Korint is insurance product creation software built for wholesale brokers and delegated authority brokers who run several delegated underwriting programmes. It lets you configure a product (covers, rating rules, questionnaires, documents), distribute it to a network of brokers and manage every programme in a single insurance suite, with full traceability of decisions and versions.
Modular and low-code, Korint covers P&C and individual health. Business teams design and launch their offers without waiting on an IT project that lasts months.
What is insurance product creation software?
Insurance product creation software is a tool for designing, configuring and bringing an insurance product to market without custom development. It brings together everything that defines an offer: covers and options, underwriting rules, the rate, questionnaires, contract documents and the sales journey.
For a wholesale broker or a delegated authority broker, insurance product design does not stop at the product sheet. It also involves the risk-carrying insurer, the distributing brokers and the claims and policy handlers. The software therefore has to connect the product’s configuration, its distribution and its follow-up over time.
The challenges for brokers running several programmes
Running several delegated underwriting programmes multiplies the constraints. Each programme has its own insurer, rules, delegation limits and bordereaux. When the tools can’t keep up, four problems keep coming back.
- Launches take too long. Creating or changing a product goes through an IT project, with lead times often measured in months.
- A different tool for each programme. Spreadsheets, separate extranets and legacy tools coexist, which fragments the data.
- Traceability that is hard to prove. The insurer expects to know who underwrote what, under which rule and in which version of the product.
- A poorly equipped distribution network. Partner brokers expect a simple, fast underwriting journey; without one, they turn to other offers.
How Korint speeds up product design and launch
With Korint, an insurance product is configured rather than developed. The platform is low-code and fully configurable: product teams define the covers, rules and journeys themselves. A launch follows four steps.
- Configure the product. Covers, options, deductibles, acceptance rules and documents are set up in Korint Core.
- Set the rate. The Korint Engine rating engine holds the rate tables and calculation rules, versioned and testable before going live.
- Distribute. Korint Reach generates the underwriting journey and the broker extranet, from quote to e-signature.
- Manage and adjust. The product lives in the same suite: a change to a rate or a cover is published without rerunning the project.
The result: an underwriting journey can go live in under 4 weeks. For a broker specialising in embedded insurance, the time to launch a product fell from 6 to 9 months to 6 to 8 weeks.
Managing several programmes with full traceability
Korint brings all of a wholesale broker’s programmes together in one tool, each with its own rules, insurer and delegation limits. Running several programmes no longer takes one tool per risk carrier.
Every action is logged: the product and rate versions applied, who underwrote a policy, any exception granted, every document issued. This traceability serves three purposes:
- reporting to the insurer with unified bordereaux, produced from a single source of data;
- checking compliance with delegation limits and regulatory rules, including AML/CFT alerts;
- tracking the performance of each programme and each broker in the network in real time.
Underwriting automation and distribution
Underwriting automation frees teams from repetitive tasks and speeds up responses to brokers. In Korint, acceptance rules apply automatically: a compliant application is rated and issued without intervention, while one outside the guidelines is sent for review to the right underwriter.
Brokers in the network underwrite through an extranet with dynamic forms, automatic reminders and alerts. AI agents built into the platform assist teams, for example by prefilling an application or checking a document. Thanks to its API-first approach and native integrations, Korint also connects to existing tools and partner journeys, via API or white label.
How to choose insurance product creation software
The right tool is judged by its ability to keep several programmes running over time, not just to launch a first product. Six criteria make the difference.
| Criterion | Why it matters | What Korint offers |
|---|---|---|
| Business team autonomy | Stops an IT project from blocking every launch | Low-code configuration, everything is configurable |
| Multi-programme | A wholesale broker manages several insurers and delegations | Every programme in the same suite, each with its own rules |
| Traceability | The insurer requires evidence and reliable bordereaux | Full history of versions and actions, unified bordereaux |
| Distribution | The broker network must be able to underwrite easily | Broker extranet, underwriting journey, e-signature |
| Integration | The software must fit into the existing IT system | API first, native integrations, white label |
| Modularity | Needs vary with size and maturity | Full platform or modules à la carte |
Want to see how to configure and launch your own programmes in Korint? Book a demo.