TRUST — Digital Insurance Platform

TRUST is a complete digital insurance platform that lets insurers, brokers and insurtech businesses sell policies, collect premiums and manage claims entirely online. It has three parts that work together on one live database: a mobile app for customers, a web admin portal for staff, and a secure cloud backend. A policy bought on a phone shows up in the admin portal straight away.

TRUST is built for the Nigerian market, with naira pricing and ready-made motor, health, life, travel, property and business products. Every product, price and rule can be configured to suit your business.

Customer Mobile App

Product catalogue: browse every insurance product and plan, with coverage, limits and exclusions explained in plain language.

Instant quotes: answer a few quick questions and see the premium immediately, with a clear breakdown.

Buy online: accept a quote and get a policy issued in minutes.

Secure payments: pay premiums in the app’s wallet, with receipts saved automatically.

My policies: view coverage, beneficiaries, documents and history for every policy.

Easy renewals: get reminders before cover expires and renew with one tap.

Claims on the go: file a claim with photos and documents, then track its progress on a live timeline.

Documents: download certificates, receipts and claim files securely.

Identity verification (KYC): verify identity directly in the app.

Family cover: add dependants, beneficiaries and emergency contacts.

Account security: OTP verification, password reset and two-factor authentication.

Notifications: payment, renewal and claim updates.

Admin Portal

Dashboard: a live overview of policies, premiums, claims and customers.

Product builder: create and price insurance products and plans without writing code.

Underwriting: review quotes and approve, refer or decline applications.

Policy management: issue, renew, suspend and cancel policies, with a full history of every change.

Claims management: an end-to-end claims workflow, from first report to settlement.

Payments and finance: premium tracking with automatic payment reconciliation.

Customer management: customer records, KYC review and account control.

Agents and providers: manage sales agents, hospitals, garages and other partners.

Fraud and risk: flag unusual claims and activity.

Reports: performance reports with data export.

Roles and audit trail: 12 staff roles with detailed permissions, and a log of every sensitive action.

Ready-made Insurance Products

Third-Party Motor · Motor Comprehensive · Individual Health · Family Health · Term Life · International Travel · Home & Contents · Personal Accident · SME Business Shield · Gadget Protection

Security

HTTPS encryption on every connection

Strongly hashed passwords and two-factor authentication

Automatic account lockout after repeated failed sign-ins

No card details stored, and every payment verified before cover starts

Private, encrypted document storage

Role-based staff access with a full audit log

Technology

Flutter mobile app (Android, iOS-ready) · Next.js admin portal · NestJS backend API · PostgreSQL database · cloud hosting on AWS · ready for payment, SMS and email integrations