Tap into leading distribution channels to drive premium growth.
uBind gives carriers a complete distribution stack — direct, broker, embedded and affinity — with a built-in rating engine, per-partner configuration and an open API to your existing core systems. Launch products in weeks instead of years. Grow premium without rebuilding your back office.
Trusted by teams at
Four reasons insurers pick uBind.
Each capability is a complete product on its own. Stitched together, they’re the engine behind every modern carrier’s distribution strategy.
Launch products fast
Spin up a fully digital quote-to-bind journey for any product line in weeks, not quarters. Configuration model — no rebuild required, no IT bottleneck.
- 60-day averageDrive premium growth
Quote journeys engineered to reduce abandonment — sub-300ms rating, smart defaults, live premium updates. Brokers love the workflow; customers love the experience.
- 42% bind rateOpen API connectivity
Plug uBind into your existing PAS, claims and accounting via REST and webhooks. Use your own rating engine if you prefer — real-time, idempotent, two-way data flows.
- OpenAPI v3Every channel, one stack
Direct portals. Broker networks with self-managed logins. Embedded insurance via SDK. Affinity and association schemes. Branded per partner — same product, same back-end.
- 4 channels liveYour roadmap takes years.
The market won’t wait.
Carriers losing share quarter-on-quarter aren’t losing it to better underwriting. They’re losing it to faster distribution. Here’s the gap — and how uBind closes it.
18 months to ship. PDF quotes. Spreadsheet binders.
- 12–18 month build cycles for every new product launch
- PDF rate sheets emailed to brokers. Re-keying every quote.
- Separate portal builds for direct, broker, embedded — three codebases.
- Compliance bolted on after launch, not engineered in from day one.
- Pricing changes need an actuary, a developer, a release window.
Six weeks. Live rating. Every channel from one platform.
- AI product builder — prompt and refine rates, rules and documents in real time
- Built-in rating engine returns premiums under 300ms at p95
- Direct, broker, embedded, affinity — one product, four channels
- ISO 27001, PCI-DSS, CPS-234 baked in. Audit log on every transaction.
Four distribution channels.
One platform.
Most carriers buy a separate tool for each distribution surface. With uBind you don’t have to. Same product configuration, same rating engine, same audit log — distributed four different ways.
Customer-facing portal, branded as you.
A fully white-label quote-to-bind journey on your domain. Live premium updates as customers change their selections. Save-and-resume. Save-and-call-a-broker. Pre-seeded data via API for embedded experiences.
- Live premium updates · sub-300ms recalculation as inputs change
- Smart abandoned-quote follow-up with tailored email links
- A/B test rate variants live · integrates with enterprise analytics platforms
Broker portals brokers actually want to use.
Self-managed broker login. Their own dashboard. Their own commissions tracking. Branded forms with their logo. Different rates and limits per brokerage. And a customer-broker hand-off: customer starts a quote online, broker picks it up mid-funnel.
- Per-brokerage rates, occupations, limits and document branding
- Customer save-and-resume — broker takes over mid-funnel seamlessly
- Multi-step referral workflows: underwriter loads premiums & conditions
Your products, inside their checkout.
Flexible integration by design. Leverage a robust API for direct data exchange, or drop a tailor-made, embedded form component (like an iframe) directly into a partner’s site. Pre-seed customer data to skip half the questions. Fully automated quoting, binding, and policy issuance — partner stays in flow, you retain regulatory control.
- OpenAPI 3.0 spec · detailed guides · technical support
- Webhooks for every lifecycle event · idempotent · signed
- Pre-seeded data shortens the journey from 18 fields to 4
Schemes for groups, portals for them.
Build affinity schemes for associations, employers, alumni networks. Each group gets its own branded portal. Each group’s members get the right policies, and you set pricing per group and deploy seamlessly across your partner networks.
- Member dashboards · renewal reminders · cancellation triggers
- One source of truth: set pricing per group and deploy seamlessly across your partner networks.
- Co-branded documents, branded URLs · group admins manage their own
One product configuration. Three branded experiences.
Provide different ratings, occupations and limits to specific brokerages so you can cater to their client base. Branded forms with question changes per partner — and one underlying product you don’t have to maintain in triplicate.
When a quote needs a human eye.
Multi-step approval workflows for the times when the risk doesn’t fit the binder. Brokers refer, underwriters review and load conditions, the quote flows back. Every step audited. Every status visible. Nobody chases a PDF.
Quote falls outside binder
System auto-detects: industry outside scope, sum insured above limit, or risk factors flag for human review. Broker sees the referral reason inline.
Reviews, prices, loads conditions
Underwriter sees the full risk profile, adds premium loadings, attaches endorsements and special conditions, sets validity period. Everything tracked.
Quote returns, customer binds
Quote returns to broker (or directly to customer for direct channel) with conditions attached. They accept, pay, and the policy issues automatically.
Sits alongside your existing core.
Not a rip-and-replace.
Most tier-1 carriers don’t need a new policy admin system. They need a better distribution layer in front of the one they have. uBind handles quote, bind and channel — your PAS stays the system of record.
- Two-way REST APIs sync policies, customers and documents bi-directionally with idempotency keys and signed webhooks. No nightly batch jobs.
- Use your rating engine if you prefer — uBind calls out to your pricing service in-line on every quote.
- Claims hand-off via API to Guidewire ClaimCenter, Duck Creek Claims, Insurx, or any connected claims system. Status updates flow back into the customer portal.
- Full reconciliation surface — every transaction in uBind has an external ID, audit log, and idempotent retry. Your finance team can tie out to the cent.
- SSO & identity via SAML 2.0, OIDC, or Microsoft Entra ID — your underwriters and brokers log in with your corporate credentials.
Built for regulated distribution.
Every control your security and risk teams are going to ask about, certified and audited. Trust hub and DPA available on request — usually within 24 hours.
ISO 27001
Information Security Management System. Annual external audit. Full Statement of Applicability published.
PCI-DSS v4.0
Quoted, bound and renewed with payment data inline. Token-based storage. Annual recertification. Zero scope creep onto your environment.
APRA CPS 230 & 234
Regular compliance audits against CPS 230 (Operational Risk) and CPS 234 (Information Security), with continual control improvement. Plus alignment to ISO 22301 (Continuity) and ISO 27031 (DR).
What the platform actually does, at scale.
These are the trailing-12-month operational metrics across our global customer base. They don’t make a pretty marketing chart by accident.
To be here just 4 short months later, with a world class SME digital offering in the market and having made significant progress against all three of our objectives is simply outstanding. We absolutely wouldn’t be here without you.
See if we fit, in under a minute.
Tell us who you are and what you’re trying to ship. We’ll come back within 24 hours with a 30-minute tailored demo — real product, real screens, on your data shape.
- A founder reads every inbound — not an SDR funnel.
- 30-minute live demo · real screens, not slideware.
- Pricing transparent on call two · in writing.
- Talk directly to experts who know insurance technology inside and out
Which one of these is you?
Pick the closest — we’ll route you to the right specialist.
What scale are you running at?
Rough annual GWP — helps us shape the demo.
When are you looking to move?
Be honest -“just exploring” is a fine answer.
How do we reach you?
Please enter a phone number or work email.
Thanks — we’ve got it.
A specialist who actually works on the platform will be in touch within one business day with a calendar link.
What carriers ask before signing.
If yours isn’t here, it’s a one-line email away — we answer ourselves, not via a help-desk queue.
As an insurer, what’s the fastest way to launch a new insurance product?
Carriers accelerate launches by configuring products on the uBind platform rather than building them. Our team handles product setup and technical implementation on a high-performance architecture, bypassing lengthy internal IT cycles. Once configured, your product is immediately available across white-label portals, broker networks, embedded SDKs and affinity schemes. The technology enables a rapid build-out — if your team can keep up we can be ready for UAT in 45-60 days.
Can I manage the full policy lifecycle digitally?
Yes — quote, bind, MTA, renewal, cancellation and claims hand-off all on the platform. Documents are auto-generated, payments are processed inline (PCI-DSS token-based), and every party (customer, broker, underwriter, group admin) gets the self-service tools they need. APIs sync claims, billing and partner system events bidirectionally with idempotency keys.
How does uBind maintain performance during peak quote traffic?
The platform is cloud-native and auto-scales in real time to meet demand. Rating, document generation and webhook delivery are all engineered for low latency. Carriers run aggressive digital campaigns and large-scale affinity launches without bottlenecks. Our ops team runs proactive stress testing — and our trailing 12-month uptime is 99.9% at p95 quote latency of 247ms.
Can I integrate with my existing claims management system?
Yes — uBind’s APIs integrate seamlessly with claim systems such as Guidewire ClaimCenter, Duck Creek Claims and Insurx, as well as in-house claims platforms. Claims can be initiated in uBind and pushed to your claims system, or customers can be redirected to it. Real-time data flows ensure policy and coverage information is always current. Status changes flow back into uBind for customer and broker visibility.
How do I stay compliant as a regulated insurer?
uBind enables structured, digital, auditable insurance operations. Digital workflows and strict rule adherence help eliminate the mistakes and reportable incidents that plague legacy systems. We’re certified to ISO 27001, attested as a PCI-DSS Service Provider, and run regular compliance audits against APRA CPS 230 and CPS 234, with continual control improvement. Trust hub, compliance certificates and attestations available on request.
How can I improve underwriting decisions using data?
uBind integrates internal policy and claims data with external risk intelligence, enabling real-time risk scoring, predictive modelling and data-driven pricing adjustments. Our AI Workbench surfaces model predictions and pricing suggestions to underwriters in their normal workflow, so they can A/B test relativities and converge on more profitable rates without disrupting day-to-day operations.
Can I offer embedded insurance on partner platforms?
Yes — our OpenAPI 3.0 spec lets partners embed your products into their portals, apps or marketplaces with three core endpoints (POST /quote, POST /bind, POST /policy) plus signed webhooks for lifecycle events. For an even simpler integration, we also offer an embedded UX — the quote and buy forms themselves drop straight into a partner’s site or app, so partners get a complete journey without building a front end. Quoting, binding and policy issuance are fully automated. You retain regulatory control.
How does automation reduce operational costs?
uBind automates the full policy lifecycle: quoting, binding, payment processing, document generation, renewal reminders, cancellations and reconciliation. The automations engine responds to lifecycle events — generating documents, pushing/pulling data, triggering renewal communications, chasing abandoned quotes. Carriers typically see a 40–60% reduction in cost-to-serve on digital products within the first year.
Launch fast.
Distribute everywhere.
Grow premium.
Stop building plumbing. Start shipping product. We’ll show you how in 30 minutes.