Turnkey InsurTech Platform Development

To develop a comprehensive, plug-and-play InsurTech platform that enables:

* End-to-end insurance product management
* Real-time quote comparison across insurers
* Seamless KYC onboarding and verification
* Digital policy issuance and administration
* Customer and partner self-service portals
* Regulatory compliance with local and international standards
* Scalable APIs for integration with insurers, aggregators, payment platforms, and data providers

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### **Scope of Work**

#### 1. Multi-Product Insurance Support

* Motor Insurance (Private, Commercial, PSV)
* Medical Insurance (Individual, Family, Corporate)
* Life Insurance (Term Life, Whole Life, Group Life, Last Expense)
* General Insurance (Home, Travel, Fire, WIBA, Cyber, Marine, etc.)

#### 2. Price Comparison Engine

* Aggregation of quotes from multiple underwriters
* Real-time premium calculations based on risk variables
* Advanced filters (coverage, insurer rating, price, turnaround time)
* Smart recommendation engine

#### 3. Customer and Agent Portals

* Customer self-service portal for quotes, purchases, renewals, claims, and policy tracking
* Agent/Broker portal with lead tracking, commission dashboards, and CRM tools
* Administrative dashboard for platform oversight, analytics, and reporting

#### 4. Policy Issuance and Document Management

* Instant policy generation with digital signatures
* Policy amendments and endorsements module
* Automated document delivery to clients and insurer systems
* Centralized document storage and version tracking

#### 5. KYC and Onboarding

* Real-time ID verification (e.g., eCitizen, Huduma, NTSA, CRB)
* Document uploads and OCR (e.g., logbook, ID, certificates)
* Risk profiling and smart onboarding workflows

#### 6. Payments and Collections

* M-Pesa STK Push integration
* Credit/debit card and bank transfer options
* Premium financing option (BNPL module)
* Auto-receipting and reconciliation engine

#### 7. Claims Management Module

* First Notification of Loss (FNOL) system
* Document submission and claims progress tracking
* Admin claims dashboard and SLA monitoring
* Client notifications (SMS/email) on claim updates

#### 8. Regulatory Compliance and Reporting

* IRA and Data Protection Act compliance
* Full audit logs and data activity records
* Customer consent tracking and document management
* API submission to regulator (where required)

#### 9. Technology Requirements

* Cloud-based architecture (e.g., AWS, Azure)
* Modular, microservices-based backend
* RESTful APIs for all integrations (insurers, credit bureaus, etc.)
* Mobile-first responsive front-end

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### **Deliverables**

* Fully functional web and mobile platform
* Agent, client, and admin interfaces
* Open API documentation
* Full source code and technical documentation
* System deployment and hosting support
* Staff onboarding and training resources
* Three months of post-launch support and bug resolution

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### **Proposed Timeline**

Estimated implementation: 4–6 months
Phased delivery including discovery, UI/UX, development, testing, go-live, and support

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### **Optional Add-ons**

* WhatsApp chatbot for customer support and lead generation
* AI-powered pricing or underwriting assistant
* Rewards/referral engine
* Integration with contact center, ERP, or CRM software

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