Insurance & Insurtech
Quote, issue, renew and settle without the spreadsheets in between.
EIT Connect is an insurance software development company for brokers, corporate agents, POSP networks, TPAs, insurtech startups and insurers' digital teams. We build quoting and policy management platforms, claims workflows, insurance CRMs, agent and customer apps, and the integrations that connect them to insurer systems and India's insurance infrastructure.
Most insurance teams we talk to aren't short of software. They're short of software that talks to each other: quotes in one portal, policies in an insurer's system, renewals in a spreadsheet, and commissions reconciled by hand every month. Our insurance software development replaces those handoffs with one connected flow, from first quote to claim settlement.
What We Build
Our insurance software development services cover the full policy lifecycle: quote, proposal, issuance, endorsements, renewals and claims, plus the CRM, payout and reporting layers distributors depend on. Start with the module that costs you most today, or plan a connected platform in phases.
Quote and compare across insurers, digital proposal forms, underwriting rules and referrals, policy issuance, endorsements, cancellations and renewals. Our policy management software development keeps every policy, document and premium in one place, whether you're an insurer launching a product or a broker selling for twenty of them.
Claim intake from app, web or call centre, document collection, surveyor and investigator assignment, cashless pre-authorisation, reserve tracking, approvals and settlement. Our claims management software development gives every claim a clear owner and status, so customers stop calling to ask what happened to their claim.
Leads from campaigns, partners and walk-ins; follow-up tasks; quotes and proposals; renewal pipelines; and customer history in one view. Our insurance CRM development is built around insurance sales cycles: renewal reminders that start 45 days out, cross-sell prompts when a motor customer has no health cover, and a full record when someone calls about a claim.
For brokers, corporate agents and POSP networks. Our insurance agency software development covers agent onboarding and certification tracking, hierarchies, lead allocation, multi-insurer quoting, commission rules by insurer, product and level, payout statements and reconciliation against insurer statements. Payout disputes go down when everyone sees the same numbers.
Rules engines for underwriting and referrals, pricing models, and fraud signals such as duplicate claims, suspicious documents and unusual claim patterns. Our data analytics and AI development teams build these on your own policy and claims history, with human review kept in the loop for every decision that affects a customer.
Many insurance systems still run on decade-old platforms that are risky to touch. Through application modernization, we move one module at a time onto modern services that run alongside the old system until the switch is safe. Our application integration team connects insurer APIs, payment gateways, KYC providers, accounting systems and document storage.
Apps
Customers judge an insurer or broker by the app they use at renewal time and on the worst day of their year, when they need to claim. Our insurance app development team builds Android, iOS and cross-platform apps connected to the same backend as your policy and claims systems. Platform choices and approach are covered on our mobile app development page.
Typical features:
Quotes on the spot, proposal capture with document photos, e-KYC through licensed partners, payment links, lead and renewal lists, and a live view of earned and pending commission.
Assigned inspections, guided photo capture, damage notes, geotags and report submission from the site, so motor and property claims move without paperwork in transit.
Who We Serve
Large insurers usually run core systems from a handful of global vendors. We work with the businesses around them, and with insurers' digital teams building what those core systems don't cover.
Multi-insurer quoting, comparison journeys, policy servicing, renewals and payout reconciliation across every insurer you work with.
Insurance journeys inside your banking, NBFC or retail customer flows, with lead handoff, issuance tracking and partner-level reporting.
Onboarding, certification tracking, hierarchy management and payouts for hundreds or thousands of agents, without a monthly spreadsheet marathon.
Pre-authorisation, claim adjudication workflows, hospital network management and insurer reporting for health claims. For the hospital side, see our healthcare software solutions.
Our insurtech software development helps founders launch embedded insurance, comparison platforms or niche products quickly, starting with an MVP and scaling once the model works. Startups without an in-house tech lead can pair this with our CTO as a Service.
Customer portals, agent apps, claims front-ends and analytics built around your core system rather than replacing it.
Challenges
Every insurance software project we take on starts with a cost leak or a lost renewal, not a feature list. These are the ones we see most.
Policies lapse because reminders went out late or not at all
What we build Automated renewal pipelines, reminders and one-tap renewal
Agents and partners question payouts every month
What we build Rule-based commission engines and statement reconciliation
Customers chase status by phone; documents go back and forth
What we build Digital claim intake, task routing and live status tracking
The same customer data typed into several insurer portals
What we build Single proposal capture with insurer API integration
Duplicate or inflated claims slip through manual checks
What we build Fraud rules, document checks and analytics flags
Every product change needs a vendor and a long change request
What we build Phased modernisation behind stable APIs
Build or Buy
Ready-made insurance platforms suit standard workflows. Here is how the two options usually compare.
| Factor | Off-the-shelf insurance platform | Custom insurance software |
|---|---|---|
| Best fit | Standard products and simple distribution | Multi-insurer distribution, unusual commission rules, new products or many integrations |
| Time to start | Faster | Longer upfront; an MVP shortens the wait |
| Upfront cost | Lower | Higher |
| Ongoing cost | Per-user, per-policy or per-module fees | Hosting and support; no per-policy licence |
| Fit with your processes | You adapt to the product | The software adapts to how you sell and service |
| Integrations | Limited to the vendor's connectors | Built around your insurers, CRM, payments and accounting |
| Ownership | Vendor owns the roadmap and data format | You own the code and the data |
A hybrid is often the best value: keep the core system you already pay for and build custom portals, apps, CRM and integrations around it. That's the same thinking behind our custom software development work in every industry.
Built for India
Indian insurance runs on regulators, registries and exchanges most global vendors never deal with. We design for them from the start:
Product, distribution and disclosure requirements reflected in journeys, documents and audit trails
Systems structured so you can connect to IRDAI's insurance marketplace as it rolls out in phases
Digital issuance and links with insurance repositories
Standardised health claim data exchange between insurers, TPAs and hospitals
Identity checks through licensed KYC partners, with records kept for reuse
Access controls, logging, consent records and secure storage built in through our DevSecOps practice
We build the controls and integrations; your compliance team confirms which requirements apply to your licence category.
Technologies
PostgreSQL
MongoDB
AWS
Google Cloud
Systems we connect: insurer quoting and issuance APIs, payment gateways and UPI, KYC and CKYC providers, e-signing, document storage, SMS, email and WhatsApp messaging, vehicle registration lookups for motor quotes, and accounting software.
Automated reminders and one-tap renewal catch the policies that used to lapse quietly.
One proposal captured once and sent to every insurer cuts days from the sales cycle.
When commission rules live in the system, agents trust the statement and your finance team stops rebuilding it every month.
Premiums, renewals, claims ratios and partner performance come from live data, not month-end exports.
How We Work
Insurance software development touches money, health and regulation, so our process puts checks in early.
We map your products, insurers, channels and the rules that apply to your licence category.
Every step from quote to claim, every handoff and every place data is re-typed.
Clickable agent, customer and operations screens tested before the build starts. Our UI/UX design team leads this stage.
Regular demos, with insurer, payment and KYC integrations built against sandboxes early.
Renewals, endorsements, claims and commission runs tested end to end, alongside security checks.
One product line, branch or partner at a time, with old and new systems running side by side where needed.
Monitoring, fixes and new features under a support plan, guided by the data the platform now collects.
Why EIT Connect
Products, insurers, channels and commission rules come first. Code comes after we understand how you actually make money.
We extend and connect the systems you already rely on instead of pushing a risky rip-and-replace.
No per-policy licence and no lock-in. The source code, documentation and customer data are yours.
Sprint demos, a shared roadmap and one point of contact. You always know what's built, what's next and what it costs.
Insurance software development is building the systems insurers and intermediaries use to quote, sell, issue, service and settle policies. It covers policy management, claims, CRM, agent and commission tools, customer and agent apps, analytics, and integrations with insurers, payment and KYC providers.
We build policy management platforms, claims management systems, insurance CRMs, agency and POSP management software with commission engines, customer and agent apps, surveyor apps, underwriting and fraud analytics, and integrations with insurer systems.
Cost depends on the modules you need, how many insurers and systems must be integrated, the apps and user types involved, and compliance requirements. A single module such as a renewal CRM or agent app costs far less than a connected policy, claims and payout platform. We share a fixed estimate after a short discovery call.
A focused module or app usually takes a few months, including testing with real scenarios. Larger platforms roll out in phases, one product line or partner at a time. You get a timeline for your scope after discovery.
Yes. Most of our insurance work connects to systems already in place, including insurer quoting and issuance APIs, CRMs, payment gateways, KYC providers and accounting software. Where a system has no API, we build a safe integration layer around it.
Yes. Our insurance app development covers customer self-service apps, agent and POSP apps, and surveyor apps for Android, iOS and cross-platform, all connected to the same backend as your policy and claims systems.
Yes. Commission rules by insurer, product, agent level and channel are set up once in the system. Statements generate automatically and can be reconciled against insurer payout files, so disputes are easier to resolve.
We structure platforms so they can connect to Bima Sugam as IRDAI rolls it out in phases, keeping policy and customer data in formats that are easy to share through approved APIs. Exact integration depends on the specifications released for your category of participant.
Look for a team that asks about your products, insurers and commission rules in the first call, can show integration work similar to yours, understands IRDAI and data-protection requirements, rolls out in phases with parallel testing, and hands you full code ownership with post-launch support. Ask us the same questions.
Tell us where policies, renewals, claims or payouts get stuck today. We'll map the systems involved, recommend whether to integrate, extend or rebuild, and give you a phased plan with clear costs.
Node.js
Python
ReactJS
Flutter
