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Insurance · head to head

INSTANDA vs NowCerts

INSTANDA logo

INSTANDA

Insurance

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

From
On request
Rated
-
Full reviewWebsite
NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • They diverge on capability: INSTANDA covers Browser-based product build, NowCerts covers Policy and client management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which INSTANDA and NowCerts actually diverge.

Attributes where INSTANDA and NowCerts differ
AttributeINSTANDANowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWeb, APIWeb, iOS, Android

Identical on both: 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 INSTANDA

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

Only in NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

What people use each for

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

INSTANDA

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

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot INSTANDA
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot INSTANDA
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot INSTANDA
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot INSTANDA

Where each one falls short

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

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.

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

Pricing, plan by plan

INSTANDA

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

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

Which should you pick?

Choose INSTANDA if

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

Choose NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Questions people ask

Is INSTANDA or NowCerts better?
Neither clearly leads. INSTANDA starts at On request and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, INSTANDA or NowCerts?
INSTANDA starts at On request and NowCerts at $99/month.
Does INSTANDA or NowCerts run on more platforms?
INSTANDA runs on Web, API. NowCerts runs on Web, iOS, Android.
What is INSTANDA best used for?
INSTANDA is most often used for an mga launching a niche product in weeks and iterating rating without a development cycle, a broker building an own-brand scheme on top of a capacity agreement, a carrier running product experiments away from the core policy system, an embedded insurance programme where the product must be exposed through a partner api. Of those, an mga launching a niche product in weeks and iterating rating without a development cycle and a broker building an own-brand scheme on top of a capacity agreement are not what NowCerts is typically brought in for.
What can INSTANDA do that NowCerts cannot?
INSTANDA covers Browser-based product build, Rating configuration, Document generation, Distribution portals. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

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.

NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

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.

NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

INSTANDA: Where is it strongest geographically?

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

NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

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