How Carriers Use Buddy to Sell Insurance Without the Hassle
This is part of our case study series featuring Interplanetary Insurance.
The Problem: Consumers Want Simple, Insurers Get Complexity
Selling insurance online sounds straightforward. Build a website, add a checkout flow, collect payments. But the reality is far more complex.
Behind every simple-looking insurance checkout is an infrastructure stack that includes:
- A front-end experience optimized for conversion
- Compliance and licensing validation by state
- A real-time rating engine
- Policy issuance and document generation
- Payment processing with proper fund routing
Building this from scratch typically takes 6-12 months and significant engineering resources.
The Solution: A Fully Integrated Checkout
Buddy provides the entire stack as a service. Interplanetary Insurance launched their Airlock Accident Insurance product online without building any of the infrastructure themselves.
The customer experience is seamless — no redirects, no "you're leaving our site" warnings, no friction. The carrier's brand stays front and center while Buddy handles everything behind the scenes.
Why It Matters: The Shift in Insurance Buying Behavior
The data is clear:
- 71% of consumers prefer to research insurance online (McKinsey)
- 41% are willing to purchase insurance entirely online
- Digital-first carriers see 2-3x higher conversion rates than traditional channels
The Results: Faster, Smoother, and Scalable
- Faster launch — weeks instead of months
- Smoother experience — conversion-optimized checkout
- Scalable distribution — add new partners and channels without rebuilding
The carriers that win in digital distribution won't be the ones that build everything themselves. They'll be the ones that focus on their products and let purpose-built infrastructure handle the rest.