BackNine

What BackNine does

BackNine Insurance and Financial Services Inc. is a private insurance technology company founded in 2003 and headquartered in Westlake Village, California. The company operates a dual-product cloud platform—BOSS (Back Office Support System) and Quote & Apply™—that enables insurance professionals, agencies, and vertical-market organizations such as banks and credit unions to sell and manage life, long-term care, disability, and annuity products. BOSS provides real-time case management from submission through commission, with built-in quoting integrations, KPI reporting, and policy lifecycle management; Quote & Apply™ delivers multi-carrier digital quoting and electronic application submission across 130+ top-rated U.S. carrier partnerships, with AI-assisted product recommendations, DocuSign eSignature integration, and a needs analysis calculator. The platform runs on AWS infrastructure, holds SOC 2 Type 2 and PCI Level 1 compliance, and integrates with Patrina's Singular CRM for unified insurance and compliance workflows.

BackNine monetizes through two distinct channels. In its primary model, the company acts as a general agent: it processes carrier appointments and earns general-agent commissions from carriers while individual agents retain 100% of their own commissions and use the platform free of charge. For BGAs, IMOs, and agencies that prefer to use their own general-agency contracts, BackNine offers SaaS licensing with a $3,000+ setup fee plus usage-based fees. Distribution is hybrid—self-serve online registration with Quote & Apply setup in under 5 minutes for individual agents, combined with direct sales and demo scheduling for enterprise and vertical-market prospects. The company reports 1–10 employees, has no disclosed institutional funding, and has been recognized by CIO Applications as a top insurance technology solutions provider and featured in Broker World Magazine.

Name

BackNine

Legal name

BackNine Insurance and Financial Services Inc.

Website

https://back9ins.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

BackNine provides a cloud-based insurance platform—BOSS case management and Quote & Apply™ multi-carrier quoting—for individual insurance agents, agencies, and vertical markets like banks and credit unions, monetizing via carrier commissions and SaaS licensing fees.

Ownership category

akta.pro rank

Product category

Insurance Technology (InsurTech)

NAICS

Insurance Agencies and Brokerages (524210), Finance and Insurance (52)

SIC

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

akta.pro primary industry

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)

Keywords

• Insurance technology platform
• Multi-carrier quoting
• Insurance case management
• Electronic insurance applications
• Insurance agency software

Headquarters

HQ city

Westlake Village

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Agent Commission Revenue: BackNine operates as a general agent earning commissions from insurance carriers. For Agent pricing, BackNine processes carrier appointments and earns general agent commission while agents receive full agent commission (100%). The carrier pays the agent their commission and BackNine the general agent commission.
2. SaaS Software Licensing: For BGAs/IMOs and agents wanting to use their own general agency contracts, BackNine offers SaaS licensing with a setup fee of $3,000+ plus additional fees. BackNine does not earn commission from carriers in this model and is paid a fee for use of the software.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

BackNine provides cloud-based insurance technology that simplifies the selling of life, long term care, disability, and annuities through two integrated products: BOSS, a back-office case management and policy lifecycle platform, and Quote & Apply™, a multi-carrier digital quoting and eApplication engine. The platform serves insurance professionals, agencies, and vertical markets (banks, credit unions) with access to 130+ carrier partnerships, AI-powered product recommendations, and built-in DocuSign e-signature integration.

Product overview

BackNine provides a dual-product platform for insurance professionals: BOSS (Back Office Support System) serves as the core cloud-based management hub handling policy lifecycle, case management, commissions, and reporting with access to 130+ carrier partnerships, while Quote & Apply™ operates as the multi-carrier digital sales engine for real-time quoting, product comparison, AI-assisted recommendations, and e-signature-enabled applications. These products integrate with each other—BOSS seamlessly connects with Quote & Apply™ for quoting—enabling agents to manage their entire business workflow from lead generation through commission payout.

Differentiator

Problem solved

Functional benefit

Brands

• BOSS: Back Office Support System - Real-time case management from submission to commission in the cloud with 24/7 support.
• Quote & Apply™

Products and services

• BOSS (Back Office Support System) Cloud-based policy lifecycle management platform providing real-time case management from submission to commission for insurance professionals and agencies. Features built-in dashboards for commissions, pending cases, quoting, and reporting, with access to 130+ carrier partnerships, Tasks, Details, Parties, Commissions, Documents, Timeline, and Chat modules, plus pre-built KPI reports and 24/7 support.
• Quote & Apply™ Multi-carrier digital quoting and eApplication platform enabling agents and their customers to compare products, generate quotes, and complete electronic applications 24/7. Supports 22 carriers with AI-powered product recommendations across Accidental Death, Accumulation Indexed Universal Life, Final Expense, Guaranteed Universal Life, Long Term Care, Protection Indexed Universal Life, Return of Premium, Term, Universal Life, and Whole Life products, with built-in DocuSign eSignature integration.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature5 records

Partnerships

One partnership is on record.

• PatrinacoreTechnology or Integration · 13 December 2025Patrina integrated its Singular CRM platform with BackNine's Quote & Apply platform to streamline insurance workflows for financial advisors. The integration allows advisors to generate quotes, submit applications, and maintain compliance within their CRM, enhancing operational efficiency. This partnership enables unified insurance and compliance workflow management.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SuranceBay: SuranceBay provides a life insurance sales, compliance, and e-application platform widely used by independent agents, BGAs, and carriers. Its product set (Term, Whole, UL, Annuity, LTC quoting and forms) directly competes with BackNine's Quote & Apply offering.
• Tarmika: Tarmika provides a multi-carrier commercial and personal lines quoting platform for insurance agents and agencies. It is directly comparable as a multi-carrier quoting and workflow tool targeting independent producers, similar in positioning to BackNine's Quote & Apply.
• Sureify: Sureify delivers a digital engagement, sales, and in-force platform for life and annuity insurers and their distribution partners. It competes in the same life-insurance agent and carrier enablement category as BackNine with overlapping e-application and agent workflow capabilities.
• iPipeline: iPipeline is a long-established life insurance and annuities digital platform providing quoting, e-application, illustration, and policy administration to agents, BGAs, and carriers. It directly overlaps BackNine's BOSS and Quote & Apply use cases for life and annuity distribution.
• AgentSync: AgentSync is an agent onboarding, licensing, appointment, and compliance management platform for insurance carriers, agencies, and MGAs. It overlaps with BackNine's carrier-appointment processing and BGA/IMO compliance workflow on a broader scale.

Emerging players

• InsurGrid: InsurGrid is an insurance technology platform for agencies and agents that streamlines client data intake, quoting, and policy management. It is an emerging competitor to BackNine in the agent workflow and CRM-integrated experience space.

Broad incumbents

• EverQuote: EverQuote is a publicly traded online insurance marketplace that connects consumers with insurance agents and carriers, with a strong presence in life and auto. It is a broader incumbent competing for the same agent-consumer distribution motion BackNine targets with its quoting and lead tools.

Regional players

• Efinancial: Efinancial is an online life insurance agency that distributes life policies through carrier partnerships and digital channels. It shares BackNine's general-agency, multi-carrier life distribution model, though with a more consumer-direct focus rather than a B2B agent platform.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Back9ins

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 BackNine