Quote and bind platform
Real-time rating and instant bind flows that convert shoppers before they bounce.
Insurance & Insurtech
Quote,Bind,andClaim.
Legacy insurance software makes every quote and claim a slog. We build fast, compliant digital experiences that shorten cycle times and keep policyholders from churning.
0%
Faster quotes
0%
Shorter claims
0.0x
Digital conversion
Xephlo
Insurance
Trusted by teams at
NETFLIXebayMashablefacebookSAMSUNGSpotify
UnderwritingWithouttheFriction
Buyers expect an instant quote and a self-serve claim, but most carriers are stuck on decades-old core systems. We build modern quoting, policy, and claims apps that sit cleanly on top of your policy admin system and rating engine. Every workflow is designed around the regulatory reality of writing across multiple states.
Instant quote and bind flows
Self-service claims with photo intake
Automated underwriting rules
State-by-state compliance built in
ProblemsWeSolve
The friction points that quietly cap growth in insurance, and how we engineer them away.
Painfully slow quoting
Multi-page forms and manual rating make buyers abandon before they ever see a price.
State-by-state regulation
Every state has its own filings, rate rules, and disclosures that generic software can't handle.
Manual, drawn-out claims
Paper-heavy claims processing drags cycle times and drives policyholders to competitors.
Rigid legacy core systems
Aging policy admin platforms make even small digital changes slow, risky, and expensive.
Fraud and leakage
Without smart intake and detection, fraudulent and inflated claims quietly erode the loss ratio.
WhatWeBuild
The products insurance teams come to us for, from first MVP to a platform at scale.
Digital claims app
Guided first notice of loss with photo and video intake that speeds triage and payout.
Policy management portal
Self-service endorsements, documents, and renewals that cut call-center load.
Automated underwriting engine
Rules-based and data-enriched underwriting that prices risk faster with fewer referrals.
Agent and broker portal
A distribution hub where agents quote, submit, and track business in one place.
Fraud detection layer
Anomaly detection and evidence capture that flag suspicious claims before they pay out.
EveryCapabilityYouNeed
The building blocks of a modern insurance product, engineered once, hardened in production.
Real-time rating
Photo claim intake
Premium payments
E-signature and docs
Renewal reminders
Multi-state rules engine
Policy admin integration
KYC and fraud checks
ComplianceAcrossEveryState
Insurance software fails the moment it ignores regulation, and rules change line by line and state by state. We build configurable compliance into the core, from rate and form filings to state-specific disclosures, and we integrate with the policy admin and rating systems you already run. Sensitive data is handled to the security standards regulators and auditors expect.
State-by-state rate and form compliance
NAIC data reporting alignment
SOC 2 and encryption for PII
Guidewire and Duck Creek integrations
HowWeWork
A clear, collaborative process, you always know what's happening this week and what lands next.
01
Discover
We map your users, competitors and the metrics that matter before a line of code.
02
Design
Prototypes we test with real users, then a design system your team can build on.
03
Build
Two-week sprints with working software you can click at the end of every one.
04
Harden
Automated tests, security review and load testing on the devices your users own.
05
Launch
Store submission, day-one monitoring and a war room until the numbers settle.
06
Scale
We watch the data, patch fast and keep shipping, so the product keeps compounding.
TheStackWeTrust
Battle-tested tools your team can hire for and maintain, not exotic bets with your budget.
React
Next.js
TypeScript
Node.js
Flutter
Swift
Kotlin
PostgreSQL
Firebase
GraphQL
Docker
Python
WhyXephlo
The reason insurance teams keep coming back isn't magic, it's a handful of things we refuse to cut corners on.
Domain-first, not template-first
We start from your sector's real constraints, not a generic boilerplate we bolt your logo onto.
Built to scale from day one
Architecture that holds up when your traffic, catalog or user base multiplies.
Compliance baked in
The standards your industry demands are designed in from the start, not patched later.
One accountable team
Strategy, design and engineering under one roof, no finger-pointing between vendors.
0%
Faster quotes
0%
Shorter claim cycle
0%
Lower call volume
0.0★
Policyholder rating
FEATURED BUILDDiscuss a build like this
Meridian Mutual, a claims app that cut cycle time in half
A regional carrier's claims ran on phone calls, email, and paper, dragging cycle times past industry benchmarks. We built a guided digital FNOL app with photo intake, automated triage, and fraud flagging, integrated with their existing core system. Payouts got faster and fraudulent claims got caught earlier.
-48%
Claim cycle time
3.1x
Digital conversion
-19%
Claims leakage
“We shipped a modern claims experience without ripping out our core system, and cut cycle time nearly in half. Our adjusters and policyholders both noticed within the first month.”
Karen Delgado
SVP Claims, Meridian Mutual
WaystoWorkWithUs
Flexible engagement models that fit how you like to build, pick one, or switch as you grow.
Fixed Scope
A defined build, a fixed price, a clear timeline. Best when the requirements are locked.
Best for MVPs & clear specs
POPULAR
Dedicated Team
A full squad, PM, design, engineering, plugged into your roadmap month to month.
Best for scaling products
Staff Augmentation
Drop senior engineers into your existing team to move faster, right now.
Best for extra capacity
CalculatetheROIOfYourAppProject
Every dollar you invest with us should earn its keep. Estimate the return on your upcoming app project in just a few minutes.
Step 1 of 4 · Development
Development Costs
One-time cost to build your app
Servers, updates, support per month
Scope & features level
Where your app will live
Questions,Answered
Yes. We build modern experiences on top of platforms like Guidewire and Duck Creek through integration rather than costly full replacement.
ModernizeWithouttheRip-out.
Let's build quoting and claims experiences that convert while staying compliant everywhere you write.