Insurtech software development
Carriers, MGAs and insurtech founders are held back by a policy admin system nobody wants to touch and claims that still move by email. Agnotic Technologies builds claims automation, underwriting tools, policy administration and portals that connect to the systems you already run.
Stage 1
First notice of loss
- Customer portal or agent intake
- Documents and photos attached to the claim
Stage 2
Triage
- Coverage check against the policy record
- Fraud signals scored, then reviewed by an adjuster
Stage 3
Adjudication
- Adjuster workbench with rules and limits
- Reserves and approvals logged
Stage 4
Payment
- Payment file to the carrier system
- Status back to the customer and agent
What is insurtech software development?
Insurtech software development is the design and build of custom software for carriers, MGAs, brokers and insurtech startups: claims automation, underwriting and rating tools, policy administration and customer portals. Agnotic Technologies delivers it as a services engagement, a scoping call, then a fixed-scope first release that connects to your policy, claims and data provider systems from the start.
What do we build for insurers and insurtech startups?
Six modules cover most insurance software development work. Each is built around your products and the systems of record you keep.
Claims automation software
- What it does
- Intake, document capture, coverage checks, fraud signals and an adjuster workbench, with a person making the decision
- Connects to
- Policy administration, payment systems, document processing
Underwriting and rating tools
- What it does
- Rules, rating tables and third-party data in one underwriter workbench, with every referral logged
- Connects to
- Data providers, actuarial models, agent portals
Policy admin system development
- What it does
- Quote, bind, issue, endorse, renew and cancel on a clean policy record you own
- Connects to
- Billing, claims, document generation
Agent and customer portals
- What it does
- Self-service quotes, documents, claim status and payments on web and mobile
- Connects to
- Policy administration, CRM, identity provider
Carrier and data provider integrations
- What it does
- APIs and file interfaces to carriers, MGAs, reinsurers and data providers, monitored end to end
- Connects to
- Rating APIs, clearinghouses, document services
Health plan and payer work
- What it does
- Claims, prior authorization and member apps for health insurers, with HIPAA-ready engineering
Which services and pages cover our insurance work?
Insurance sits between financial services and healthcare in our practice. These live pages go deeper on the AI agents, fintech platforms and payer work insurers ask for.
- AI agentBFSI AI agent developmentAI agents for banking, insurance and finance: risk analysis, support, document processing and compliance work.
- AI agentMedical billing fraud detection agentAn agent that flags fraud, waste and abuse in claims, with an investigator reviewing every case.
- AI agentDocument processing automationOCR and extraction that turn faxes, PDFs and scans into structured data, with human review.
- ServiceBanking chatbot developmentKYC-aware conversational AI for customer support and account help.
- IndustrySoftware development for health plans and payersPrior authorization, member apps and claims automation for health insurers.
- IndustryFinancial services software developmentFintech, banking and payments engineering from the same team.
- Financial servicesFintech app developmentMobile banking, lending, investment and payment apps.
- Financial servicesCore banking software developmentLedger, deposits, loans and payments on a modern core.
- Financial servicesAI fraud detection engine developmentReal-time fraud and risk decision engines with graph analytics.
- Financial servicesScalable fintech API platform engineeringHigh-throughput API platforms with payment integrations.
- Financial servicesDigital wallet developmentConsumer, merchant and enterprise wallets with tokenized payments.
- Financial servicesBlockchain software developmentSmart contracts, tokenization and ledger infrastructure for finance.
Should you build or buy insurtech software?
Most insurers end up with both: a configured platform for the standard parts and custom software where the product is the business. This table is how we help you draw the line.
| Area | Buy or configure a platform when | Build custom when |
|---|---|---|
| Policy administration | Your products fit a standard template and you accept the vendor's roadmap | Your rating, endorsement or product logic is the business and the platform cannot express it |
| Claims | Claim volume is low and the process is standard for your line | Claims are the customer experience, and automation with adjuster review is how you compete |
| Portals | A vendor portal matches your brand and your agents' workflow | Agents and customers need flows the vendor does not offer, on web and mobile |
| Integrations | The platform already connects to your carriers and data providers | You connect to many carriers, MGAs or data providers with different APIs |
| Data and reporting | Standard reports are enough for pricing and regulators | Pricing, reserving or regulators need your data model, not the vendor's |
| Speed to market | You must be live before any custom build could finish | You can start with one line of business and grow from a first release |
What security controls go into every insurance build?
State insurance data rules and carrier security reviews become engineering decisions: who can access what, what is logged, how data is encrypted and which agreements are signed.
- Access control
- Role-based permissions for underwriters, adjusters, agents and customers, with single sign-on and multi-factor authentication.
- Audit logging
- Who viewed or changed a policy, claim or payment, kept where users cannot edit it.
- Encryption
- Nonpublic information encrypted in transit and at rest, including documents and backups.
- Control mapping
- Controls documented against the NAIC Insurance Data Security Model Law, the NIST Cybersecurity Framework and the AICPA Trust Services Criteria, so a later audit starts from evidence rather than from scratch.
- Incident response
- Logging, alerting and a written response plan that support the 72-hour notification window in the NAIC model law.
- Third-party oversight
- Data processing agreements and security reviews for every data provider, carrier and payment service you connect to.
- Environments
- Test and demo environments use synthetic policies and claims, never customer data.
How does an insurtech engagement with Agnotic work?
One line of business and one workflow first, then the rest. No timeline is promised before the scope is written.
Scoping call
We map your products, lines of business, the systems of record and the first workflow to automate. You get a written scope.
Fixed-scope first release
One line of business and one workflow end to end, for example first notice of loss to payment, with regular demos.
Integrate and harden
Carrier, data provider and payment connections, plus the controls above, before customer data goes in.
Scale and support
New products, states and channels, with a team that stays on after launch.
Trusted by global innovators
Which rules and frameworks shape insurtech software?
Short, sourced facts we design to. Each links to the primary text.
The NAIC Insurance Data Security Model Law (MDL-668) requires each licensee to develop, implement and maintain a written information security program based on its risk assessment.
Source: NAIC Model Law 668, Section 4Under the NAIC Insurance Data Security Model Law, a licensee must notify the insurance commissioner no later than 72 hours after determining that a cybersecurity event has occurred, when the law's criteria are met.
Source: NAIC Model Law 668, Section 6The NIST Cybersecurity Framework 2.0, published in February 2024, organizes cybersecurity outcomes into six Functions: Govern, Identify, Protect, Detect, Respond and Recover.
Source: NIST Cybersecurity FrameworkNIST SP 800-218, the Secure Software Development Framework, groups secure development practices into four areas: prepare the organization, protect the software, produce well-secured software and respond to vulnerabilities.
Source: NIST SP 800-218 (SSDF)HIPAA adopts ASC X12 standards for electronic transactions, including health care claims (837), payment and remittance advice (835), eligibility inquiries (270/271) and prior authorization requests (278).
Source: 45 CFR Part 162 (eCFR)
Do you also build for health insurers?
Yes. Health plans are insurers with their own standards: claims move as ASC X12 837 transactions, prior authorization follows its own rules and member apps carry protected health information.
That work has its own page under healthcare, built by the same team with HIPAA-ready engineering from the first sprint.
What do our clients say?
We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.
“I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly.”
Aaron Phelan
Founder, Benchmark
“Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective.”
John Pasmore
Founder, Latimer
“Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together.”
Kim Smith
Founder, My Lauren