B4E Inclusive AI No-Code Insurance Operating System Qorus-NTT DATA Innovation in Insurance Awards 2026

B4E Insurtech Inc. has developed a modular, AI-powered no-code insurance operating system that enables insurers, MGAs, and intermediaries to design, deploy, distribute, and manage digital insurance products at scale.

The platform is specifically optimized for pre-underwritten, over-the-counter (OTC) insurance products that can be purchased and managed by end consumers in a fully digital, do-it-yourself (DIY) environment.

Traditional insurance product development is slow, code-intensive, and operationally fragmented. This limits speed-to-market, increases costs, and restricts accessibility for underserved and uninsured populations.

B4E addresses these structural barriers by enabling:

• No-code insurance product configuration across Life, Health, and P&C • Rapid deployment (up to 90% faster time-to-market) • Pre-underwritten product logic embedded within configuration workflows • Multi-channel distribution including brokers, banks, affinity partners, and digital channels • AI-driven underwriting, fraud detection, and performance analytics • Built-in regulatory compliance and reporting • End-to-end policy, claims, and financial management

By focusing on standardized, pre-underwritten OTC products delivered in a digital-first, DIY environment, B4E reduces distribution costs and removes friction from insurance purchasing.

This model increases affordability, enhances accessibility, and expands insurance inclusion for underserved and uninsured communities globally — while maintaining enterprise-grade compliance, analytics, and operational governance for insurers.

B4E is not merely digitizing insurance. It is enabling scalable, inclusive insurance innovation through a configurable AI-powered operating system.