Platform

Take your insurance business to the next level

Rapidly build and launch digital products, unlock distribution and administer policies with Root.

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.

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.

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.

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
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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
Read the docs

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.

Learn more

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.

  • Easily build a digital claims experience into your website or app
  • Automate notifications to your customers at every stage in the claims process
  • Manage granular user roles throughout the claims journey
Learn more

THIRD-PARTY ACCESS

Work with brokers, intermediaries and TPAs of your choice

Open secure access to your teams and partners by ring-fencing access to policy data and products.

  • Data privacy and security: Ring-fence data access to applications, policies and insurance products for a specific group of users.
  • Reporting: Track the performance of your teams and your partners.

Policy notifications

Effortlessly notify customers and track communications

Configure automated email and SMS notifications to keep your customers informed at every critical moment in their policy life cycle.

A detailed audit trail of notifications triggered across more than 50 policy events solves monitoring and compliance.

Learn more

Customer engagement management

Engage your customers with Root

Manage policy administration and customer engagement in one place with Root’s powerful custom notifications tooling. Contact your customers via email, SMS and other notification services to build trust, keep them up to date, extend bespoke offers and amplify your marketing efforts. 

Leverage Root’s detailed notifications audit trail for communication trails and monitoring.

Learn more

Root Embed

Accelerate your speed-to-market

Launch new digital distribution channels in days, not months. Use Root Embed to transform your insurance solution into a seamless digital experience—from policy take-up to management. Our customisable, white-label frontends integrate into your existing customer journeys with just a few lines of code, making it faster and easier than ever to go digital.

Read more
Ready to get started with Root?