Your operation has outgrown the systems running it.
We modernize quote-to-bind, claims intake, and carrier reporting for MGAs, MGUs, and program administrators, on top of the systems you already run, with the business live the whole time.
Built for delegated-authority operators
We work with MGAs, MGUs, program administrators, and specialty TPAs. You run quote-to-bind, binding, and claims on systems that were never built for the volume you handle now: homegrown tools, carrier-provided portals, and spreadsheets holding the bordereaux together.
We modernize those workflows on top of the systems you already run, with the business live the whole time. Inspiration Factory is led by Alonso Molina, who has spent more than fifteen years keeping mission-critical systems running in regulated industries: a global bank, a credit bureau, an airline, and a health-insurance processor. He and the senior team he leads bring that standard to insurance operators.
Four things that bring insurance operations to us
Quote-to-bind is slow or rigid, and every rate or product change waits on a developer.
Your team re-enters the same data between the rating system, the policy system, and email.
Bordereaux and carrier reporting are a manual scramble against a deadline every period.
Claims intake and document handling are manual, and the backlog keeps coming back.
We modernize the workflows your team lives in, on top of the systems you already run:
Quote-to-bind and rating. Faster quotes, and product or rule changes your own team can make, without waiting on a developer.
Submission and document intake. Automatic classification and routing, so your people handle the exceptions, not the volume.
Bordereaux and carrier reporting. Generated from the system, not assembled by hand in spreadsheets.
Claims intake, first notice of loss. A simple digital intake with identity checks and document handling.
We do not touch the regulated core. We close the gaps around it that your team is bridging by hand today.
How the engagement typically grows
01
Start with a defined engagement
A scoped modernization project — a claims portal, a quoting integration, a document automation workflow. Delivered by a small senior team with a clear output.
02
Grow into adjacent work
As the first system proves out, adjacent opportunities surface. We expand into the next workflow, the next integration, the next channel. The relationship deepens because the output is real.
03
Embed for the long term
Most of our insurance clients become multi-year relationships. We become part of the operational technology capability of the business — the team you pull in when the next hard problem surfaces.
Health declaration portal + risk evaluation engine — Bupa Chile
Replaced a paper health-declaration process with a real-time digital portal integrated with a risk evaluation engine we also built.
The old process required applicants to fill out paper health declarations, which were then manually reviewed and keyed into the risk evaluation system. We replaced the entire front-to-back workflow: a digital intake portal that guided applicants through the declaration, integrated in real time with a risk evaluation engine we built alongside it. The result was two systems — intake and evaluation — running as one continuous workflow. Both have been in production for years.
“Working with this team has been key to our operation at Bupa. They are not just a vendor that listens. They are a strategic partner that delivers impeccable management and a cost-benefit ratio aligned with today's market demands.”
Multi-channel platform modernization
Reale Chile
Migrated the legacy broker quoting tools the entire individual insurance channel depended on, with no production downtime. Expanded into direct sales, Affinity partnerships, and claims management over multiple phases. Multi-year engagement, still active.
Read the Reale case studyClaims self-service portal
Renta International
A claims self-service portal with identity verification and document handling, delivered in 30 days. Faster processing for the insurer, a clearer experience for insured clients.
Read the Renta case studyResults we have delivered in insurance
Reale: the broker quoting platform migrated with no production downtime, then expanded across four channels.
Renta: a claims self-service portal, live in 30 days.
Bupa: a paper health-declaration process replaced with a real-time digital portal and a risk evaluator we also built.
Our insurance delivery to date is with LATAM carriers — Reale, Bupa, and Renta. We bring that same standard to delegated-authority operators in the US and beyond.
Can a firm this size be trusted with a system this important?
It's a reasonable question. The systems we work on are the ones our clients cannot afford to get wrong. The honest answer is that our size is not a liability — it's how we maintain the quality of the work.
Large integrators staff your project with whoever is available, and the senior people who sold the engagement move on to the next sale. We don't have that problem. The team that delivers is the same team that commits. Alonso leads every engagement personally. The developers on your system are the same developers throughout. And we do not take on more work than we can staff with the right people.
Founder-led delivery on every engagement — not delegated after the sale
Multi-year relationships with Reale, Bupa, and Renta, among others
More than fifteen years of insurance technology delivery behind the work
Phased approach means no single point of failure on the migration
We will tell you plainly if an engagement is outside our capability
Security & data handling
Built to keep your regulated data where it belongs.
We modernize the workflows around your core — we do not centralize or export your policyholder data to run them.
We work on top of your systems.
Wherever possible your data stays in your environment and your cloud. We close the gaps around the regulated core without moving it.
Least-privilege, encrypted access.
Scoped credentials, encrypted connections, and access limited to what an engagement actually requires — revoked when it ends.
Data minimization by default.
We handle the minimum data a workflow needs. No shadow copies, no hoarding, and clear retention on anything we do touch.
We align to your compliance program.
Tell us the framework you answer to — SOC 2, ISO 27001, HIPAA, GDPR, or your local data-protection law — and we work inside your controls, audits, and reviews.
Ask for our security practices and we will walk your team through them before any data changes hands.
Platforms and technologies
Start the conversation
Let's talk about the system you can't take offline.
A short, focused conversation with the senior team about where your operation is bottlenecked and what a modernization path looks like. No pitch, no obligation, and you leave with our read on it.
No sales pitch. A 30-minute conversation about your operation.