Underwrite on a clean, reconciled platform.
Every policy that reaches your book arrives on a trail you can audit, kept separate to your own view, with premiums matched to sales as they happen. You see the data before you put capital behind the risk, not after.
One book, from the rules that govern it to the period that closes on it
The data is clean before the terms are signed.
For an insurer, the platform's job is to make the book checkable. It does that in three ways, and you can inspect each one before you underwrite a single policy.
Audit-clean data posture
Every action sits on an audit trail, kept separate by insurer, broker, and channel. What sold, through whom, on what terms, and at what premium is recorded as it happens, rather than pieced together from statements after the fact.
Reconciliation posture
Premiums are matched to sales continuously and each period closes in real time, so your book stays balanced rather than reconciled at month-end. Because the numbers are checkable as they land, any outcome-based or commission term can be verified against real data.
Compliance posture
The platform is built on open insurance standards, with a version adapted to each country's rules and aligned to where regional regulation is heading. Where data is stored, and how each country's rules are met, is handled by the platform, with the full detail on request.
Distribution already running, across three markets.
What reaches a carrier here is cover already being sold, through channels already live, on a panel that spreads the book by design rather than concentrating it.
Green SM sells trip, food delivery, and express delivery cover inside its app across Vietnam, Indonesia, and the Philippines, and every policy is routed to a carrier by quota caps and allocation rules. PVI underwrites in Vietnam; regional carriers including Oona underwrite across Indonesia and the Philippines. Premiums are matched to sales as they land and each period closes on the same trail a carrier audits.
A book already running, already reconciled, already spread across a panel.
One adapter, then the book runs itself.
The three above are what you inspect. This is what it takes to get there.
One carrier adapter
01Your systems connect through a single carrier-API adapter, normalised against open standards, so onboarding is measured in days rather than a multi-month build.
Channels attach to you
02New distribution channels connect to the platform, not to you. A channel added after you go live reaches your book without another integration on your side.
You set the appetite
03Quota caps and allocation rules decide what reaches you and at what share, so exposure grows on terms you set rather than on whatever volume arrives.
How the economics work
The numbers come before the terms.
Rates and structures are set per carrier in the commercial conversation. What is fixed is the order: data review, audit rights, reconciliation, then terms.
From data review to first policy.
We start with the data and the reconciliation, before any commercial conversation.
Review the data.
01We show you the audit trail and how the books reconcile first, so you can see how a book would look on the platform before anything is signed.
Confirm audit rights.
02Audit rights over policy sales and the reconciliation infrastructure are established before commercial terms. This is a standing discipline, not a negotiation tactic.
Integrate the systems.
03One adapter, normalised to open standards, connecting your underwriting and your settlement systems to the platform and the book.
Underwrite live.
04Put your capital behind sales that reconcile continuously, on terms that rest on data you can verify for yourself, line by line.
See the book before underwriting it.
Tell us what you underwrite today, and we will show you what a clean, reconciled book looks like on InsureFlow.
Distribution partners · How we partner
Running claims as well as writing risk: ClaimFlow · the platform architecture