Underwriting infrastructure your agents can run without you in the room.
InstantInsure NG gives insurance companies a ready-to-deploy platform for issuing motor third-party and marine cargo policies — agent networks, wallets, certificates, and regulator submission, in one system.
Voucher classes, each locked to its own vehicle category — so a motorcycle unit can never issue a private motor policy.
To generate a certificate in the standard NIID format once a policy is issued by an agent.
Lines of business live today: motor third-party and marine cargo, on the same underlying platform.
Two platforms. One underwriting operation.
Deploy either line of business on its own, or run both from the same agent network and commission structure.
Motor Agency Platform
A full agent hierarchy and wallet economy for issuing Private Motor, Commercial, Motorcycle, and Tricycle third-party cover.
- Mega, super, and sub-agent hierarchy with role-based commissions
- Wallet and voucher units, vehicle-category enforced per product
- Certificate, Policy No, and Brown Card numbering handled automatically
- Direct submission to your Policy Upload & Endorsement API
Marine Insurance Platform
Policy issuance, endorsement, and commission approval for marine cargo cover, with built-in payment collection.
- Premium calculation by band, with underwriter-configurable rates
- Commission approval workflow, separate from issuance
- Card and transfer collection built in, with webhook reconciliation
- Audit log and two-factor authentication on staff accounts
What runs underneath both platforms
The same core infrastructure powers either line of business, so your team learns it once.
Agent hierarchy & commissions
Model your real network — mega-agents managing super-agents, super-agents managing sub-agents — with commission rates the admin sets and can override per agent.
Wallet & voucher economy
Agents purchase unit vouchers to fund policy issuance, with category locks that stop a low-value unit from issuing a higher-value policy.
Instant certificates
Certificate No, Policy No, and Brown Card numbers generate the moment a policy is issued — no manual document assembly.
Regulator API sync
Every issuance and endorsement is logged and submitted to your policy API automatically, with retries on failure.
Deployed for your brand
Each underwriter gets a dedicated instance under their own domain, with their own database, branding, and admin accounts.
From contract to first policy
Most underwriters are issuing live policies within two weeks of sign-off.
We deploy your instance
Your own database, domain, and admin account, configured for the lines of business you're launching.
You set up products & agents
Define voucher types, unit pricing, and commission rates, then onboard your mega- and super-agents.
Agents start issuing
Sub-agents and staff redeem vouchers and issue policies directly, with certificates generated on the spot.
Everything reconciles
Commissions, wallet ledgers, and regulator submissions stay in sync without manual bookkeeping.
Not a demo. This is what's already issuing policies.
What you'd be evaluating is the same platform currently running live motor third-party and marine cargo issuance — the same agent hierarchy, the same wallet system, the same certificate generation your agents would use on day one.
Request a quote
Tell us about your underwriting volume and which lines of business you're looking to launch. We'll come back with pricing and a suggested rollout timeline.