Your product, configured not coded
Questions, eligibility gates, conditional logic and rating live as configuration. Tightening a rule is a change to your product, not a release cycle.
For carriers, MGAs and program managers
Put your product in the market without building the software.
You have the appetite, the rates and the paper. iRater turns them into a working quote-to-bind flow — sold through the agents you appoint, or direct to the public under your own brand. No implementation fee, no licence. We earn when a policy binds.
Product setup
Configured1Product questions and eligibility rulesMapped
2Rating and underwriting logicMapped
3Branded quote-to-bind flowBuilt
4Forms, endorsements, renewalsWired
5Agent access and direct-to-consumer siteOpen
No engineering work on your sideLive
The problem
Good products wait years on IT
A carrier or MGA with a sound program should not need a six-figure platform contract and a year of implementation to find out whether producers will write it. Most of that spend rebuilds the same intake, the same forms and the same servicing workflow every other carrier has already paid for.
Quote through to service
Not a quote form bolted onto an inbox. Binding, ACORD forms, certificates, endorsements and renewals run in the same system.
Two ways to sell it
Your appointed agents quote it — only yours, at no cost to them. And your own consumer-facing site sells it direct. Same product, same rates, one place to change them.
You control who gets in
Access follows your appointments. We do not grant one on your behalf, and an agent appointed by several suppliers here works all of them from a single login.
You keep the paper
Your appetite, your rates, your forms, your brand on the flow. iRater is the rails underneath, not the underwriter — we never touch the risk, and nothing about running here puts your product in anyone else’s name.
After the sale
The servicing runs itself
Writing the business is the easy half. What follows — the calls, the certificates, the paperwork nobody wants to touch — is where the cost of a book actually sits, and where a policyholder decides what they think of you. On this platform most of it is handled the moment it arrives.
Calls get answered
An insured rings at four on a Friday. The call is answered, the request is handled, and a person steps in when it should be a person.
Certificates go out on their own
A holder emails asking for one. It comes back in the same thread, complete, with the schedule attached. Nobody opens a PDF editor.
Lenders get their answer
A mortgage company writes in wanting evidence of coverage. It goes back by email, the same day, without anyone picking up a phone.
What it costs
You pay when you sell
No setup fee, no seat licence, no annual minimum. We take a commission on business bound and renewed through the platform, at a rate that depends on the line and on who sold it — an appointed agent or your own site, the arrangement is the same. The platform is built to run at that price.
If the product does not write, it does not cost you anything.- Configuration, not developmentYour product is defined as a flow — steps, questions, rules, rating. Adding a coverage or tightening an eligibility gate is a change to that flow.
- Built inside a working agencyWe run our own book on this platform every day. It was built against live submissions, not a specification document.
- Any linePersonal auto, home, flood, trucking, general liability, workers comp, cyber, surety — the model is the same whatever you write.
Who is behind it
A licensed agency, not a software vendor
iRater is built and run by Insurox, an independent agency licensed in all fifty states and appointed with more than 150 carriers. Our own book runs on this platform every day.
- We use it before you doNothing reaches a carrier tenant that our own agents have not been living with on real files first.
- We know what a submission needsThe questions, the forms, the things underwriters send back — that came from doing the work, not from interviewing someone who does.
- You can check us outLicensed, appointed, BBB accredited, and reachable by phone. Ask around before you send us anything.
Bring us a product
Send us the appetite and the rating and we will show you what the flow looks like before you commit to anything.