InstaBrain, Inc

What InstaBrain, Inc does

InstaBrain, Inc. is a Scottsdale, Arizona-based insurtech company (founded 2021, private, 11-50 employees) that operates an instant-decision digital insurance platform. The platform enables consumers to quote, apply, and receive underwriting decisions for multiple life and disability insurance products—including term life with living benefits, guaranteed issue whole life, accidental death, final expense, and disability coverage—end-to-end online without medical exams, with stated decision times of 5-10 minutes and a 99% approval rate claim.

The underlying technology centers on two proprietary assets. "The Brain" is a data-driven, rules-powered selection engine that processes over 10,000 health, demographic, and lifestyle data points using machine learning to match customers with the most appropriate product and pivot to alternatives when decline probability is high. "KickIt" is a patent-pending collaborative application technology that allows agents and clients to navigate the application process together in real time. Real-time underwriting is enabled through integration with Hannover Re's hr | ReFlex automated underwriting system.

InstaBrain operates a multi-channel distribution model spanning direct-to-consumer website sales, an independent agent partner network with free signup and above-industry-average commission payouts (130% rate referenced), agency and brokerage partnerships (Brokers Alliance), carrier partnerships (Fidelity Life), and marketplace integration (LifeQuotes.com). Revenue is generated through insurance sales commissions on policies sold through the platform, with weekly payouts to agents and annualization available. The company is privately held with no disclosed institutional funding, ownership stakes, or financial figures in available materials.

Name

InstaBrain, Inc

Legal name

InstaBrain, Inc.

Website

https://instabrain.io

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

InstaBrain is a Scottsdale-based insurtech operating an instant-decision digital insurance platform that enables consumers and independent agents to quote, apply, and receive underwriting decisions in minutes across term life, whole life, disability, and supplemental products, powered by its proprietary "Brain" selection engine and partner carrier integrations.

Ownership category

akta.pro rank

Product category

Insurance Technology (InsurTech)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life Insurance Carriers (524113)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Instant decision insurance
• Digital insurance platform
• Life insurance underwriting
• Insurtech platform
• Agent enablement software

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance Sales Commissions: InstaBrain earns commissions from insurance carriers when policies are sold through the platform. Agents receive high commission payouts with weekly payment options and annualization available. The platform supports commission structures above industry average with 130% commission rates mentioned.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core offering

InstaBrain operates a unified digital insurance platform that enables consumers and agents to quote, apply, underwrite, and secure life insurance policies through a 100% digital, instant-decision sales journey. The platform distributes a portfolio of proprietary and carrier-partnered life insurance products including Term Life with Living Benefits, Guaranteed Issue Whole Life, Accidental Death, Final Expense, and Disability Insurance, powered by the proprietary "Brain" selection engine and patent-pending "KickIt" collaborative application technology. Revenue is generated through commissions earned on policies sold via the platform by agents, agencies, BGAs, and direct consumers.

Product overview

InstaBrain is a unified digital insurance platform offering instant-decision underwriting for multiple insurance products. The platform centers on the 'The Brain' AI selection engine and features patent-pending KickIt collaborative application technology. It provides a portfolio of proprietary and carrier-partnered insurance products including Term Life (with Living Benefits), Guaranteed Issue Whole Life, Accidental Death, Final Expense, and Disability Insurance—all accessible through a 100% digital, instant decision sales journey.

Differentiator

Problem solved

Functional benefit

Brands

• KickIt: Industry's first collaborative insurance application technology allowing agents to collaborate with clients in real-time during the insurance application process.

Products and services

• InstaBrain Platform A one-of-a-kind instant-issue digital insurance platform that assists consumers and agents with quoting, applying, underwriting, and securing insurance policies in one seamless online experience, offering a 100% digital, instant decision sales journey.
• Term Life Insurance with Living Benefits Flagship term life insurance product with living benefits included, available for instant approval through the InstaBrain platform.
• Guaranteed Issue Whole Life Insurance Whole life insurance product with guaranteed approval, offered through InstaBrain's instant decision platform.
• Accidental Death Insurance Accidental death benefit insurance product available for instant approval through the platform.
• Final Expense Insurance Final expense insurance product designed for end-of-life coverage needs, available through the instant decision platform.
• Disability Insurance Disability insurance coverage available for instant approval through the platform.

Quantifiable outcome

• 99% approval rate
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• Fidelity LifecoreChannel Partner/ Reseller/ DistributorOfficial partnership bringing InstaBrain's new insurtech platform to thousands of agents. Fidelity Life offers permanent and term life insurance policies, was named one of America's Best Insurance Companies in 2025 by Forbes and Statista for the third consecutive year and holds an A- rating from AM Best.
• Brokers AlliancecoreChannel Partner/ Reseller/ DistributorOne of the largest life insurance brokerages distributing 21st century solutions to insurance professionals. Through this partnership, Brokers Alliance uses InstaBrain's cutting-edge technology to give agents an instant-decision platform to guide their clients through the 100% digital sale.
• LifeQuotes.comcoreChannel Partner/ Reseller/ DistributorStrategic partnership integrating InstaBrain's state-of-the-art, AI-powered instant-decision underwriting with LifeQuotes' extensive comparative quoting platform across auto, life, health, and business insurance, drastically reducing time required to purchase tailored life insurance coverage.
• Hannover Life Reassurance Company of America (hr | ReFlex)coreTechnology or IntegrationDigital underwriting platform powered by hr | ReFlex, Hannover Life Reassurance Company of America's automated underwriting system. This technology enables real-time underwriting capabilities for InstaBrain's instant-decision insurance products.
• Data Analytics FirmssupportingStrategic or Co-development PartnerCollaborations with data analytics firms that refine underwriting processes and enhance risk assessment accuracy.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Quotacy: Quotacy is an online life insurance broker that compares policies across carriers and provides expert agent guidance. Comparable to InstaBrain's hybrid agent + digital distribution approach.
• Bestow: Bestow is a digital life insurance carrier that uses ML underwriting to issue term life policies in minutes without medical exams. Directly comparable technology and product offering to InstaBrain's instant-issue platform.
• SelectQuote: SelectQuote is an online distribution platform that shops life and other insurance products across multiple carriers via a digital and agent-assisted flow. Comparable to InstaBrain's marketplace and agent-assisted distribution model.
• Haven Life: Haven Life (a MassMutual subsidiary) provides instant-decision term life through automated underwriting, serving consumers directly online. Comparable to InstaBrain's consumer-facing instant-issue flow.
• Ethos: Ethos is a venture-backed life insurtech offering instant-decision term and whole life policies through a digital application, with ML-driven underwriting. It is the closest direct competitor to InstaBrain in the instant-issue life insurance category.
• Surance: Surance.io is an embedded life insurance platform that distributes coverage via partner apps and digital channels using automated underwriting. Comparable to InstaBrain's API- and partner-embedded distribution model.
• Ladder: Ladder offers instant-issue term life insurance with a fully digital application and algorithm-driven underwriting. It competes head-to-head with InstaBrain's flagship term life with living benefits offering.
• Policygenius: Policygenius is a leading online insurance marketplace that compares and distributes life, disability, and other policies from multiple carriers. Comparable to InstaBrain in agent- and consumer-facing digital life insurance distribution.
• Breeze: Breeze offers simplified-issue term and final expense life insurance with automated underwriting and a digital application. Comparable to InstaBrain in targeting non-medically underwritten, fast-decision life products.

Broad incumbents

• Lemonade: Lemonade is a publicly-traded AI-first insurtech using behavioral data and automation in underwriting. Though primarily home/renters/auto/car, its technology-first distribution approach is broadly comparable to InstaBrain's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/instabrain

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InstaBrain, Inc