InstaBrain
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Instant Underwriting Decisions
No paperwork. No medical exams. Approvals in ~10 minutes.
Agent-Friendly, Not Agent-FreeÂ
Designed to elevate your role, not replace it.
Collaborative Applications with KickIt™
Join your clients live in-app, guide them through signatures, payments, and questions in real time.
Flexible Sales Modes
Self-service for tech-savvy clients, advisor-guided for those who need help — all in one seamless flow.
InstaBrain’s proprietary underwriting engine evaluates 10,000+ data points, from Rx history to credit indicators, delivering tailored product matches instantly. And if the client doesn’t qualify for one policy? The platform reflexively pivots to a suitable alternative — so every client walks away with coverage.
InstaBrain partners with top-tier carriers to bring agents exclusive, instant-issue products:
InstaBrain Term with Living Benefits
Accidental Death Benefit
Guaranteed Issue Whole Life
PureTerm (budget-focused term, incl. Table 4 risks)
Final Expense (coming soon)
Disability & Critical Illness Plans
All policies are fully digital, instantly delivered, and backed by trusted names like Fidelity Life and Hannover Re.
Personalized agent portals and dashboards
Branded quote/app links
Live case status tracking
Digital contracting & onboarding
Secure e-sign and e-payment integrations
Email/SMS automation to boost completions
Top commissions + training support
Independent Agents & Advisors: Modernize your practice. Compete with fintechs — no IT team required.
BGAs & IMOs: Equip your downline with scalable, turnkey instant-issue capabilities.
Forward-Looking Carriers: White-label or integrate to accelerate DTC and agent-driven sales.