLVED
THE STANDARD
Nothing lined up.
Every 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 DATA
The Architecture
Every insurer is different. The output doesn't have to be.
Insurer 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. Every result is then normalised into one common structure.
One secure request in. One accurate quote out. Whether you use one insurer or the entire market.
01 · Build the engine
Source data · different for every insurer
Rate sheets
Benefit tables
IPID
Policy wordings
Application forms
Brochures
Dedicated insurer engine
- 01Parse
- 02Map fields
- 03Apply pricing rules
- 04Validate
- 05Normalise
Standardised pricing API
INApplicant and coverage details
OUTAccurate quote and product data
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. We maintain that engine as products and pricing change, so your integration does not have to.
02 · Deploy the engine
How it deploys
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.
For insurers
Your products. Your rules. Your API.
Turn rate sheets and underwriting rules into a secure digital quoting service for your brokers, partners, websites and internal teams.
Dedicated insurer engine
Branded pricing API
Accurate quote
Faster distribution · Fewer errors · Easier integration
A dedicated quoting API built exclusively around your products.
OR
For brokers & platforms
The whole market through one connection.
Connect any combination of normalised insurer engines, compare products like for like, and apply your own recommendation logic.
Normalised engines
AEngine
✓ normalisedBEngine
✓ normalisedCEngine
✓ normalisedDecision layer
compare · filter · rank · recommend
Best-fit results
#PlanFitPremium
1Plan A94%£1,970
2Plan B89%£2,932
3Plan C84%£3,446
Ranked using your rules — not simply the cheapest price.
The insurers you choose, compared through one consistent structure.
Every engine speaks the same language.
Rates · coverage areas · zones · deductibles · co-payments · residency · nationality · plan type · currencies
You choose the insurers. You control the ranking. You own the customer journey.
The Proof
Everyone is racing to build AI quote tools. Most are missing the fundamental point.
AI can read insurance data. We make it usable.
22
Insurers
structured
structured
4,550
Plans
modelled
modelled
71,400
Pricing
configurations
configurations
355,000+
Localised
price
price
AI is the interface. The structured insurance data beneath it is the infrastructure.
Build on insurance data you can trust.
The Company
Built by people who lived the old way.
Instly Technologies isn't an AI company that wandered into insurance. It's the other way round. We spent decades inside these industries — doing the work the hard way, feeling exactly where it broke — and then built the tools the work always deserved.
That's the difference you can't fake: we're not guessing at the pain. We had it. When you work with Instly, you're working with the people who built it.
- Founded
- 2024
- Registered
- Estonia
- Behind it
- Operators with 25+ years inside insurance, finance and sport
- Operating from
- Estonia · Thailand · United Kingdom · Hong Kong
- Industries live
- Insurance · Finance · Sport · Benefits · HR · Investment
- Contact
- info@instlytechnologies.com