Instanda is an insurance software platform that provides configurable solutions for 60+ clients across 16+ countries. It allows business users to design, build, and change products, customer journeys, and documents without coding. Instanda offers a single code base in the cloud to enable scalable delivery and maintenance. It has delivered both simple and complex insurance products since 2012 via various distribution channels.

1. INSTANDA OVERVIEW
MARCH 2021

2. Client Delivery
• 60+ clients
• P&C (Commercial, Specialty,
Retail) & Life and Health
• Products across 16+ countries
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INSTANDA BUSINESS OVERVIEW
Some of our clients
Key partners:
Rapid Growth
• Founded 2012, launched 2015
• Delivered complex and simple products
as stand-alone or combined for
distribution via brokers, direct, SME’s
and Corporates
Global Delivery
• UK
• EMEA
• US
• Australia
• Asia
• South America
• Canada
Award Winning

3. Business users in control
of design, build & change
through configuration
Customer journeys, product
design, underwriting/rating and
documents all configured by
business users, without the need
for new code to be written
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A DIFFERENT APPROACH TO SOFTWARE
Flexibility: product
creation for all Insurance
types
INSTANDA is an insurance-
specific platform, enabling
delivery of P&C and Life &
Health products quickly
through dynamic design,
flexible configuration and agile
delivery
Single code base hosted
in the cloud
Core platform held as a single
code base hosted in the cloud to
enable frequent upgrades and
low cost, scalable delivery and
maintenance.
Customer solutions, designs &
data securely segregated to
protect privacy and client IP
Open platform – part of
an ecosystem
Modern APIs (REST, JSON and
Swagger, now called ‘open
APIs’) means INSTANDA can
easily be used in conjunction
with external solutions &
services.

4. Type of use include.. Product lines include…
• MGA/Wholesaler to Broker &
Customer
• Insurer to Broker portals
• D2C websites
• Broker to Customer portals
(for Q&B or just data capture)
• Insurer/MGA internal
underwriter
• Portal for sales agency/call-
centre
Areas deployed include… Distribution models include…
• Specialty
- Energy liability
- Marine cargo
• P&C specialist
- Cyber
- SME (PI/PL/EL etc)
- HNW Property & Contents
- Terrorism
• Accident & Health
• Life
- Term / WOL / Critical illness
- Endowment
• UK
• Ireland
• Spain
• Germany
• Denmark
• Canada
• USA
• Australia
• South America
• Japan
• Caribbean
• Single product, multi-currency
distributed in multi-territories
• Premium calculation and doc
generator for internal underwriter
use
• Electronic data capture form for
manual submissions to insurers
• Whitelabelled portals for individual
retailers/clients
• Distribution of same products via
public site and broker network
OUR MARKET EXPERIENCE
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DIRECT TO
CONSUMER
BANCASSURANCE/
RETAIL
BROKER/AGENT
Gadget/renters deposit/subscription
based
P&C and/or L&H products combined
Life and health – cash plan/lifestyle
and age driven
Specialty -
energy/environmental/cyber
Motor/home/commercial combined
Life and health – group life & health
Retail – digital wallet (renters’ insurance)
Bancassurance – life and health
Retail marketplace/mobile
app/ portals
Product design &
pricing
UW rules & rating Uploads & data
enrichment
Bind, payment &
docs
MTA/ endorsements/
renewal
(Self) servicing &
MI Simple claims
New Business Post Sale Servicing (Ops & Self Service)
INSTANDA OVERVIEW – AN END TO END DIGITAL PLATFORM

6. 75%
of our
months
83%
of our
clients < 6
months
95%
of our clients
< 15 months
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BUSINESS BENEFITS
Digitise - current model
• Speed, ease and range of product
(re) launches
• Processing cost reduction
• Reduced admin &
underwriter time
• Reduced IT costs & time
• Improved broker and customer
experience
Digitalisation – change the model
• Move from a pure product provider
to a customer centric solutions
provider
• Use of 3rd party data / rating
services to reduce underwriting
effort but increase
quality/consistency
• Ease and speed of integration and
data migration
Future digital insurer – re invent the model
• Full marketplaces
• P&C - everything from personal lines (e.g. travel),
to commercial specialty (e.g. energy)
• Life & health life stage insurance
• Policy costs of less than €1 (already achieved)
Client ROI
Grow
the business
Digitally
enable the
business
Class leading
business

7. Functional capabilities:
• Flexible customer journey by product by market
• Rate, price & set U/W rules by product & market
• Document engine & customer record
• Policy lifecycle management
• Claims initiation (FNOL) and STP of payment
• Reporting module (bordereaux back into
insurers)
• Data management & analytics (via ODS and
power BI)
• API Framework (e.g. callouts to insurer’s
external rating engines)
• Data (book) migration
HIGH-LEVEL FUNCTIONAL OVERVIEW
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8. Our software provides the ability to reach and convert more customers, with a unique
approach to user journeys…
ENABLED BY INSTANDA
Carrier
(inc Admin, U/W)
Broker
B2B2C
Customer
B2C
Corporate
Buyer
B2B
Product & Coverages UW
Questions
Pricing
Calculations
Business
Rules
Integrations Forms &
Documents
Email MI & Reports
Quote Buy Adjust Renew Cancel FNOL
Carrier and/or
INSTANDA
UX Designer
Carrier and/or
INSTANDA
Configurator
User:
Business
Configuration:
Sites:
Packages:
Transactions:
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CLIENT OVERVIEW
• Selected as European Insurance Platform
• All products and markets in build
• Roll out across all Business Units and European Geographies
• Selected to replace existing modern legacy platform
• Fill product rating, multi-channel distribution and administration
• Migration of existing book
• Further product creation and migration planned
Leading UK
Multi-car
carrier
Other leading
clients
• Global contract
• Product factory
• 10 product | 4 countries
• 3 products
• 2 Geographies