New governed execution platform gives insurers greater visibility, control and completion across complex human underwriting and operational processes
London, UK – INSTANDA, the no-code insurance platform that helps insurers rapidly create and launch products, today announces the launch of INSTANDA Clear, a new, AI-supported underwriting and operations solution designed to help insurers manage complex human workflows with greater visibility, flexibility, accountability and control across the full policy lifecycle.
Built for the reality of modern insurance operations, INSTANDA Clear provides a governed execution layer for the work that cannot be fully automated. While the company’s INSTANDA PAS platform automates predictable distribution and servicing processes, INSTANDA Clear supports the judgement-led cases where human decisions, coordination, escalation and follow-up are required.
Commonly referred to as an underwriting workbench, INSTANDA Clear sets a new standard by using embedded AI to reduce administrative burden and improve workflow efficiency, while ensuring underwriters and operations teams remain firmly in control of decision-making.
INSTANDA Clear brings underwriting and operational work into one controlled environment. It enables teams to create and manage workflows for referrals, placement, fraud checks, complex mid-term adjustments, renewals, complaints, reinsurance and other operational processes. Tasks, ownership, SLAs, decisions, escalations and audit trails are brought together in one place, giving insurers a clear view of what needs to happen, who is responsible and what has already been completed.
The platform is designed to reflect how insurance teams actually work. Insurers can configure workflows and task screens around their own processes, while users can add tasks, checks and follow-ups as cases evolve. Automated steps, notifications, and email communications can also be embedded within workflows, helping teams to reduce manual administration and keep complex cases moving efficiently. This allows teams to combine human decision-making with automation, without losing governance, auditability or control.
Once work is complete, outcomes can be written back into the system of record, including INSTANDA PAS or other connected policy, claims, CRM or third-party platforms. This gives insurers clear closure of tasks and a full execution history showing what happened, who was involved, when decisions were made and what outcome was reached.
INSTANDA Clear also supports coordination across the wider insurance ecosystem. Brokers, underwriters, operations teams, specialists, coverholders and third parties can be brought into managed workflows, helping reduce reliance on fragmented emails, spreadsheets and disconnected tools. The addition of an AI email inbox automatically creates tasks from inbound emails, capturing relevant context and routing them into the appropriate workflow. This capability is integrated into the wider ecosystem, enabling smoother coordination and reducing manual task creation across systems.
The launch comes as insurers continue to face increasing operational complexity, growing regulatory scrutiny and pressure to improve efficiency without compromising underwriting expertise or customer outcomes.
INSTANDA, which works with major global insurance providers in the US, UK, Europe and APAC, developed INSTANDA Clear to address a clear market gap. Existing workbench tools often show information without controlling how work is completed or impose rigid workflows that do not reflect the dynamic nature of complex insurance cases. INSTANDA Clear bridges governance, flexibility and insurance-native process in one platform. INSTANDA Clear has been designed around three core principles:
By moving work from fragmented emails, spreadsheets and disconnected tools into a single governed operating model, INSTANDA Clear helps insurers improve visibility, accountability and control across human underwriting and operational processes.
Tim Hardcastle, CEO and Co-Founder, of INSTANDA commented:
“The insurance market has invested heavily in digitising distribution and policy administration, but much of the most complex underwriting and operational work has been left behind; still fragmented across emails, spreadsheets and rigid systems that surface information without truly supporting how decisions are made. INSTANDA Clear was designed to change that. It represents a natural evolution of the INSTANDA platform, extending beyond product creation and policy administration to deliver a single execution layer for underwriting and operations. This is more than a traditional underwriting workbench, it is a next-generation execution layer that puts business owners in control of how work is actually delivered. Teams can shape workflows around how they actually work, adapt them dynamically as cases evolve, and bring their wider ecosystem into governed, auditable execution where humans remain at the centre and technology supports how work actually gets done.”
Kevin Gaut, Chief Technology Officer, at INSTANDA commented:
“Insurance underwriting is fundamentally human work. While automation can handle predictable processes, complex underwriting cases still rely on expertise, judgement and collaboration across multiple teams and systems. INSTANDA Clear has been built to bring structure, visibility and governance to that work without removing the flexibility underwriters need. By giving insurers a governed execution layer across underwriting and operations, we are helping teams reduce friction, improve accountability and move complex cases forward faster, while maintaining full control and auditability throughout the process.”
INSTANDA Clear extends INSTANDA’s broader mission to modernise insurance technology through configurable, no-code solutions that enable insurers to launch products faster, adapt workflows quickly and deliver more responsive customer experiences. It follows on from the introduction and development of INSTANDA’s initial “Journey” AI initiative in Q4 2025 and INSTANDA MAX in Q2 2026, and represents the next significant milestone in INSTANDA’s AI-centric evolution.
The launch further strengthens INSTANDA’s position as a leading technology partner for insurers seeking greater agility and operational resilience in an increasingly complex market.
Click to find out more: https://instanda.com/instanda-clear