We help insurance companies make products people want

The truth about building insurance products

You can't afford to launch a product that nobody wants

No business can afford to waste the time and money and goodwill a failed product burns through, but it happens all of the time.

It's usually not because idea are bad, but because big assumptions are missed, tough questions get asked too late, and really important decisions are avoided for too long.

What we do

We de risk insurance product design. From problem to pilot.

For 15 years we've worked with insurers across the globe to design, test and launch award winning, market defining products and services.

We do the hard thinking alongside your team. Framing the problem, designing the proposition, testing it with customers, and getting it ready for pilot.

We're focussed on replacing assumptions with evidence, and guesswork with a product you're confident customers will buy.

Our work

Insuring the uninsurable

A world-first IoT-powered proposition, designed to protect Covid-19 vaccines moving through fragile supply chains in Africa.

See case study

A rider carrying an insulated cold box along a dirt road at dawn

Proving demand before the build

Bupa wanted to build a preventative health proposition on genomics. We ranked four features on real behaviour, across 110,000+ tested impressions, before anything was built.

See case study

A woman walking on a tree-lined lane at sunrise

Health cover without the claims

Customers weren't using their international health cover because claiming was too painful. So, we designed a proposition that removed claims altogether.

See case study

A contactless card payment at a clinic reception desk

More case studies

Our Operating System

Ninety OS. Our secret sauce.

Ninety OS is our platform, designed for building insurance products which are lower risk and higher potential.

It brings together our unique methodology, data from hundreds of insurance projects, and AI trained on 15 years of our work, to help us spot patterns faster, ask better questions earlier, and help launch products that will stick. There's nothing else like it.

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The Ninety OS project dashboard open on a laptop

60+

Tier 1 clients

500+

Projects delivered

30+

Industry awards

Don’t just take our word for it.

Ninety helped us innovate our private medical insurance acquisition journey by putting our customers in control of product and journey design. The process was exhilarating, the pace of delivery unprecedented, and Ninety’s expertise was impressive.

Consumer Director, Bupa

More testimonials

Capability building

We also equip insurance companies with unfair advantages

Beyond delivery, we train insurance teams in our methodology and help insurance companies build the strategies, models, functions and teams that make building winning products an in house capability.

Training

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Capability

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Our purpose

We're a business that exists to do good.

Ninety is a certified social enterprise.

90% of our profits are distributed to causes that tackle global poverty, so every project we run with us directly funds that work. Its why we were founded, and its what drives us to do great work.

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90%

Insights