Insurance platform features

The platform combines product configuration, distribution management, underwriting workflows and policy administration with white-label customer journeys and secure partner access.

Built for regulated insurance environments, Garansure supports GDPR requirements and is designed with DORA operational resilience principles in mind.

Platform capabilities

Garansure is structured around core insurance capabilities rather than isolated modules, enabling insurers, MGAs and brokers to operate across the entire insurance lifecycle.

Product builder

Create and configure insurance products with flexible rules, structured data models and reusable components.

• Product, plan and coverage configuration
• Question-based underwriting and eligibility flows
• Reusable insurance templates and surveys
• Dynamic sections and configurable wizard steps
• Plan selection and pricing logic integration
• External quote engine integration (API-based)

Products can be linked to external pricing or underwriting engines, enabling flexible integration with insurer or MGA systems.

Customer quote and buy journeys

Deliver fully branded, digital insurance journeys through secure tenant and partner domains.

• White-label quote and buy wizard
• Multi-language support (EN, IT, FR)
• Progress saving and resume journeys
• Returning customer recognition via secure OTP links
• Consent capture and version tracking (GDPR aligned)
• Document upload and policy issuance flows

Each journey can be fully customized per product.

Broker and partner management

Manage brokers, sub-brokers and distribution partners through a hierarchical, role-based system.

• Partner and sub-partner hierarchy
• Scoped role-based access control (RBAC)
• Commission structures and overrides
• Client and subscription management
• Subscription lifecycle tracking

Partners can operate independently while remaining fully connected to tenant products and governance rules.

Insurer and MGA administration

Insurers and MGAs can manage platform operations, configure products and control distribution across multiple partners.

• Tenant, user and partner management
• Product catalogue administration
• Underwriting approval workflows
• Segregation of duties for risk control
• Global search and operational oversight
• Tenant-level configuration and settings

Underwriting decisions can be reviewed, approved or rejected based on configured business rules and authority levels.

Multi-tenant architecture

Garansure is built as a secure multi-tenant SaaS platform where each insurer, MGA or broker operates within a logically and physically isolated environment.

• Database-per-tenant architecture
• Partner-level data segregation
• Scoped access control across all operations
• Multi-brand and white-label support
• Custom domains with DNS verification

This architecture enables secure scaling across multiple insurance organizations, brands and markets.

Workflow and lifecycle management

Manage the full lifecycle of an insurance subscription, from quotation and signature through in-force servicing to renewal, expiry, or cancellation.

• Status-based lifecycle from quote to expiration: quoted, awaiting signature, awaiting approval, pending review, active, suspended, expired, cancelled, or refused
• Approval and underwriting review before cover is activated
• Endorsements on in-force cover: contact details, payment details, and identity documents, plus cover changes that are re-quoted and recorded in an appendix
• Pause cover for a set period, with the option to move the expiry date by the paused days, or suspend cover with an optional restart date
• Cancel cover immediately or on a future date, with an indicative unearned premium
• Renewal window before expiry, opening a new application the client reviews and signs while the current policy runs to its end date
• Policy document generation from PDF templates, with the signed contract kept and servicing appendices added beside it
• Emails to the client and the broker when a status change or servicing action takes effect

Integrations and external systems

Garansure is designed to integrate with external systems through secure API connections.

• External pricing and quote engines
• Encrypted API configuration storage
• Digital signature providers (e.g. Namirial, YouSign and Docusign)
• Document generation and workflow services

Security and governance (overview)

Security, governance and auditability are core to the platform design.

• Multi-factor authentication (2FA)
• Role-based access control
• Step-up authentication for sensitive actions
• Audit logging and activity tracking

Full details are available in the Security & compliance section.

Compliance and data protection

Garansure supports organizations in meeting GDPR requirements and is designed with DORA operational resilience principles in mind.

• Audit log export and traceability
• GDPR data subject request support (export / deletion)
• Consent tracking with version control

Learn more in our GDPR and DORA readiness pages.

Why Garansure

Unlike traditional insurance systems that separate product, distribution and policy administration, Garansure unifies the entire insurance lifecycle into a single platform.

• Faster insurance product launches
• Unified distribution across brokers and partners
• Flexible API-based integrations
• Build and manage your own insurance products and subscription
• White-label insurance experiences