Client
Futuready (Aegon Group)
The Problem
Insurance distribution at this scale lives or dies on integration breadth. Each carrier publishes its own API contract, its own document format, its own underwriting flow. Futuready needed all of them to feel like one product to the agent — and one experience to the customer buying a policy online. The brief covered three hard fronts: integrate 15+ carrier APIs without leaking carrier-specific quirks into the UI, handle real payment flows with the audit trail that regulators expect, and give thousands of agents a portal that tracks their leads and pays their commission correctly every cycle.
Constraints
- 15+ insurance carrier APIs — each with its own contract and quirks
- Two-country deployment — Indonesia and Thailand, different regulatory regimes
- Payment processing with full audit trail for compliance
- Policy document generation must match each carrier's legal format
- Agent commission calculation cannot drift — money goes out on this number
- Enterprise-scale production load — no room for ad-hoc fixes
Our Approach
Idin owned the integration layer and the agent-facing platform. The carrier API integrations were built behind a normalized adapter contract — 15+ carriers, one internal shape — so the rest of the platform never had to know which carrier was on the other end. Payment gateway integration handled premium collection with the audit trail compliance teams expect. A policy document template engine generated carrier-specific PDFs from a unified data model. The agent portal calculated leads and commissions across the agent network — the kind of number that pays salaries and must reconcile to the cent.
Tech Stack
Outcome
- 15+ carrier APIs integrated behind a single normalized contract
- Policy issuance flow live across Indonesia and Thailand
- Document template engine generating carrier-compliant policy PDFs at scale
- Agent portal handling lead distribution and commission calculation for thousands of agents
- Enterprise-grade audit trail meeting regulatory expectations in both markets
- Production architecture that scaled with carrier additions over time
Why this matters
Futuready is where Idin learned what "enterprise-grade" actually costs to build. Not slogans — the discipline of integration contracts, audit logging, and commission math that survives an external auditor. That discipline is now baked into how Idin Studio delivers. When a client asks whether we can handle 15 third-party integrations under regulatory scrutiny, the honest answer is: we have already shipped that, in two countries, in production.