Root | API-first platform for modern insurance strategies

How it works

We’ve solved the infrastructure so that you can focus on your customers

Low-code product Workbench

Autonomously prototype and launch programmable, API-ready insurance products.

Root’s low-code environment eliminates the technical barriers to creating and delivering products and experiences your customers want. No limits.

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Proven RESTful APIs

Open up new sales and engagement channels, from embedded to chats, integrate into other systems and the broader ecosystem.

Root’s well-documented, comprehensive suite of APIs makes it easy and fast for technical teams to consume and integrate with real-time interaction.

Read the docs

End-to-end insurance operating system

Manage the full policy life cycle, optimise data enrichment and solve for back office processes.

Root’s core digital policy administration system works end-to-end, from quote generation, policy administration, premium collection, reporting to claims and more.

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Designed for Innovators

Take control and build your differentiation with ultimate flexibility

With direct access to Root's low-code product Workbench and pre-configured, customisable product starter templates, teams can build modern insurance products tailored to your ideal distribution channel or customer experience. Cater for unique edge cases, test your products with customers and benefit from more time in the market, testing, iterating and building out your differentiation.

Get started with Workbench

Get a quote

Create a policyholder

Create an application

Add payment details

Issue the policy

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/* Require the Root library and initiate it with a secret key */
const root = require('root-insurance')('MY_ORGANISATION_SECRET_KEY');
‍
/* Generate a term life insurance quote */
const quotePackages = await root.createQuote('term-life', {
  coverAmount: 2000000 * 100,
  coverPeriod: '5_years',
  basicIncomePerMonth: 48000 * 100,
  educationStatus: 'undergraduate_degree',
  smoker: false,
  gender: 'female',
  age: 27
});
‍

/* Create a new policyholder */
const policyholder = await root.createPolicyholder({
  firstName: 'Sam',
  lastName: 'Harper',
  email: 'sam@example.com',
  cellphone: '0827030829',
  id: {
    type: 'id',
    number: '8908054800087',
    country: 'ZA'
  }
});
‍

/* Create an application from the quote */
const application = await root.createApplication({
  package: quotePackages[0],
  policyholder,
  monthlyPremium: 320 * 100
});
‍

/* Add payment details */
const debitOrder = await root.createDebitOrder({
  policyholder,
  accountNumber: '1337098765',
  bank: 'ABSA',
  branchCode: '623005'
});
‍
/* Assign the payment details to the policyholder */
const paymentMethod = await root.assignPaymentMethod(application, debitOrder);
‍

/* Issue a policy from the application */
const policy = await root.issuePolicy(application);

Product Starter Templates

Launch an MVP tomorrow

Pre-configured, customisable product starter templates include essential product functionality for launch. This means more time in the market, iterating and concentrating on building out your differentiation.

Supercharge your product launch with Root's product starter templates or build new products from scratch.

Explore supported products

Pricing Engine

Tailor your insurance products with unique pricing models

Design insurance products that aren’t limited by traditional pricing approaches. Root is built to support any unique data set, AI and machine learning techniques, on-demand pricing models and much more.

Read the docs

Collections

Enable your preferred premium collection method

Offer your customers the collection methods that work for them.

Root caters for premium collection via direct debit, debit order, credit card, EFT, or custom payment system integrations.

Collection features:

Automated payment notifications
Any-day recurring billing and pro-rata collections
On-demand collections
Automated retries
Multiple payment methods
Off-platform external system collections
Integrated payment providers

Explore collection add-ons

Compliance

Leverage your insurance data

Solve compliance and drill down into your insurance data with Root's flexible data model and data tooling that interacts with your favourite analytics software.

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Data Management

Seamlessly access and sync your data

Get secure and flexible access to all of your insurance data and maintain a synchronised customer database across systems with Root’s advanced Data Management tooling.

Easily configure real-time event-based webhooks, schedule automated SFTP, HTTPS or AWS S3 data downloads, or integrate your BI tools and data warehouses with the Root Data Adapter to ensure that all of your systems and teams are in sync and have access to the data they need.

Read the docs

Claims

Handle claims efficiently

Root packages everything you need to process claims, including configurable roles and workflows, document management, automated policyholder communications, seamless interaction with claims assessment partners and benefit payouts.