Quote engines, policy admin, claims intake, carrier integrations. Senior engineer on subscription with fintech-grade compliance discipline. $4,999/mo.
- Scope
- Ship
- Iterate
monthly subscription
Who this is for
You're an insurtech founder, MGA operator, or corporate intrapreneur inside an insurance group. You need an MVP or ongoing product delivery with compliance discipline built in from the start — not bolted on after a regulator asks. You probably can't afford a full engineering team yet, and past contractors shipped code that won't survive due diligence.
The pain today
- No senior engineer on the team, but investors need an investor-ready demo soon
- Carrier API integrations are undocumented, inconsistent, or stuck at sandbox forever
- Previous contractor's code has no audit logs, no access controls, no encryption
- Legacy policy admin blocks every new product launch by months
- State-by-state compliance logic is hardcoded in 40 places and nobody owns it
The outcome you get
- Insurtech MVP or ongoing delivery at $4,999/mo on subscription
- Investor-ready product in 4 to 10 weeks — GigEasy shipped in 3 weeks vs the typical 10
- Carrier integrations with idempotency, retry logic, and proper sandbox separation
- Compliance baseline — audit logs, column-level encryption, role-based access — from day one
- Clean, handoff-ready codebase your next full-time hire can own without a rewrite
What separates insurtech from generic SaaS development
Insurtech web app development is not standard SaaS with an insurance theme. Three things make it distinct.
Compliance is structural, not cosmetic. In general SaaS you can retrofit audit logs and access controls six months after launch. In insurtech, state insurance departments, the FCA, and EIOPA equivalents review digital products. Audit trails, disclosure logic, and PII handling need to be part of the architecture from week one. Retrofitting them is expensive and often incomplete.
Carrier integrations are genuinely hard. APIs range from clean REST (a handful of digital-first carriers) to SOAP/XML from the 2000s (most established carriers) to email-and-PDF (small regionals). Each requires a different integration pattern. An engineer without insurance domain experience will underestimate this by a factor of three.
Product sequencing matters. Quote engine first, policy admin first, or claims first — the right answer depends entirely on who your first paying customer is and what your investors need to see. Getting this wrong burns runway on the wrong module.
Insurtech MVP or ongoing delivery at $4,999/mo on subscription
Quote engine, policy admin, or claims — how to pick your MVP scope
The most common insurtech mistake is building 30 percent of three modules instead of 100 percent of one. I've seen it end Series A pitches.
For direct-to-consumer carriers and MGAs, the quote engine is the growth lever. It is what investors can use, what customers interact with, and what generates the conversion data you need for pricing. Build it first, build it properly.
For broker-tech and wholesale-focused platforms, policy admin or commission management is the value lever. Brokers will not move data to a new system unless it handles their existing book. Build the admin layer first.
For claims-focused startups — digital TPA, parametric insurance, claims automation — claims intake is the product. Everything else is scaffolding.
I help you scope the MVP based on your first customer's actual workflow, not a feature list. One flow, end to end, working correctly, beats a roadmap in a pitch deck.
40+: Payment providers integrated.
Carrier integrations: modern APIs, SOAP, and the email-PDF tier
Every carrier integration engagement I've run breaks into three tiers based on what the carrier actually offers.
Modern REST carriers — a growing minority — get direct API integration with idempotency keys, webhook handling, and structured error handling. At bolttech, I integrated 40+ payment providers across Asia and Europe with 99.9 percent uptime. Carrier integrations follow the same discipline: no silent failures, no duplicate transactions, full observability.
Legacy SOAP/XML carriers require schema work and careful retry logic. The main failure mode is assuming a SOAP API behaves like REST under the hood. It does not. Schema validation, fault handling, and a proper abstraction layer prevent six months of production bugs.
Email-and-PDF carriers — common among small regionals — need a structured intake pipeline with human review in the loop. I build these as first-class workflows, not workarounds. OCR-based extraction where structured data is unavailable, human review queues for edge cases, and reconciliation to prevent data loss. Unglamorous work. Critical work.
For MGA and program business, the integration layer also includes appointment verification, commission calculation, and bordereau generation. These are custom per carrier relationship and need to be designed for change — carrier requirements shift.
Underwriting logic and risk rating engines
Risk rating logic is where insurtech products win or lose. A quote engine that returns a flat rate is a demo. A quote engine with actuarially sound rate tables, eligibility rules, and real-time third-party data enrichment is a product.
I build rating engines as structured, auditable rule sets — not hardcoded if/else chains that nobody can maintain. Rating tables live in the database, editable by your product team without a code deploy. Eligibility rules are versioned so you can trace exactly which ruleset priced a policy issued 18 months ago (your state regulator will ask).
For more sophisticated risk models, I integrate with third-party data providers: LexisNexis, ISO, Verisk, telematics providers, weather APIs for parametric products. The integration work is standard; what matters is designing the data pipeline so enrichment failures degrade gracefully rather than blocking a quote.
I do not build the actuarial models — that is your actuary's domain. I build the engine that runs them accurately and auditably.
Compliance baseline: what I build in from the start
At GigEasy, a Barclays and Bain Capital-backed fintech with insurance components, I shipped the MVP in 3 weeks. The typical agency benchmark for a comparable build is 10 weeks. Speed did not come from skipping compliance work — it came from building compliance into the architecture rather than treating it as a separate phase.
Audit logs on every state-changing operation. Column-level encryption on PII fields. Role-based access controls with least-privilege defaults. TLS 1.3 in transit. Structured logging with retention policies. SOC 2 readiness is a by-product, not a separate effort.
For insurtechs touching health-adjacent data, HIPAA considerations layer on top: PHI handling, BAA requirements, de-identification. I build the technical controls; your legal and compliance team handles the organizational controls.
For state-specific disclosure and rate filing requirements, the code is designed so disclosure text, coverage terms, and rate tables live in structured data — editable by your regulatory team without engineering. Every new state launch is a configuration change, not a sprint.
Pricing and what to expect on subscription
Standard plan is $4,999/mo. Pro is $5,499/mo. For MVP-phase insurtech work, Pro is usually the right choice — cadence matters more than cost at this stage, and daily async updates mean you are never more than 24 hours from knowing where things stand.
Code ownership is 100 percent yours under Work Made for Hire from the first commit. NDA is standard. 14-day money-back guarantee if you are not happy in the first two weeks. Cancel anytime after that.
I take one customer at a time by design. That is not a marketing line — it is how I maintain the quality and communication standard I stand behind. If you are evaluating this page in Q3 or Q4, check availability before building a launch plan around it.
Recent proof
A comparable engagement, delivered and documented.
Unified payment orchestration across Asia and Europe
Delivered the payment orchestration platform at bolttech, a $1B+ unicorn, with 40+ integrations across multiple regions.
Read the case studyFrequently asked questions
The questions prospects ask before they book.
Industry agencies quote 3 to 6 months for a basic MVP. My GigEasy build — a fintech platform with insurance components, backed by Barclays and Bain Capital — shipped in 3 weeks from kickoff to investor demo. The gap is not magic; it is scope discipline. A single flow built end-to-end beats three flows at 30 percent completion every time. The realistic range for a focused insurtech MVP with me is 4 to 10 weeks, depending on carrier integration complexity and regulatory scope.
Agencies charge $80,000 to $250,000+ for a comparable insurtech MVP as a fixed-price project. My subscription model starts at $4,999/mo, which is a different engagement structure — you pay monthly, retain full code ownership, and cancel when you have what you need. For a 10-week MVP build on the Pro plan at $5,499/mo, that is roughly $11,000 to $13,500 all-in. The difference funds two or three more months of iteration with a real user instead of a pitch deck.
State-by-state compliance is your regulatory team's call. What I build: the infrastructure that makes state-specific logic manageable without duplicating code. Disclosure text, coverage terms, rate tables, and eligibility rules live in structured data your regulatory team can update without engineering. For operators launching across multiple states, this matters. A poorly structured codebase means every state launch is a full sprint. A well-structured one means it is a config file and a lawyer review.
Yes — MGA tech is one of the more interesting corners of insurtech. The scope typically includes quote and bind workflows, carrier appointment verification, commission calculation, bordereau generation, and sometimes a producer portal. The integration layer is more complex than a direct carrier build because you are connecting to multiple carriers with different API maturity levels. I design the carrier abstraction layer so adding or swapping a carrier is a bounded, testable change rather than a cross-system rewrite.
Encrypted at rest with column-level encryption on sensitive fields, TLS 1.3 in transit, role-based access controls, audit logs on every read and write. For health-adjacent data, HIPAA technical controls layer on top. I built under fintech-grade compliance controls at both GigEasy and bolttech. The pattern transfers directly. SOC 2 readiness is baked in from day one — access controls, change management, audit trails — so a future audit is a review, not a scramble.
Yes. A significant portion of carrier integrations in the market are SOAP/XML or email-and-PDF based. For SOAP, I build a proper abstraction layer with schema validation and retry logic so your application code never talks directly to the SOAP interface. For email/PDF carriers, I build structured intake pipelines with OCR extraction and human review queues. Neither approach is glamorous. Both are reliable and maintainable, which is what matters when a production claim sits on the other side.
Yes. Technical diligence usually means a code review, architecture walkthrough, and security posture review by the investor's technical advisor. I prepare the artifacts they ask for: architecture decision records, security controls documentation, scalability plan, cost model, and team roadmap. The code itself is written to be readable by a senior engineer who has never seen it before — that is not a preparation step, it is the standard. Clean technical diligence has accelerated fundraising conversations by weeks on projects I have been involved with.