QyrosCloud engineered a serverless embedded insurance platform on AWS that enables SaaS providers to offer white-label insurance products within their applications. The platform features a dynamic carrier rules engine, AI-driven automation, and real-time policy quoting — reducing carrier integration time from weeks to hours and cutting customer acquisition costs by up to 75%.
What was at stake.
The client's core product vision was a white-label insurance widget that SaaS providers could integrate directly into their platforms — allowing end users to get covered in context, at the moment of need, without friction.
Behind that concept lay an industry built on legacy infrastructure, inconsistent data standards, and strict regulatory requirements. Turning the vision into reality meant solving deep technical, operational, and compliance challenges simultaneously.
“The client didn't need an app. They needed a way to make insurance move through digital ecosystems the way modern software should — instantly, compliantly, and without friction. We built the infrastructure that made that possible.”
How we solved it.
QyrosCloud engineered the platform around one principle: dynamic adaptability. Rather than hardcoding every carrier or broker flow, we built a system capable of learning and reconfiguring itself as the ecosystem evolves — so adding a new carrier or SaaS partner never requires a rebuild.
A React-based, fully multi-tenant insurance widget deployed via AWS CloudFront for global performance and low latency.
- Auto-adjusts branding, UI, and flow per SaaS partner at runtime — no redeploys required
- Supports embedded, SDK, and API integration paths
- White-labeled per partner with zero engineering overhead on the partner side
A JSON-driven rules engine that interprets each carrier's underwriting logic, data structure, and workflow — and updates automatically when carriers modify their processes.
- Handles quoting, binding, endorsements, and claims across all connected carriers
- Reduces carrier integration time from weeks to hours
- Turns rigid, inconsistent legacy carrier APIs into flexible, data-driven configurations
Where carriers lacked APIs entirely, AI bridged the gap — eliminating manual workflows without sacrificing compliance or audit trail integrity.
- AI Form Filler: Auto-completes ACORD and carrier-specific forms from the platform's unified data schema in seconds, replacing a process that previously required manual entry per carrier
- AI Communication Agent: Parses inbound carrier emails and Excel-based data, extracting and syncing policy information automatically and securely
Built entirely on AWS-native services for auto-scaling, zero downtime, and global latency under 200ms.
- AWS Lambda + API Gateway for event-driven compute and routing
- Amazon Aurora (RDS) for relational data with read replicas for performance
- AWS Step Functions + SQS for workflow orchestration and queue management
- AWS WAF + IAM + encryption for data security and access control
- AWS X-Ray + CloudWatch for full observability, tracing, and debugging
“This engagement required us to balance speed with compliance rigor. We deployed infrastructure-as-code from day one, automated evidence collection across the environment, and delivered a production-ready architecture that passed security review on the first attempt.”
The results speak for themselves.
By abstracting the complexity of a fragmented insurance ecosystem into a single, adaptable platform, QyrosCloud enabled the client to launch an embedded insurance infrastructure product that would have taken years to build through conventional approaches — and delivered it at a price point and timeline that enterprise-grade platforms cannot match. The platform is now live across multiple SaaS verticals, operating at scale, and positioned at the infrastructure layer of one of the fastest-growing distribution channels in insurance.
An early-stage insurtech company building an embedded insurance distribution platform that enables SaaS providers to offer white-label insurance products directly within their applications.
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