InstaBrain, a provider of artificial intelligence-powered underwriting solutions, has partnered with LifeQuotes.com, a multi-carrier comparison platform across automotive, life, health, and business insurance sectors, to accelerate the delivery of digital life insurance.
The collaboration combines InstaBrain’s automated decision-making capabilities with LifeQuotes.com’s comparative insurance engine, according to InsurTech Digital.
The integration enables customers to receive personalised life insurance quotations and purchase policies online within minutes, replacing the lengthy timelines typically associated with traditional underwriting.
InstaBrain delivers instant underwriting decisions by processing more than 10,000 data points, including health records and demographic information, to match applicants with suitable insurance products. The company’s system also redirects customers to alternative offerings when their initial selection is unavailable. Its platform supports term life, disability, critical illness, and guaranteed issue whole life insurance applications. By providing software development kits and application programming interfaces, InstaBrain enables agents, financial institutions, and call centres to embed its capabilities directly within existing distribution channels.
LifeQuotes.com provides consumers with a wide range of insurance comparisons across multiple carriers. It offers term life, whole life, and universal life policies and allows prospective customers to compare options anonymously before engaging with licensed advisers. The platform operates extensive customer service functions with salaried agents and supports partner organisations with call centre and fulfilment services.
The partnership represents InstaBrain’s strategy of embedding its technology within established intermediaries rather than competing directly with them. By integrating with LifeQuotes.com, InstaBrain extends its reach through proven insurance channels while leveraging existing customer relationships and regulatory frameworks. The move aligns with industry-wide shifts towards digital-first distribution models, designed to cut acquisition costs and meet consumer demand for streamlined financial services.
Since launch, InstaBrain has processed applications from more than 4,000 agents and signed partnerships with managing general agencies and financial institutions. The latest collaboration strengthens its position in the growing embedded insurance sector, where banks and financial providers are increasingly incorporating insurance into existing financial products.
Robert Bland, LifeQuotes.com CEO, said, “This partnership with InstaBrain marks a bright path forward for LifeQuotes’ existing comparison model.”
InstaBrain chief operating officer Meteena Watson said, “By merging InstaBrain’s instant underwriting capabilities with LifeQuotes’ expansive comparative engine, we’re redefining how quickly and easily consumers access personalised life insurance solutions.”
Watson added, “Not only can you get a quote in seconds, but proceed to purchasing a policy online in minutes.”
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