INSTANDA vs Korint (2026)
Both sell no code policy administration to insurers, MGAs and brokers, and the choice turns on where each puts its AI and how much of the estate it covers. INSTANDA, launched in London in 2015, lets business teams design, rate and distribute products across property and casualty, complex commercial, life and health and group protection. Its 2026 AI products work for underwriters: MAX categorizes tens of thousands of assets under one commercial policy in real time and drafts wording, and Clear supports complex cases that need human judgment. Claims comes through a partner. Korint, founded in Paris in 2022, includes its own claims module, and its AI sits in servicing and claims: agents handle cancellations and endorsements within a client set scope, and every claim gets a document fraud score against the insurer's threshold. INSTANDA runs on Microsoft Azure with single tenancy on request, and Korint runs on AWS in Ireland and Paris. Both report ISO 27001, and Korint adds a SOC 2 Type 2 report and a published $10,000 a month price.
- Commercial schedules run to thousands of assets. INSTANDA's MAX product underwrites tens of thousands of assets under one policy in real time, at portfolio and item level, and drafts wording.
- Life, health or group protection sit beside property and casualty. INSTANDA covers them on the same platform.
- A dedicated environment is required. INSTANDA builds a single tenant stack on request, beside its multi tenant default.
- Operations already run on ServiceNow. INSTANDA offers an integrated policy administration and workflow proposition with ServiceNow.
- Claims should sit in the same platform. Korint includes its own claims module with document fraud scoring, where INSTANDA relies on a partner.
- Servicing is the volume problem. Korint's agents handle cancellations, endorsements and chasers within a scope you define.
- The business writes in France. Korint builds in French vehicle registries and broking data exchange.
- Pricing must be known before a call. Korint lists $10,000 a month on AWS Marketplace with no integration fees.
This comparison is published by AI FinTech Index, an independent research platform that publishes independent ratings of AI vendors for financial services. INSTANDA and Korint are each graded against the same capability taxonomy, from each vendor's own public materials and the regulatory record, under the AI FinTech Index verification standard. No vendor pays for placement, and no vendor has reviewed this page. How this evidence is graded
Plain facts
| INSTANDA | Korint | |
|---|---|---|
| Primary category | Insurance AI | Insurance AI |
| Founded | 2015 | 2022 |
| Headquarters | London, England, United Kingdom | Paris, France |
| Website | instanda.com | www.korint.io |
Side by Side
Select any grade to read the note behind it.
| Axis | I INSTANDA |
K Korint |
|---|---|---|
| AI Centrality | ||
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| Model Risk Management and Transparency | ||
| Operational and Outcome Evidence | ||
| AI Safety and Data Stewardship | ||
| GLBA and Data Privacy Posture | ||
| Security Certifications and Trust Center | ||
| Regulatory Status and Licensure | ||
| AI Governance and Bias Disclosure | ||
| AI Liability and Recourse | ||
| Model Supply Chain Disclosure | ||
| Core Systems and Integration Depth | ||
| Deployment Model and Data Residency | ||
| Commercial Transparency | ||
| Institution and Segment Coverage |
The short version of each
INSTANDA
INSTANDA, founded in London in 2015, sells a no code policy administration and digital distribution platform to carriers, MGAs and brokers across property and casualty, complex commercial, life and health and group protection, on Microsoft Azure with single tenancy on request. Its MAX product underwrites tens of thousands of assets under one commercial policy at item level and drafts wording, and its Clear product supports complex cases that need human judgment. Claims comes through its partnership with Benekiva.
Source: AI FinTech Index, 2026
Korint
Korint, founded in Paris in 2022, sells a modular core with its own claims module to European property and casualty insurers, MGAs and delegated brokers. Its agents handle cancellations, endorsements and chasers within a client set scope, every claim gets a document fraud score against the insurer's threshold, and an AI Companion answers portfolio questions in plain language. It runs on AWS in Ireland and Paris and lists a $10,000 a month Standard Plan on AWS Marketplace.
Source: AI FinTech Index, 2026
Common questions
Which suits a specialty MGA, INSTANDA or Korint?
According to the AI FinTech Index, INSTANDA is the closer fit for complex commercial and specialty schedules, where MAX categorizes assets at item level and Clear supports underwriter judgment. Korint suits French property and casualty books where servicing and claims volume drive the cost.
Does INSTANDA's or Korint's AI price or decide on its own?
INSTANDA frames its AI as underwriter first, though MAX's item level categorization shapes pricing in real time and no referral triggers are published. Korint's servicing agents act within a client defined scope, and claims above the insurer's fraud threshold go to a handler. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
What security evidence can a buyer get from INSTANDA and Korint?
INSTANDA holds ISO 27001:2022 across its global operations and hosts a trust portal on a third party platform. Korint's trust center lists ISO 27001:2022 and a SOC 2 Type 2 report. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
Where do INSTANDA and Korint host data?
INSTANDA runs on Microsoft Azure, multi tenant by default with a dedicated stack built on request. Korint runs on AWS in Ireland and Paris and says data stays in Europe. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
Related comparisons
Other published head to head assessments involving these vendors or their closest peers. The full set for this category is on the Insurance AI page.
INSTANDA is privately held, with roughly $45 million raised, and its claims capability comes through a partnership with Benekiva rather than its own module.