Article by Jonathan Rusby, Director of P&C (EMEA) at INSTANDA
For as long as I’ve been in the industry, insurers have wrestled with a paradox: the ambition to move faster, and the systems that slow them down. Innovation, we’re told, is essential. Agility is essential. Flexibility is essential. But for many insurance carriers and MGAs, the legacy foundations beneath them simply do not allow for it.
It was this very challenge that sparked the creation of INSTANDA.
Not to build another monolithic system. Not to patch around legacy constraints. But to create a platform that puts control, flexibility and pace back into the hands of insurers — where it always should have been.
Today, as carriers expand globally and MGAs set their sights on scaling at incredible speed, this principle is more important than ever. Growth isn’t just about entering new markets; it’s about doing so without exponential cost, complexity, or compromise.
Why Replicability Matters More Than Ever
The industry is full of examples where insurers have tried to scale success, only to find each region requires a different workaround, interface, workaround… and another workaround. Before long, innovation becomes the exception, and not the norm.
This is the gap INSTANDA was created to close.
The insurance organizations that thrive will be those that can take something that works and repeat it across regions, lines, and channels.
Not by rebuilding.
Not by re‑engineering.
But by replicating and redeploying.
By giving insurers the ability to rapidly configure products, workflows, rules, and journeys in an intelligent no‑code environment, INSTANDA enables true portability of capability. Build once. Deploy everywhere. Adapt where needed. Maintain consistency always.
That is how growth becomes scalable, and, most importantly, sustainable.
The Foundations of True, Replicable Scalability
1. A single, configurable core
Many insurers are juggling an architecture that has grown organically, acquisition by acquisition, product by product, region by region. The result is a mosaic of systems that often refuse to talk to one another.
INSTANDA replaces this fragmentation with a single, cloud‑native intelligent core platform that:
- Standardizes product and process logic
- Maintains global consistency while supporting local variation
- Enables teams to build and launch products without relying on engineering
- Dramatically reduces change cycles
The "build‑once, deploy‑everywhere" model is a lived reality for insurers all over the world.
2. Incremental modernization at pace
From carriers launching new business lines to MGAs and MGA groups expanding into global markets or scaling through M&A, INSTANDA enables a measured, controlled, low risk path to modernization. Launch something new. Transition a process. Migrate a portfolio. Scale horizontally, vertically, or internationally at your own pace without disturbing what works.
This approach is why even the most complex insurers, operating across 100+ countries, can move quickly without destabilizing their core operations.
3. Agility with embedded business logic
Speed isn’t just about launching quickly. It’s about adapting quickly.
With INSTANDA, underwriting rules, pricing logic, workflows, compliance steps, and documents all sit in a configurable interface accessible to the business. This allows insurers to:
- Make updates instantly
- Respond to regulatory changes in hours, not weeks
- Run real‑time experiments and improvements
- Adjust rates, policy wording, or customer journeys without engineering dependency
- For insurers operating across jurisdictions, this agility isn’t just beneficial, it’s necessary
Scaling Innovation with Embedded AI
As insurers expand into new markets and diversify their portfolios, scalability means more than just handling higher volumes. It requires technology that can adapt and evolve alongside the business. This is where INSTANDA’s approach to AI can make a significant difference.
Our AI capabilities are embedded directly into the fabric of our platform. This native integration provides a practical framework for innovation. It's about offering embedded intelligence that reduces operational friction, anticipates customer needs, supports accurate decisions, and unlocks critical insights.
Since our AI is part of the core configuration engine, every enhancement becomes instantly and consistently scalable across your operations:
- A refined underwriting rule contributes to smarter underwriting everywhere
- A new risk insight can be applied for consistent pricing enhancements across products
- An automated workflow helps reduce friction across an entire portfolio
- An improved customer experience can be replicated for a global uplift in service quality
Since the platform is configuration-led, you choose how and when to deploy AI enhancements across your product lines with minimal effort. This approach keeps your teams in full control, allowing you to determine:
- When and where AI is leveraged
- Which decisions it influences
- How it adapts across different products and geographies
- How it is monitored, measured, and audited for compliance
What Replicable Scalability Looks Like in Practice
One global MGA group has used INSTANDA to become one of the fastest‑scaling operators in its category. Operating across 120+ countries, they have launched more than 30 specialty products on the INSTANDA platform, delivering Minimum Viable Products in under 8 weeks.
By standardizing their digital distribution and policy administration processes, they’ve eliminated duplication, reduced cost and built a repeatable model for rapid, cross‑border expansion.
Their performance demonstrates the power of replicability: build once, refine centrally, deploy globally.
Great Plains Casualty: Hyper‑Scalable Growth in Commercial Auto
For Great Plains Casualty, scalability was business‑critical. Within four months, they launched a complex commercial trucking product and migrated their entire commercial auto portfolio onto INSTANDA.
With underwriting logic fully embedded into the system, they achieved their target of a “no‑touch” product (automation from application to bind) enabling expansion into 19 new states in just four months and supporting an 8‑fold revenue growth trajectory.
This is what happens when agility, automation, and replicability converge.
A Leading Global Insurer Deploying Specialist Products Across 150+ Countries
Another multinational insurer in a highly regulated specialist line used INSTANDA to reduce development time and cost by 10x, enabling the launch of a complex product into 150+ markets.
For them, the differentiator wasn’t speed alone. It was the ability to maintain global consistency while allowing local variation, something that had previously required region‑specific systems and duplicated effort.
INSTANDA replaced fragmentation with a single, highly adaptable model for international expansion.
Why Insurers Scale Faster on INSTANDA Than Anywhere Else
Insurers that choose INSTANDA thrive on momentum: the ability to seize niche opportunities, launch quickly, refine continuously, and expand their footprint.
INSTANDA amplifies this through:
- No‑code product building
- Automated underwriting workflows
- API‑ready architecture for ecosystem integration
- Rapid iteration and testing
- Scalable components that grow with the insurer
Quite simply, INSTANDA restores agency to insurers and closes the gap between what insurers need to do and what their legacy technology allows them to do.
By placing configuration in the hands of the business, INSTANDA removes the dependence on lengthy development cycles and realigns technology with ambition. It turns agility into an everyday capability rather than a sporadic achievement. This principle, that insurers should control their own evolution, continues to be the foundation of our clients’ success, no matter their size, geography or line of business.
The Future Belongs to Insurers Who Can Scale — Repeatedly
Looking ahead, growth will belong to the insurers who can take what works and replicate it, refine it, and redeploy it across portfolios and markets without friction.
Those who succeed will be able to:
- Build once and expand confidently
- Adjust products and operations in real time
- Maintain consistency across borders while still adapting locally
- Modernize at their own pace without disruption
- Grow without adding unnecessary complexity or cost
This is the model INSTANDA enables: a platform built for constant movement, continuous improvement and scalable innovation. For organizations that recognize that agility, adaptability and repeatable success will define the next decade, the direction of travel is unmistakably clear: scaling with confidence isn’t just possible, it’s now within reach.
If you’re ready to build a business that can evolve — everywhere you operate — let’s talk. We’d be delighted to explore what that future looks like with you.
