The PDF Drop-off
Users abandon the application when they realize they have to download, print, and sign a physical proposal form.
Quoting Engines
Conversion & Pricing
Frictionless quoting and underwriting.
We engineer dynamic quoting engines that integrate with complex rating APIs, allowing customers to build customized policies and purchase cover instantly.
- Custom React-based application flows that eliminate the need for downloading and printing PDF proposal forms
- Dynamic logic that adapts the question set based on the specific risk or the applicant's previous answers
- Live API integrations with your rating engine to instantly calculate premiums based on real-time data lookups (e.g., property data)
Clunky quoting destroys direct acquisition.
Insurers spend thousands on marketing only to force users into a quoting engine that looks like a digitized tax return. When the form is slow, asks irrelevant questions (like asking a tenant about roof materials), or fails to save progress, the customer abandons the process.
Question Fatigue
The legacy form asks 40 generic questions instead of dynamically filtering based on the risk profile, causing frustration on mobile.
Manual Underwriting Delays
Policies take days to issue because underwriters have to manually review clean risks that should have been straight-through processed.
The deliverables
Automated premium conversion.
We engineer quoting flows that handle complex underwriting rules while remaining beautiful and frictionless.
Custom Quoting Frontends
Building bespoke React flows that guide the user step-by-step, validating data and fetching real-time prices.
Rating Engine API Middleware
Developing secure Node.js layers that connect the web frontend directly to complex rating models (like Guidewire or proprietary APIs).
Dynamic Question Logic
Building rules engines that skip irrelevant sections (e.g., hiding 'Pool Fencing' if the user selected 'Apartment').
Payment & Policy Generation
Integrating Stripe for instant binding and dynamically generating the personalized PDF policy schedule for download.
Featured Insurtech Platform
Transforming the quote journey.
See how we helped a specialty MGA replace their massive PDF application with a dynamic React quoting engine, cutting the time to bind a policy from 3 days to 4 minutes and increasing direct-to-consumer sales by 60%.
InsurtechQuoting Engines
Project Overview
Frictionless digital binding.
We developed a secure quoting flow that asks dynamic questions based on previous answers, pings a third-party rating API in real-time, and generates a bindable quote and digital policy document instantly upon credit card payment.
Frequently Asked Questions
Common questions about insurtech.
How do you integrate with complex rating or underwriting engines?
We build API middleware that connects the frontend quoting flow directly to your rating engine (like Duck Creek, Guidewire, or proprietary Excel-based APIs), pulling live premiums without exposing the underlying logic to the web.
Can you handle dynamic question sets?
Yes. We build intelligent forms using React state management. If a user selects 'Yes' to owning a swimming pool, the form instantly expands to ask about fencing and diving boards, keeping the initial interface clean and uncluttered.
Do you build broker portals as well as direct-to-consumer?
Absolutely. We build specialized B2B portals where brokers can manage a portfolio of clients, clone past quotes for faster renewals, and securely upload complex risk assessment documents directly to the underwriter.
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Modernize your insurance
and underwriting operations.
From dynamic quoting engines to seamless digital claims workflows and secure broker portals, we build software that drives premium growth and reduces operational costs.
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