Our Core Business-Driven Capabilities
Insurance compliance standards we follow
HIPAA
(Health Lines)
GDPR
CCPA
PCI DSS
SOC 2
ISO 27001
NAIC
Model Regulations
GLBA
Gramm-Leach-Bliley Act
IRDAI
(India Guidelines)
OWASP MASVS
Mobile App Security
NIST CSF
Cybersecurity Framework
Most policyholder calls ask questions the app should have answered. We build customer apps for viewing policies and ID cards, paying premiums, updating coverage, downloading documents, and tracking claims, with push reminders before renewals and missed payments. Fewer routine calls frees your service team for the conversations that genuinely need a person on the line.
Claims are where customers decide whether to renew. We build first notice of loss flows with guided photo and video capture, geotagged evidence, document upload, and live claim status, routed straight into your claims system. Adjusters receive complete files from the start, which removes the back-and-forth that drags settlements out for weeks.
Agents lose deals when quoting means switching between three systems. We build agent and broker apps with lead management, instant quoting, e-signature, policy tracking, and commission statements in one place, connected to your rating engine and CRM, so producers can quote, bind, and follow up from a client meeting instead of the office.
Long application forms kill conversion before underwriting even starts. We build digital quote journeys that prefill data from third-party sources, apply your rating rules in real time, and route complex risks to underwriters with a complete file. AI-assisted risk scoring can be added where your historical data supports it.
Legacy policy admin systems are often too risky to replace and too rigid to extend. As an insurance software development company, we wrap legacy cores with modern APIs, migrate data in phases, and build new digital channels on top, so you modernize the customer experience without betting the business on a big-bang replacement.
New products increasingly depend on real-time data and partner channels. We build telematics and IoT-driven pricing apps, embedded insurance APIs for e-commerce and travel partners, and on-demand coverage flows that let customers activate protection for a trip, a rental, or a single event at the moment they need it.
Years in Business
IT Professionals
Clients Worldwide
Projects Executed
Health plan members need to find providers, check benefits, and submit claims without calling. We build member apps with digital ID cards, provider search, pre-authorization status, and claim tracking, with HIPAA-aligned handling of every medical record they touch.
Life insurance sales stall on paperwork and medical underwriting delays. We build digital application flows, e-signature, beneficiary management, and policy servicing portals that shorten the time between a customer's decision and an issued policy.
Motor claims start at the roadside, often under stress. We build insurance mobile app experiences for drivers with accident reporting, photo-based damage capture, roadside assistance requests, and garage locators, plus telematics options for usage-based pricing.
Property claims depend on evidence gathered quickly after damage. We build apps for home inventory records, guided damage documentation, contractor coordination, and catastrophe-event claim handling that holds up when many policyholders file at the same time.
Brokers and MGAs juggle multiple carriers with different systems. We build portals that consolidate submissions, quotes, binders, and commissions across carriers, cutting duplicate data entry and giving principals a clear view of their book of business.
Startups need to launch fast while satisfying carrier partners and regulators. We build MVPs for digital-first insurance products with partner API integrations, compliant onboarding, and payment flows drawn from our fintech app development work, ready to scale beyond the first carrier.
Discovery & Compliance Mapping
We review your lines of business, core systems, distribution channels, and regulatory obligations, then deliver a spec covering architecture, integrations, data flows, timeline, and team size.
Architecture & Security
Our architects design API layers to your policy, billing, and claims systems, apply encryption and role-based access to every record, and plan audit logging regulators can review.
Development & Integration
We build in sprints with working software at the end of each, connecting rating engines, payment gateways, e-signature, and document systems as features come online.
Testing & Validation
We test quoting accuracy against your rating rules, run claims through end-to-end scenarios, and complete security testing, so calculations and data handling are verified before launch.
Launch & Support
We roll out in phases by product line or region, then monitor usage, patch vulnerabilities, and adapt the apps as regulations, products, and partner requirements change.
Your policy administration and claims systems hold decades of business logic. We integrate with them through careful API design and phased data migration rather than forcing a risky replacement. That approach lets you launch new digital channels quickly while your core keeps running the parts of the business it already handles well.
Xicom holds ISO/IEC 27001 and SOC 2 Type II certifications, and those practices carry into every build. Health records, financial details, and claim evidence are encrypted, access is logged and reviewed, and security testing happens before any release. Your compliance team gets documentation it can actually use in an audit.
An insurance app serves two audiences who want very different things. Policyholders want answers without a phone call, while agents want speed and fewer systems to switch between. We research both groups before design, so the final product reduces call volume and makes producers more productive at the same time.
Insurance rules, products, and partner requirements keep shifting. After launch, we handle updates for new regulations, product filings, integrations, and OS releases, along with monitoring and performance tuning, so your platform stays compliant without pulling your internal team away from product work.
Yes. Xicom builds MVPs for insurance products, from digital claims flows to quote-and-bind apps for insurtech startups. We scope the smallest feature set that proves value, validate it with real policyholders or agents, and then expand toward a full platform without rebuilding the foundation.
An insurance app development company designs and builds digital products for insurers, MGAs, and brokers: policyholder apps, claims platforms, agent tools, and quote engines. It also handles core system integration, data security, and regulatory alignment. Xicom covers this full scope, along with AI development for underwriting and claims use cases.
Cost depends on the lines of business you cover, the number of core system integrations, platform choice, AI features, and compliance requirements. A single claims app costs less than a full policyholder and agent platform. Share your requirements with our team for a project-specific quote.
Timelines vary by scope. A focused MVP moves faster than a platform integrating policy administration, billing, and claims systems. Access to legacy systems, security reviews, and regulatory sign-off also affect the schedule. We provide a detailed timeline after discovery.
We build native iOS and Android apps, cross-platform apps with Flutter or React Native, and web portals for agents, brokers, and internal teams. The right mix depends on whether your users are policyholders, producers, adjusters, or all three. See our mobile app development services for more.
We encrypt data in transit and at rest, enforce multi-factor authentication and role-based access, log access to sensitive records, and run security testing before each release. Data handling is aligned with HIPAA for health lines, GLBA for financial information, and GDPR and CCPA where they apply.
Yes. We connect apps to policy administration, billing, claims, CRM, and document management systems through secure APIs. Where legacy systems lack modern interfaces, we build an integration layer so new digital channels can read and write data without changes to the core platform.
Yes, where your data supports it. We build AI features for document extraction, damage assessment from photos, fraud flagging, and risk scoring, always with human review on decisions that affect payouts or coverage. Models are documented and monitored, so outcomes stay explainable to regulators and customers.
Xicom offers three models: Fixed Price for well-defined projects, Time & Material for evolving builds and modernization programs, and Dedicated Team for long-term product development. We help you choose the model that fits your project stage and budget structure.
Yes. We provide monitoring, bug fixes, security patches, and performance tuning, plus updates for new regulations, product changes, and operating system releases. Support can run on a retainer or through a dedicated team, depending on how actively your product roadmap is moving.