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Insurance platform

Digital insurance, from quote to claim.

A customer app, an agent and broker portal and policy administration covering products, rating rules, quotes, issuance, renewals, payments and claims, for licensed insurers, brokers and insurtechs.

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  • ISO 9001 certified
  • iOS, Android and web
  • Launched under your brand
Illustrative admin dashboard of the insurance software Illustrative customer app screen Illustrative app screen
Illustrative interface. Branded and configured for each client.

Live product tour

Watch the whole flow, end to end.

One real journey across 3 roles. It plays on its own; tap any step or role to explore.

Illustrative customer screen: Get a quote
Customer · Step 1 of 6 Get a quote The customer enters car details and sees prices instantly.
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Illustrative screens with sample data. Your platform carries your own brand.

In short

What is insurance software?

Insurance software digitises the policy lifecycle: customers get quotes and buy policies online, agents and brokers sell and service clients, and insurers configure products, rating rules, renewals and claims. Appsums builds and configures it for licensed insurers, brokers and insurtech companies, integrated with core systems and payment providers.

Apps included
Customer app, agent portal, policy administration
Lines
Motor, health, travel, home and more
Lifecycle
Quote, issue, renew, claim
Platforms
iOS, Android and web
Demo
Free, live walkthrough

Business challenges

The problems it solves, and how.

What holds insurance software businesses back today, and what changes when you run on this platform.

  1. 01

    The challenge

    Quotes take days

    Underwriters re-key details from forms and emails.

    How the platform solves it

    Instant online quotes from configurable rating rules.

  2. 02

    The challenge

    Renewals are missed

    Customers lapse because nobody reminded them.

    How the platform solves it

    Automatic renewal offers, reminders and one-tap payment.

  3. 03

    The challenge

    Claims frustrate customers

    Paper forms and no visibility of progress.

    How the platform solves it

    Digital claims with photos, documents and live status updates.

  4. 04

    The challenge

    Agents work from spreadsheets

    No single view of clients, policies and commissions.

    How the platform solves it

    An agent portal with quoting, issuance, client records and commissions.

  5. 05

    The challenge

    New products take months

    Every change needs core-system development.

    How the platform solves it

    A product configurator for coverages, rating factors and documents.

The platform

Every app you need, on one platform.

Every user gets an app made for their job, all running on the same backend, data and rules.

  • Customer app

    iOS, Android and web

    Get quotes, buy policies, renew, pay and file claims.

    • Instant quotes
    • Buy and pay online
    • Digital policy documents
    • Renewals
    • Claims with photos
    • Support chat

  • Agent and broker portal

    Web and tablet

    Quote, issue and manage client policies and commissions.

    • Quote and compare
    • Issue policies
    • Client records
    • Renewal pipeline
    • Commissions
    • Document generation

  • Policy administration

    Web

    Products, rating rules, underwriting, claims and reports.

    • Product configurator
    • Rating rules
    • Underwriting referrals
    • Claims handling
    • Payments and refunds
    • Reports

Illustrative screens. See every app working together in the live tour.

Features

Everything you need to run and grow.

Built-in features across the whole platform. Anything missing for your market, our engineers add.

  • Products

    • Coverage and add-on builder
    • Rating factors
    • Document templates
    • Product versions
    • Multi-line support

  • Sales

    • Instant quotes
    • Comparison
    • Online purchase
    • Agent and broker channels
    • Embedded insurance APIs

  • Policy servicing

    • Endorsements
    • Renewals
    • Cancellations and refunds
    • Instalments
    • Certificates

  • Claims

    • First notice of loss
    • Photos and documents
    • Assessor workflows
    • Approvals
    • Payouts

  • Compliance

    • Audit trail
    • Maker-checker approvals
    • Data retention
    • Consent records
    • Regulator reports

  • Reports

    • Premiums by product and channel
    • Loss ratio
    • Renewal rate
    • Claims turnaround
    • Agent performance

Solution architecture

Enterprise architecture, built to scale.

A modular, API-first platform: each layer scales on its own, and new apps, markets or partners plug in without a rebuild.

  • Modular servicesScale busy parts like ordering or payments independently
  • API-firstDocumented APIs for partners, POS, ERP and new channels
  • Secure by designEncryption, role-based access and full audit logs
  • Your cloud, your regionDeploy where your data rules require
  1. Channels
    • Customer apps for iOS and Android
    • Web
    • Agent and broker portal
    • Partner APIs
  2. Experience APIs
    • Quotes
    • Purchase
    • Policies
    • Claims
    • Payments
    • Notifications
  3. Core services
    • Product configurator
    • Rating engine
    • Policy administration
    • Claims
    • Billing
  4. Data and analytics
    • Policy database
    • Document store
    • Reporting warehouse
  5. Integrations
    • Core insurance systems
    • Payment gateways
    • Vehicle and identity data
    • Reinsurers
  6. Cloud and security
    • Encrypted storage
    • Role-based access
    • Audit logs
    • In-region hosting

Technology and integrations

Proven technology, ready-made connections.

Popular, well-supported technology that is easy to scale and hire for, connected to the payment, maps and messaging partners your market uses.

Technology stack

Mobile apps
FlutterKotlinSwift
Web and admin
ReactNext.jsTypeScript
Backend
JavaSpring BootNode.js
Data
PostgreSQLRedisKafka
Cloud
AWSGoogle CloudDockerKubernetes
Documents
PDF generatione-signature

Integrations

Core systems
Existing policy and claims systems through APIs
Payments
Card gatewaysBank transfersInstalment providers
Data
Vehicle registriesIdentity and credit checks where permitted
Documents
E-signaturePDF generationEmail and SMS
Partners
BanksCar dealers and travel sites through embedded APIs

Make it yours

Your business model, your configuration.

Choose how you earn, then set the platform up for your brand, market and rules, without custom code for the basics.

Ways to earn

  • Direct digital sales

    Sell policies online without broker commission.

  • Agent and broker networks

    Commission-based distribution through your portal.

  • Embedded insurance

    Partners sell your products at their checkout.

  • Renewals and cross-sell

    Higher retention and add-on products.

  • Platform licensing

    Brokers license the platform for their own clients.

What you can configure

  • Your brand, colours, app name and store listings
  • Products, coverages and add-ons
  • Rating factors and underwriting rules
  • Document templates and wording
  • Agent, broker and commission structures
  • Languages, including Arabic right-to-left
  • Currencies, taxes and payment methods
  • Claims workflows and approval limits
  • Custom features, AI and integrations on request

Launch path

From demo to launch, step by step.

One accountable team takes you from the first demo to a live, supported platform.

Book a free demo
  1. 1

    Free demo

    See the customer, agent and administration apps working end to end.

  2. 2

    Plan and scope

    Agree products, markets, integrations and branding.

  3. 3

    Brand and configure

    Your brand, rules, pricing and languages.

  4. 4

    Integrate and test

    Core systems, payments and documents connected and tested on real devices.

  5. 5

    Launch

    Apps published to your App Store and Google Play accounts.

  6. 6

    Grow

    New markets, features and support from the same team.

Who it is for

Built for businesses like yours.

The same platform, set up differently for each kind of operator.

  • Insurers

    Sell and service policies digitally.

  • Brokers

    Quote and manage clients across insurers.

  • Insurtech startups

    Launch new products on a ready-built core.

  • Banks and lenders

    Offer bancassurance at the point of sale.

  • Car dealers and travel companies

    Embed insurance in your checkout.

Why Appsums

Engineered by a team that stays after launch.

The same engineers who configure your platform monitor it, support it and add new features as your business grows, under an ISO 9001 certified process.

Book a free demoSee our work
15+
years in IT
8+
years as Appsums
100+
clients
25
countries

Client projects

Built on this platform, live with clients.

Products we have delivered with this solution and its patterns. All related work

FW FWDBanking, fintech & insurance FWD: insurance website Insurance website for FWD. Insurance Software Development View project

Client voice

What our clients say.

In their own words, from the founders and leaders we build for. All reviews

  • The developers at Appsums did 8 apps for our company so far all published by GooglePlay and the App Store. They are committed, diligent, cost-effective and deliver results quickly. They fix bugs with relentless efficiency and I would highly recommend them if you need an app or website to be custom built.

    Dr Richard McMahon Dr Richard McMahonCEO / Founder, SwiftDoc Pty Ltd

  • Azad & his co-worker, I found them most technical and prompt in giving solutions to my requirements. They have all guts to go beyond what you think and bring to them. I would definitely recommend this team to go with it.

    Ryan Kuriakose Ryan KuriakoseCEO / Founder, Orphidia

  • The team delivered beyond my expectation as in the early stages I was little hesitant in choosing this small team for Video Streaming project, but team at appsums proved me wrong by all means. I would simply recommend Appsums to any.

    Zaid Sameer Zaid SameerCEO / Founder, Zee Media

  • We required a complex set of apps to be published in the App Store and Google PlayStore for clients to use worldwide. The apps must talk to a central database and rely on numerous APIs and custom coding which all works seamlessly. The team are very experienced with years of post Graduate experience in computer science and programming. The simple fact is that they deliver and we would not hesitate to use them again for any app coding, web design, SEO, API development, app publishing, debugging, website design and cloud computing, cloud servers, SSL functions, database management and on-going IT support. It is a rare thing indeed to find a company that is as dedicated to your success as the team at Appsums.

    Hannah Elman Hannah ElmanCFO, SwiftLaw Pty Ltd

  • My experience with AppSums has been from the beginning extremely trustful and transparent, which I think is the key factor when you are outsourcing the development of a product overseas.

    Alberto Martin Alberto MartinManaging Director, Quiero Inc

  • I contacted the Appsums team a couple of months ago through LinkedIn. I asked them to create and take care of my professional website in UAE. Mr. Azad immediately proved to be competent and available. I definitely recommend Appsums and Mr. Azad to my Colleagues and friends!

    Dr Sergio Velanti Dr Sergio VelantiMD | CEODubai, UAE

  • Working with Appsums technology has been a wonderful experience. They went above and beyond to transform a concept into a reality. We asked them for the world, and they gave us a whole universe.

    Sophie Solimini Sophie SoliminiCEO / FounderToronto, Canada

  • Working with Appsums has been one great experience. They are great in understanding the requirements but what is more important team is very flexible in implementing feedback and doing iteration loops.!

    Ivan Andabak Ivan AndabakCEO / Co-FounderZagreb, Croatia

  • We have provided Appsums a very tight timeline to build an App for our Company and their team exceeded our expectations. They completed my dream Project Couture Singapore in very less time.

    Kia Lim Kia LimCEO / Founder, Couture Singapore

  • We’ve been working with them for over 2 years now and we couldn’t be happier with the extreme value they’ve brought to us. Azad and Hashim were by our side throughout all the steps of our Patients Education Mobile App development from beginning discovery phase to screens designs to implementing processes and features, making sure everything was how we intended it every step of the way. They are true Business PARTNERS.

    Danish Khan Danish KhanZonal Account Manager, Novo Nordisk

  • I have been connected with the team for a few years and my experience has been really good. I have worked on several projects with the team and every time Azad and his team exceed my expectations. They work great because they share everything transparently and there are never any surprises for me. I continue to work with them on several other projects.

    Ankur Bhardwaj Ankur BhardwajCEO / Founder, Flexus Solutions, LLC

  • I had a product was developed in bad way and I almost lost it but then AppSums team took it over and fixed everything and we are almost finished, my product will see the lights soon inshallah because of them

    Areej Alyousef Areej AlyousefBusiness Demand Manager, Mobily & stcPay

Long-term partnerships

Work such as Thara Profintech's investment platform in Kuwait continues as an ongoing engineering partnership, release after release.

Clients across regions

Delivery for clients in the GCC, Africa, Asia, Europe and North America.

References on request

During evaluation we arrange conversations with clients in similar sectors.

Security and trust

Security, privacy and IP built into how we work.

Security by design

  • Secure architecture and code reviews
  • Encryption in transit and at rest
  • Vulnerability checks before release
  • Dependencies kept up to date

Data protection

  • Least-privilege, role-based access
  • Separate test and live environments
  • Hosting in the region you choose
  • Credentials handed back at the end

Contracts and IP

  • NDA signed before detailed talks
  • You own all code, designs and data
  • Clear scope and statements of work
  • Confidentiality for every team member

Quality and governance

  • ISO 9001 certified quality management
  • Documented, audited processes
  • Progress and risk reports every sprint
  • Release checklists and sign-off
ISO9001

ISO 9001 certified. Quality you can rely on.

Our quality management system is independently certified, so every project follows documented, audited processes from kick-off to support.

Related solutions

Explore related solutions.

Platforms that are often combined with, or built alongside, the insurance software. All solutions

FAQs

Frequently asked questions.

Anything else about the insurance software? Ask us directly. A real engineer reads every message.

Ask a question
Do you provide the insurance licence?

No. You or your insurance partner hold the licence; we build and run the technology.

Which lines of insurance are supported?

Motor, health, travel, home, life and more, configured through the product builder.

Can it connect to our core insurance system?

Yes. We integrate with existing policy and claims systems through APIs.

How do online quotes work?

Rating rules calculate the premium from the customer's answers, with referrals to underwriters when needed.

Can customers file claims in the app?

Yes. Customers file claims with photos and documents and follow the status in real time.

Does it support agents and brokers?

Yes. A dedicated portal covers quoting, issuance, client records and commissions.

How is data protected?

Encryption, role-based access, audit logs and hosting in the region you require.

Does it support Arabic?

Yes. Arabic right-to-left, multiple languages and currencies are supported.

Will the apps be under our brand?

Yes. They carry your name and branding and are published on your own app store accounts.

How much does it cost?

It depends on apps, markets and integrations. After the demo we share a clear proposal with options to fit your plans.

See the insurance software in action.

Book a free live demo. We will walk you through every app, discuss your market and share a clear launch plan.

Book a free demo

Or email azad@appsums.com

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