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We create life insurance software that helps insurers launch digital products and improve day-to-day processes
Building custom life insurance solutions that fit your business processes and improve overall policyholder experiences
Updating insurance software to improve performance and connect reliably with your existing technology environment
Implementing AI capabilities that help insurance teams make data-driven decisions and improve risk evaluation processes
Analyzing your insurance software to identify improvement areas and create a clear technical roadmap for future development
Our team develops connected modules that support core insurance operations while fitting your products and existing technology environment
Issue policies digitally and process endorsements through configurable workflows that keep policy data accurate
Automate renewals and reinstatements using configurable rules that help prevent policy lapses and missed deadlines
Track every policy change in one centralized record, giving authorized teams clear visibility into current status
Generate policy documents from approved templates using current customer data, keeping records consistent
Capture application data through guided forms that catch missing information before cases reach your underwriters
Evaluate applicant risk using configurable models that combine internal criteria with verified external data sources
Apply underwriting rules consistently and route exceptions to specialists with the context needed for manual review
Retrieve medical and third-party data securely so underwriters validate applications in one connected workflow
Let beneficiaries submit claim details through guided forms that cut incomplete requests and speed up registration
Verify beneficiary details against policy records and required documents before claims move to assessment
Process eligible claims using configured rules and route complex or suspicious cases to specialists for review
Coordinate approved settlements through controlled payment workflows that keep claim visibility and cut delays
Configure life products and pricing rules centrally so product managers can update them without rebuilding billing
Create premium schedules from policy terms and issue accurate invoices automatically across the coverage period
Accept premiums through connected payment methods while syncing transaction status with policy and billing
Send timely reminders that reduce missed payments and help prevent avoidable policy lapses before renewal
Give policyholders secure access to coverage information and routine service requests without call center support
Let users submit profile or beneficiary changes through guided workflows with built-in validation and approvals
Give agents current client and policy data so they can manage service activities within one workspace
Calculate commissions under configured agreements and show agents their earned and pending compensation
Generate structured reports for required submissions and recurring internal financial reviews and audits
Show portfolio performance and risk exposure so decision-makers can spot changes that need closer attention
Analyze interaction and payment patterns to identify service needs, lapse risks, and communication opportunities
Record key system actions and export controlled data to support investigations and audit preparation and compliance
See how we deliver insurance software, from AI document automation to full policy and claims administration
USA
Insurance
Challenges solved during the creation of a car insurance platform:
Norway
Insurance
Challenges solved during the creation of an insurance IDP solution:
Learn about Cleveroad’s expertise in Projects Portfolio
in Projects Portfolio
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DenmarkCTPO of Penneo A/S
"Cleveroad proved to be a reliable partner in helping augment our internal team with skilled technical specialists in cloud infrastructure."
We apply AI to improve life insurance decisions and reduce manual workload, supporting faster policyholder service
Evaluate risk using configurable scoring models
Apply underwriting rules across standard cases
Route exceptions for specialist assessment
Detect policyholders at risk of lapse
Forecast renewal behavior from historical data
Trigger timely retention outreach automatically
Capture data from applications and forms
Classify documents by type and purpose
Flag missing or inconsistent information
Detect unusual behavior across insurance workflows
Score suspicious cases using configurable criteria
Send high-risk cases for investigation
Explain policy terms in clear language
Collect information before specialist review
Transfer complex requests with full context
Complete repetitive claims administration tasks
Update records across connected insurance systems
Request human approval for sensitive actions
We offer flexible engagement options from a classic human team to AI-native squad. Pick the model that matches your scope and budget
The dependable, human-led baseline suited to any kind of project.
Development budget
Team composition
Iterative delivery
Spec evolves during delivery
Write a sprint scope, deliver it, try it, then revise the spec or functionality.
Best for
Flexible-scope projects where each iteration reshapes the plan as you go
Your familiar full-stack squad, accelerated with AI support in every role.
Development budget
Team composition
Iterative delivery
Spec evolves during delivery
The same write-deliver-review sprint repeats, just accelerated with AI.
Best for
Brownfield projects that need fast iteration without locking scope too early
A minimal lean team with maximum AI leverage and strict human oversight.
Development budget
Team composition
AI Solution Architect. Owns the approved spec and the architecture the build follows
Prompt Engineer. Turns the spec into precise prompts and guardrails for AI code generation
AI Product Owner. Owns milestones and acceptance against the fixed spec
Milestone delivery
Spec locked before delivery
Approve once upfront. The spec becomes the source of truth for milestones.
Best for
MVPs and greenfield projects with fixed scope and milestone-driven delivery
Cleveroad engineers select technologies that support secure life insurance policy operations and reliable data exchange
Sapiens
Majesco
Oracle Insurance
Fadata
MIB
LexisNexis Risk Solutions
Verisk
ExamOne
Salesforce
Microsoft Dynamics 365
HubSpot
Zoho CRM
Braintree
Stripe
Adyen
PayPal
Auth0
Okta
Onfido
Microsoft Entra ID
DocuSign
Adobe Acrobat Sign
Box
Dropbox Sign
React.js
Angular
Vue.js
Next.js
TypeScript
Node.js
NestJS
.NET Core
Python
Java
PostgreSQL
MySQL
MongoDB
Redis
Elasticsearch
Swift
SwiftUI
Kotlin
Java
Flutter
React Native
TensorFlow
PyTorch
Scikit-learn
XGBoost
AWS Textract
Azure AI Document Intelligence
Google Document AI
Tesseract OCR
OpenAI API
Azure OpenAI Service
Anthropic API
Amazon Bedrock
MLflow
Kubeflow
Amazon SageMaker
Azure Machine Learning
AWS
Microsoft Azure
Google Cloud
Docker
Amazon ECS
Kubernetes
GitHub Actions
GitLab CI/CD
Prometheus
Grafana
Sentry
We keep deepening our expertise to meet your highest expectations and build business innovative products
ISO 27001
Information Security Management System
ISO 9001
Quality Management Systems
AWS
Select Partner Tier
AWS
Solutions Architect, Associate
Scrum Alliance
Advanced Certified Scrum Product Owner
AWS
SysOps Administrator, Associate
We build life insurance software around regulatory requirements and secure data handling from the earliest development stages
70 clutch reviews
4.9
Award
Clutch 1000 Service Providers, 2024 Global
Award
Clutch Spring Award, 2025 Global
Ranking
Top AI Company,
2025 Award
Ranking
Top Software Developers, 2025 Award
Ranking
Top Web Developers, 2025 Award
Ranking
Top Staff Augmentation Company in USA, 2025 Award
Our team helps insurers turn complex product requirements into secure software built for long-term use and controlled growth
Since 2011, Cleveroad has delivered 200+ digital products, including insurance solutions with claims workflows and secure customer verification. You work with engineers who understand regulated financial processes and the technical dependencies behind them.
A 280-engineer in-house team takes responsibility for your software from early planning through release and post-launch support. You avoid fragmented delivery and keep one accountable partner as your product requirements and priorities change.
ISO/IEC 27001-certified delivery processes guide how sensitive data, access permissions, system activity, and audit trails are handled throughout development. Your product meets relevant regulatory expectations without costly architectural corrections near release.
Cleveroad applies AI only where it solves a specific problem. On a recent insurance project, our intelligent document processing cut manual document handling by up to 75%, so underwriters and claims teams spend less time on data entry and more on decisions.
