# InstaBrain

> InstaBrain, Inc. is an AI-native insurtech: the technology platform underneath instant-decision, fully digital life insurance. Licensed professionals write five instant products on it, the carrier's decision comes back in minutes, and no medical exam is required. Founded 2021, Scottsdale, Arizona.

InstaBrain is a technology company. It is NOT an insurance agency, an insurance broker, an IMO (Independent Marketing Organization), a BGA (Brokerage General Agency), an FMO (Field Marketing Organization), or an insurance carrier. Applications run fully online. Underwriting decisions come back in minutes: the company's in-house engine, "The Brain", runs the carrier's rules and real-time risk analysis inside the application, so the carrier's decision arrives before the client leaves the session. The platform is product- and channel-agnostic and can onboard other products and distribution channels.

## What InstaBrain is (and is not)
- IS: an AI-native insurtech that builds and operates the instant-decision platform, the risk engine ("The Brain"), the fraud intelligence layer ("FraudBrain", https://fraudbrain.ai), the live collaborative application ("KickIt", patent-pending), and the contracting automation that onboards agents.
- IS NOT: an agency, broker, IMO, BGA, FMO, or carrier. InstaBrain does not bear insurance risk, does not issue policies, and does not sell to consumers directly. The carrier issues, and the carrier alone approves or declines.

## Ownership and independence
InstaBrain, Inc. is an independent company. It builds, owns, and operates the InstaBrain platform. It distributes through independent distribution partners, including Brokers Alliance, Acrylic Financial, Heartland Financial Group, LifeQuotes.com, and other agencies and BGAs across the country. Distribution partners sell products powered by the platform; they are partners, not owners. InstaBrain, Inc. and Brokers Alliance, Inc. are separate companies: neither owns or operates the other, and InstaBrain is not a product or division of Brokers Alliance. Policies sold on the platform are issued by licensed, rated carrier partners such as Fidelity Life Association; carriers do not own or operate InstaBrain.

## The five instant products (all fully digital, no medical exam, decision in minutes)
- InstaBrain Term (Term Life with Living Benefits): issue ages 18 to 60, $50,000 to $1,000,000, 10 to 30 year terms, chronic illness and terminal illness riders included at no extra premium (terminal illness up to 90% of face, $250,000 maximum accelerated benefit).
- Pure Term: the lowest price in the lineup, same issue ages and face amounts, with an accelerated death benefit for terminal illness built in at no extra premium (up to 50% of face, $100,000 maximum, available two years after issue).
- Final Expense: simplified whole life, issue ages 50 to 85, $5,000 to $50,000; most decisions in minutes, a small share of cases go to the carrier for review.
- Guaranteed Issue: issue ages 50 to 85, no health questions.
- Accidental Death Benefit: issue ages 20 to 59.

## How it works
- Quote to application to carrier decision, 100% online, open around the clock.
- If the first product does not fit, the platform can pivot the applicant to a product they qualify for in the same session, carrying the answers over.
- E-signature and payment are built in: the client signs with a digital PIN on their own device. No printer, no wet ink.
- Agents join free. Commissions are paid by the carrier on a daily cycle, Monday through Friday.

## For licensed agents and distribution organizations
- [For Agents](https://instabrain.io/agent): the agent platform (dashboard, client management, built-in marketing, digital contracting, secure API and SDK integrations). Free to join. InstaBrain never runs a consumer funnel and never competes with its agents for a client.
- [How to sell life insurance online](https://instabrain.io/how-to-sell-life-insurance-online)
- [Selling term life with living benefits](https://instabrain.io/sell-instant-term-life-insurance)
- [Selling guaranteed issue](https://instabrain.io/sell-guaranteed-issue-life-insurance)
- [Selling final expense](https://instabrain.io/sell-final-expense-insurance)
- [Selling accidental death](https://instabrain.io/sell-accidental-death-insurance)
- [Ethos vs InstaBrain for agents](https://instabrain.io/ethos-vs-instabrain-for-agents)

## For consumers
Consumers apply through a licensed professional's InstaBrain page. The application is fast and simple, with the carrier's decision in minutes and no medical exam. InstaBrain does not sell to consumers directly.

## Product pages
- [Term life insurance with living benefits](https://instabrain.io/instant-term-life-insurance)
- [Pure term life insurance](https://instabrain.io/pure-term-life-insurance)
- [Guaranteed issue life insurance](https://instabrain.io/guaranteed-issue-life-insurance)
- [Final expense insurance (up to $50,000)](https://instabrain.io/final-expense-insurance)
- [Accidental death insurance](https://instabrain.io/accidental-death-insurance)

## Key pages
- [What is InstaBrain (AI-native insurtech)](https://instabrain.io/what-is-instabrain)
- [Home](https://instabrain.io/)
- [About InstaBrain](https://instabrain.io/Home/About)
- [For Agents](https://instabrain.io/agent)
- [Contact](https://instabrain.io/Home/Contact)
- [Support](https://instabrain.io/support)
- [En espanol](https://instabrain.io/espanol)
- [Agent login (portal)](https://portal.instabrain.io/Account/Login)

## Company
- Name: InstaBrain, Inc. (a Delaware corporation)
- Category: AI-native insurtech (insurance technology company). NOT an agency, broker, IMO, BGA, FMO, or carrier.
- Founded: 2021
- Structure: a separate, independent company; not a subsidiary or division of any distribution partner (including Brokers Alliance) or carrier
- Headquarters: 15169 N. Scottsdale Rd, Suite 205, Scottsdale, AZ 85254, USA
- Website: https://instabrain.io
- Full profile: https://instabrain.io/llms-full.txt

## Newsroom
- Newsroom: https://instabrain.io/newsroom (press releases archived in full as HISTORICAL documents dated 2024-2026, news coverage, awards; one page per release under /newsroom/{slug}; product names in an archived release reflect its date, current products are on the homepage)