0instant products
0data points per quote
0medical exams, ever
0always open
The AI-Native InsurTech
No exam. No waiting. Our AI engine, The Brain, powers a real decision in minutes. Policies from rated carriers, sold by licensed professionals.
For agents and agencies. Sell on an AI platform that underwrites while you type and never sells direct to consumers. Five instant products, commissions on a daily cycle, free to join.
Start Selling TodayTerm life with living benefits, pure term, guaranteed issue, final expense, and accidental death. Five products, one platform, decisions in minutes. No medical exam on any of them.
Our engine underwrites in real time, while the application is being filled out. By the time most applicants finish, the work is already done.
The most coverage per dollar, with chronic illness and terminal illness benefits included at no extra cost.
The lowest price in the lineup. Pure coverage, no riders, same fast decision.
If the first product does not fit, the platform can pivot to a more appropriate one in the same session.
100% digital, open around the clock. With or without hands-on guidance from a licensed professional.
Real-time risk analysis on more than 10,000 data points. No medical exam. No waiting on labs.
Issued by licensed, rated carriers and sold by licensed professionals. The technology is new. The insurance is not.
There is no house funnel. Every policy on this platform is sold by a licensed professional, so the platform never competes with you and your client stays your client.
Simplified digital contracting without the paperwork grind. Start selling in days, not quarters.
Commissions are paid by the carrier Monday through Friday. Annualization available.
Decisions in minutes while your client is still on the line. No case management.
Products issued by carriers including Fidelity Life. Running an agency or BGA? Talk to us about your hierarchy.
Our engine is called The Brain. It reads each application as it is filled out, weighs risk in real time, and returns a real answer before the coffee gets cold. The insurance industry took weeks. We take minutes.
The technology is new. The insurance is not. Every policy is issued by a licensed, rated carrier and sold by a licensed professional. What is InstaBrain?
“A new digital platform that leverages data-driven solutions, real-time underwriting, and industry partnerships.”
From InstaBrain’s launch announcement
Press and partners
Yes. The Brain underwrites in real time while the application is filled out, so most people get a decision in minutes. The policy is issued by a licensed, rated carrier, same as any other.
No. There is no medical exam on any InstaBrain product. No needles, no nurse visit, no waiting on lab results. You answer questions and The Brain does the rest.
Yes. InstaBrain is the technology, not the insurer. Every policy is issued by a licensed, rated carrier and sold by a licensed professional. We never sell direct to consumers. Read what InstaBrain is.
Minutes. The whole thing is 100% digital, from quote to decision. The Brain underwrites while the application is being filled out, so there is nothing left to wait for at the end.
Pricing depends on age, health, product, and coverage amount. Quotes are free, take minutes, and the platform prices against more than 10,000 data points to find the best fit. There is no fee to apply.
Contracting is digital, simplified, and free to join. You get five instant products, no exams, and decisions in minutes while your client is still on the line. Commissions are paid by the carrier on a daily cycle, Monday through Friday. And we never compete with you for the client.
Get covered, or get onboarded. Either way, a licensed human replies the same business day.
