Insurers & carriers
Policy, claims, and underwriting core.
Insurance Software
Insurance Software for Policy, Claims & Underwriting
Digitize the insurance lifecycle: policy administration, claims management, underwriting automation, customer portals, and premium management, with risk assessment, fraud detection, and analytics on a compliant platform.
Policy AdminClaims ManagementUnderwritingFraud Detection
Trusted by global innovators
What is insurance software?
Insurance software is the set of systems a carrier, MGA or agency uses to run policy administration, underwriting, claims and billing, plus the portals policyholders and brokers use. Agnotic Technologies builds insurance software for insurtech founders and carrier digital teams, integrated with rating, payment and CRM systems, with state data security rules designed in.
Insurers often run policy, claims and underwriting on manual, disconnected steps. Insurance automation replaces that rekeying, insurance analytics and fraud detection speed decisions, and an insurance portal lets policyholders and brokers self-serve.
What it is
Which parts of the insurance lifecycle does it cover?
An insurance platform manages policy administration, claims, underwriting, and premiums, with customer and agent portals, risk assessment, and fraud detection.
Connected to CRM, payments, and external insurance systems, it gives insurers a compliant, automated core with analytics.
What do we build into an insurance platform?
Each capability digitizes a part of the insurance lifecycle into one compliant core.
Policy Administration
Policy administration and lifecycle management.
Claims Management Automation
Automate claims from intake to settlement.
Underwriting Automation
Automate underwriting workflows and decisions.
Customer & Agent Portals
Self-service portals for policyholders and brokers.
Premium Management
Premium calculation and management systems.
Risk Assessment
Risk assessment for pricing and underwriting.
Fraud Detection
Fraud detection integrated across claims.
Document Management & Analytics
Insurance document management and analytics dashboards.
CRM, Payments & Compliance
Insurance CRM and payment integration with regulatory compliance.
Where it runs
Who uses insurance software?
Insurance carriers, insurtechs, MGAs, insurance agencies and insurance brokers digitizing their operations.
InsurTechs
Digital-native insurance platforms.
MGAs & brokers
Quoting, policies, and portals.
Underwriting
Automated underwriting and risk.
Claims teams
Faster, fraud-aware claims.
Compliance
Regulatory compliance and audit.
Why it matters
Faster policies, smarter claims
- Digitize policy, claims, and underwriting
- Speed quoting and underwriting with automation
- Give policyholders and agents self-service
- Price accurately with risk assessment
- Cut leakage with fraud detection
- Stay compliant with audit trails
Why digitize insurance operations?
Slow quoting, manual underwriting, and clunky claims push customers to digital-first insurers. Digitizing the lifecycle keeps you competitive.
Automated
Underwriting and claims
Self-service
Customer and agent portals
Compliant
Regulatory and audit
Compliance & connectivity
Built for insurance operations
Policy AdminClaimsUnderwritingFraudComplianceCRM / Payments
Facts and sources
Which rules and standards apply to insurance software?
Facts we design insurance platforms around, each linked to its primary source.
The NAIC Insurance Data Security Model Law (#668) requires each licensee to develop, implement and maintain a comprehensive written information security program based on its own risk assessment.
Source: NAIC Insurance Data Security Model Law (#668)The same NAIC model law calls for encryption, or other appropriate protection, of nonpublic information sent over an external network and of nonpublic information stored on laptops and other portable devices.
Source: NAIC Insurance Data Security Model Law (#668)Under NAIC Model Law #668, a licensee must notify its insurance commissioner no later than 72 hours after determining that a cybersecurity event has occurred, when the model's reporting criteria are met.
Source: NAIC Insurance Data Security Model Law (#668)WCAG 2.2 became a W3C Recommendation on 12 December 2024 and sets the testable success criteria used to judge whether web content, such as a policyholder portal, is accessible.
Source: W3C Web Content Accessibility Guidelines (WCAG) 2.2
Frequently Asked Questions
Yes. It spans policy administration, underwriting, premiums, and claims, with customer and agent portals and analytics: a digital core you can adopt whole or module by module. We confirm the scope during discovery.
Yes. Underwriting workflows and claims processing are automated with rules and AI, speeding decisions while risk assessment and fraud detection keep quality and leakage in check.
Yes. It fits carriers, InsurTechs, and MGAs/brokers, with the portals, quoting, and policy management each needs. We tailor to your line of business during discovery.
We integrate insurance CRM, payment gateways, and external insurance systems via APIs so policies, payments, and data connect. We scope integrations during discovery.
It supports property and casualty, life, health, and specialty lines through a configurable product and rating engine, so premium calculations, underwriting rules, and policy forms are set up per product without custom code. We build to ACORD data standards where you exchange data with carriers, bureaus, or reinsurers, so the platform fits the wider insurance ecosystem.
Claims run from first notice of loss through triage, assignment, and adjuster workflows to settlement, with straight-through processing for simple, low-value claims and manual routing for complex ones. SIU and fraud checks flag suspicious claims for investigation, and subrogation and recovery are tracked, so leakage is controlled while genuine claims settle quickly.
It depends on how many lines of business and products you rate, which core, payment and data systems the platform must connect to, and whether policy and claims history has to be migrated. State data security requirements and the number of user roles also add work. We set the plan after a scoping call.
Yes. We scope a first release around one workflow, such as first notice of loss intake or a broker quoting portal, and agree that scope before build starts. Further modules follow once the first one is in use.
AI tools help our engineers draft code and tests, but a person reviews every change, and it passes the same automated tests and security checks as any other code. Which tools may see your code or policyholder data is agreed with you at the start.
Ready to digitize insurance operations?
Tell us about your products, processes, and systems. We'll return a plan for an insurance platform with policy, claims, underwriting, and fraud detection.
contact@agnotic.com
Partnerships
contact@agnotic.com