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Take your insurance business to the next level

Rapidly launch new products and open digital distribution channels to drive growth in your insurance business.

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Launch new insurance products, fast

Set your business apart by bringing new insurance products to market faster than ever.

Reach more customers through new channels

Deliver first-class insurance experiences across all your customer touch-points.

Simplify compliance and focus on growth

Let us take care of all insurance administration, compliance and reporting.

Easily collect premiums

Increase conversion and reduce lapses by offering your customers the billing methods that work for them.

Root provides debit orders, credit card billing, EFT collections, and custom integrations into your existing systems, right out the box.

Premium collections involve more than simply collecting money. Root handles all aspects from customer communications to reconciliations and reporting, so that you don’t have to.

Billing Features

  • Automated payment notifications to your customers
  • Any-day recurring billing and pro-rata collections
  • On-demand product billing
  • Automatic retries and retention
  • Premium accounting and reconciliation

Solve compliance concerns, forever

Root takes your reporting duties completely off your hands, automatically delivering reports to your insurer, exactly as and when they are required.

We take on the full responsibility of keeping up to date with evolving compliance and reporting requirements, freeing you up to focus on delivering value to your customers.

Handle claims efficiently

Root packages everything you need to process claims, including configurable roles and workflows, document collection and management, automated policyholder communications, seamless interaction with cell-captive provider and benefit payouts.

  • Easily build a digital claims experience into your website or app
  • Automatically send notifications to your customers at every point in the claims process
  • Manage granular user roles throughout the claims process
  • Enjoy compliant, automated claims reporting

Effortlessly notify customers and track communications

Root takes care of notifying the policyholder at every critical moment in the policy life cycle, ensuring that they’re always kept in the loop.

You have access to a detailed audit trail of all communications with your customers, giving you peace of mind that your PPR compliance is in check.


Build your own experiences, with complete programmatic access

Root enables your product teams to focus on creating awesome insurance experiences for your customers using only code. Key insurance services are abstracted behind Root’s REST API’s, allowing your creative teams to function with the speed and agility they demand.

  • 1
    Get a quote
  • 2
    Create a policyholder
  • 3
    Create an application
  • 4
    Add payment details
  • 5
    Issue the policy
/* 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 = awaitroot.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);

We work with top reinsurers

Solutions for Scale

Root supports businesses of all sizes, from small single-founder startups to large national enterprises.

Enterprise Soulutions

Small Business

Earn up to 20% commission on the policies you sell.

  • Easily integrate your digital channels with our API and start selling
  • Select from a range of pre-approved insurance products
  • Online training and support materials
  • Limited support

What you need

A valid FSP license and approval from a Root powered insurance underwriter to sell insurance policies under their license.

Enterprise Soulutions

Enterprise

Sell insurance directly to your customers.

  • Dedicated integration support
  • Support in porting existing insurance book and master data management
  • Priority access to insurance expertise and support through our partner, Guardrisk
  • Premium support

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