Softwr

Insurance · head to head

Applied Epic vs INSTANDA

Applied Epic logo

Applied Epic

Insurance

The most connected agency management system

From
On request
Rated
-
Full reviewWebsite
INSTANDA logo

INSTANDA

Insurance

No-code product builder that lets underwriters configure and launch insurance products themselves

From
On request
Rated
-
Full reviewWebsite

The short version

  • They diverge on capability: Applied Epic covers Policy management, INSTANDA covers Browser-based product build.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Applied Epic and INSTANDA actually diverge.

Attributes where Applied Epic and INSTANDA differ
AttributeApplied EpicINSTANDA
Pricing modelsubscriptionquote
PlatformsWeb, Windows, Ios, AndroidWeb, API
Founded1983Unknown

Identical on both: starting price (On request), free tier (No), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Applied Epic

  • Policy management
  • Client management
  • Commission tracking
  • Document management
  • Real-time carrier downloads
  • Workflow automation
  • Accounting integration
  • Mobile access

Only in INSTANDA

  • Browser-based product build
  • Rating configuration
  • Document generation
  • Distribution portals
  • API access
  • Product versioning

What people use each for

The jobs each tool is most often brought in to do.

Applied Epic

  • Agency managementnot INSTANDA
  • Policy administrationnot INSTANDA
  • Commission managementnot INSTANDA
  • Client servicingnot INSTANDA
  • Carrier connectivitynot INSTANDA

INSTANDA

  • An MGA launching a niche product in weeks and iterating rating without a development cyclenot Applied Epic
  • A broker building an own-brand scheme on top of a capacity agreementnot Applied Epic
  • A carrier running product experiments away from the core policy systemnot Applied Epic
  • An embedded insurance programme where the product must be exposed through a partner APInot Applied Epic

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Applied Epic

Nothing recorded yet. See the Applied Epic review.

INSTANDA

  • It is a product and policy layer, not a full core suite, so claims, finance, commissions and reporting are integrations you pay for separately and the total is well above the licence quote.
  • No-code configuration puts product logic in the hands of underwriters, which is fast but also means product changes can bypass the change control and testing discipline an IT-owned release would enforce.
  • Complex rating that needs external models, machine learning scores or intricate referral hierarchies pushes past what browser configuration handles cleanly.
  • Market presence is concentrated in the United Kingdom and Europe, so North American buyers will find fewer local references and less familiarity with state filing workflows.
  • As configuration grows across many product versions it becomes its own maintenance burden, and without discipline you accumulate variants nobody remembers the reason for.

Pricing, plan by plan

Applied Epic

On request
  • Applied Epic$undefined/month
    • Policy management
    • Commission tracking
    • Client portal
  • Enterprise$undefined/month
    • Everything in Standard
    • Advanced analytics
    • Custom integrations

INSTANDA

On request
  • INSTANDA Platform$undefined/year
    • Product configuration environment
    • Policy administration
    • Distribution portals

Which should you pick?

Choose Applied Epic if

  • You need policy management.
  • You work on Web, Windows, Ios, Android.
  • You also want client management.
Applied Epic review

Choose INSTANDA if

  • You need browser-based product build.
  • You work on Web, API.
  • You also want rating configuration.
INSTANDA review

Questions people ask

Is Applied Epic or INSTANDA better?
Neither clearly leads. Applied Epic starts at On request and INSTANDA at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Applied Epic or INSTANDA?
Applied Epic starts at On request and INSTANDA at On request.
Does Applied Epic or INSTANDA run on more platforms?
Applied Epic runs on Web, Windows, Ios, Android. INSTANDA runs on Web, API.
What is Applied Epic best used for?
Applied Epic is most often used for agency management, policy administration, commission management, client servicing. Of those, agency management and policy administration are not what INSTANDA is typically brought in for.
What can Applied Epic do that INSTANDA cannot?
Applied Epic covers Policy management, Client management, Commission tracking, Document management. INSTANDA covers Browser-based product build, Rating configuration, Document generation, Distribution portals.

Answered from the vendors’ own pages

INSTANDA: Can underwriters really build products without developers?

Yes for mainstream product structures, and this is worth testing in a proof of concept with your own staff. Complex rating that calls external models still needs engineering.

INSTANDA: Is it a complete core system?

No. It covers product, quoting and policy administration well. Claims, finance and commissions are separate systems you integrate.

INSTANDA: Where is it strongest geographically?

The United Kingdom and Europe, particularly among MGAs. North American deployments exist but the reference base is younger.

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