Three platforms. All live. All real.
Not a portfolio of concepts — working software, in active use today, built for the specific jobs that are hardest to get right in insurance and reinsurance operations.
The platform behind everything else we've built. Smartek InsureX runs the full reinsurance underwriting lifecycle — from the moment a broker submission arrives to the moment a risk renews — with AI assisting underwriters at the points where it genuinely saves time, not replacing their judgement.
Submission & underwriting
Automated broker mailbox monitoring, AI-assisted document extraction, structured risk creation, and a full underwriting workflow through to bind and renewal.
Governance & control
Binder-level line size limits, two-tier supervisory approval, and a full audit trail behind every decision.
Catastrophe modelling
A proprietary in-house CAT modelling capability built on open scientific datasets — currently in beta and under active validation, not yet relied on as sole pricing input.
Finance & reporting
Debit note management, payment tracking, and live underwriting and portfolio reporting.
Claims
Claims registered, tracked, and linked to risk records — feeding underwriting and renewal decisions with real loss history.
AI, used carefully
Document intelligence assists underwriters with extraction and summarisation. Every AI output is reviewed by a human before it's acted on.
Built specifically for Takaful insurance business — a different underwriting model and a different distribution approach, with its own dedicated platform rather than a bolted-on module.
API-driven distribution
Brokers submit risk requests directly from their own systems — no email, no re-keying, no manual submission handling.
Straight-through processing
A configurable pricing and underwriting rule engine automatically approves and issues policy schedules for qualifying business — evaluating property limit, pricing indices, building condition, claims history, and renewal loyalty.
Manual review where it matters
Anything outside the rule engine's parameters is routed to a human underwriter — not auto-approved by default.
Mid-term adjustments
Unlike new business, which arrives via API only, brokers can submit mid-term adjustments either through their own system or directly via a dedicated broker portal — their choice, with the same automated-or-reviewed logic either way.
Purpose-built financial reporting
Contribution, participant fund position after Wakala fees, liability premium, IPT, commission, retention, and work-out — reporting built for how Takaful actually works.
Broker & compliance management
Centralised broker records, KYC/KYB, and automated AML and PEP screening with full audit traceability.
Real-time visibility into customer engagement and sales performance — built for teams who need to see what's happening now, not in next month's report.
Customer engagement
Real-time visibility into customer interactions as they happen.
Sales support
Tools that support your sales team in the moment, not after the fact.
Lead metrics
Live tracking of lead activity and pipeline movement.
Sales performance
Real-time visibility into individual and team sales staff performance.
Smart Sat turns satellite imagery into a claims ready damage assessment, not just a picture to interpret yourself. A pre event image establishes what a property looked like before loss occurred. A post event image, captured as soon as satellite passes allow, shows what changed. Smart Sat compares the two, identifies what is different, and delivers a structured assessment of the damage, giving claims teams a clear answer within hours of an event rather than a raw image and a guess.
First notification of loss
Pre and post event imagery gives claims teams an early, objective read on damage extent, often before a formal claim has even been lodged.
Catastrophe exposure verification
Imagery derived damage indicators are cross checked against insured locations with a resolvable coordinate.
Underwriting support
Property condition and surrounding risk factors visible from imagery supplement the information gathered during underwriting.
Fraud and dispute support
Before and after imagery gives claims teams an independent, third party reference point when the extent of reported damage needs to be verified.
Claims triage and prioritisation
Following a large scale event, imagery makes it possible to see at a glance which properties show visible damage and which do not.
What's coming next
Two more platforms are in development. Not live yet, so we're not going to describe features they don't have — here's the honest, high-level direction.
InsightX
Analytics & executive dashboards — portfolio and performance visibility across the platforms you already use.
AI Studio
AI services for insurance, offered as a standalone capability rather than bundled into a single platform.
See what a live platform looks like
Most demos show you a concept. Ours shows you something already running.