How It Works

Small things make big things happen

INSTANDA allows clients to design and build a product through the full policy lifecycle: gathering risk information, calculating premiums and rules.

Every build in INSTANDA can be broken down into three stages:

Inputs (whether from the insured, the agent or broker, or the underwriter) that define the details of the risk

Processing, through which INSTANDA accepts, refers or declines the risk (whether at new business, mid-term adjustment or renewal) and calculates the premium to be charged

Outputs, to present this information back to INSTANDA’s users: screens for agents, distributors and underwriters; reports and integrations with third party systems; PDF documentation and emails

Through these stages, INSTANDA allows users to build the product and the means of distributing it.

Each product can be distributed through multiple websites — for example, separate sites for brokers and the public, or for white-labelling — and each site can transact multiple products.

Everything we did when creating these areas, and every enhancement to the platform since, has been designed to be simple, without sacrificing the flexibility that allows us to be completely client- and product-agnostic.

Everything described below can be built by the client with minimal training.


INSTANDA gathers risk information for each policy through its question sets, and a question can be added to INSTANDA by filling in a simple form telling the system how the question behaves, defining:

  • the question text and any help text that needs to be displayed
  • whether to require an answer to the question or allow to be optional
  • what constraints to put on the answer (e.g. validating for UK telephone numbers or requiring an answer between 0 and 100)
  • the conditions under which a question should be displayed: whether to show or hide at MTA or renewal; whether to display to the public or to brokers or underwriters only; or more complex business rules.

Questions can be easily added or moved, even after your product has been launched. At MTA, INSTANDA retrieves the questions that were current when the policy was sold, while our mapping function allows you to set defaults so that policies can be auto-renewed even if new questions have been added.


When INSTANDA was first being designed, we did a lot of research to find out what systems insurers like to use to design their products. We found that, then and now, Microsoft Excel was still king. So we built INSTANDA’s calculation engine to look as much like Excel as possible.

Anyone familiar with Excel formulae will recognise the syntax of our calculation steps, and rating tables can be copied and pasted straight from Excel into INSTANDA. (Larger tables can be hosted directly on Azure, and we can offer call-outs to third party databases where required.)

These steps combine to define premiums, sums insured, and the business rules that decide whether a risk is accepted, referred or declined. There’s no code to learn: INSTANDA’s most advanced users are simply advanced Excel users transferring their skills. Like Excel, calculations in INSTANDA are near-indefinitely scalable; implementations have dealt with thousands or even tens of thousands of variables.


INSTANDA’s interface with clients’ customers is the most important and visible element of a build so here again, we’ve kept the design interface simple. Screens, PDF documents and emails can all be designed through our user-friendly two-tier content management interface, which allows users to add text, images and styles and to output any variable that’s been input or calculated. This design is converted dynamically into HTML for display on-screen, and from HTML to PDF for documentation.

Alternatively, clients with web design skills in-house can access the HTML code and CSS style sheets directly, allowing total control over the look and feel of the screens and documents produced.

We also output data in bulk, via the INSTANDA reporting function which allows users to create and run unlimited bespoke reports. A similar interface controls our integrations with third-party systems such as Salesforce, using drop-downs to allow our users to map INSTANDA’s variables to the inputs these systems require. We’re always open to new integrations — just ask.

Challenge Us!

It sounds simple, but this toolkit has been enough to build products across multiple sectors, currencies and countries. If you’re wondering whether you could build your product in INSTANDA, we’re confident that you can. Call us, request a demo, and set us the challenge.

Download our INSTANDA Fact Sheet


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