Core Infrastructure · Instly Engine
Every insurer is different. The output doesn't have to be.
Instly Engine turns insurer rate sheets, benefit schedules and eligibility rules into one accurate, normalised pricing API. 22 insurers. 4,550 plans. 71,400 pricing configurations. Normalised from source. Kept current.
Best for: Insurers and brokers
Instly Engine
Insurers don't have APIs. They have rate sheets — PDFs, spreadsheets, structured differently by every carrier, updated on their own schedule, sent without warning.
Most quote tools load those rate sheets once and hope they stay accurate. A few months later they're quietly wrong — not dramatically, just slightly, in ways nobody catches until someone does.
One bad quote. Trust gone.
Source in. Accurate quote out.
We build a dedicated pricing engine around each insurer's own products, rules and calculations. Every result is normalised into one common structure.
01 · Parse
Rate sheets, benefit schedules, IPIDs, policy wordings and application documents — ingested from the insurer's original source materials.
02 · Map fields
Every insurer uses different field names, structures and hierarchies. We map them all to a common schema.
03 · Apply pricing rules
Age bands, nationality tiers, residency rules, zone definitions, module combinations — all applied exactly as the insurer intends.
04 · Convert currency
Multi-currency normalisation. USD, GBP, EUR, HKD, AED and more — converted and kept current.
05 · Validate
Every configuration tested against known outputs. Errors flagged before they reach the API.
06 · Normalise
Output conforms to one common schema regardless of which insurer's data went in.
The scale of the problem we have solved.
22
Insurers structured
4,550
Plan permutations
71,400
Full pricing configurations
355,000+
Localised price points
78 marketing plans become 4,550 structural plan permutations. Add deductibles and co-insurance: 71,400 full configurations. Add currency: 355,000+ distinct pricing points. Add age, gender and residence: millions of priced quotes.
One engine. Two ways to use it.
Standalone · For insurers
Your products. Your rules. Your API.
A dedicated quoting API built exclusively around your products — for your brokers, partners, websites and internal teams.
Faster distribution · Fewer errors · Easier integration
Aggregated · For brokers
The whole market through one connection.
Connect any combination of normalised insurer engines. Compare products like for like. Apply your own recommendation logic.
Ranked using your rules — not simply the cheapest price.
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.
Not a one-time data exercise.
When an insurer changes a rate, adds a product or updates a benefit schedule — the engine is updated. Your integration does not have to change. The API contract stays the same. The data behind it stays current.
That is what makes this infrastructure rather than a data conversion project.
22 engines. Live in production.
We build new engines to order — for any insurer, any product, any market. Each engine is maintained as the insurer's products and pricing change.
Looking to modernise your quoting infrastructure?
If you are an insurer with an existing quote system that is slow, expensive to maintain or out of date the moment rates change — we should talk.
Instly Engine can replace or sit alongside your existing infrastructure, normalising your products into a clean API without disrupting your current distribution.