Advice and client work
ABOUT INSTLY
Built by people who have lived the problem.
Fifty years across the international health insurance lifecycle—from corporate benefits and distribution to pricing, underwriting, claims and servicing.
50 yearsCOMBINED EXPERIENCE
8 disciplinesONE PRODUCT SYSTEM
InstlyPRODUCT
ARCHITECTURE
ARCHITECTURE
Markets and panels
Employer and member needs
Risk and authority
Rates and insurer logic
What happens after sale
Ongoing policy work
Buying and using cover
THREE SIDES OF THE SAME TRADE
We have sat in every seat at this table.
The platform is shaped by the work as it really happens—not by assumptions about how insurance ought to work.
One connected
product systemBUILT FROM THE INSIDE
product systemBUILT FROM THE INSIDE
Advice, benefits and operating models
Regional Health & Benefits leadership, proposition development and operational excellence across Europe, the Middle East, Africa and Asia Pacific.
Schemes, TPA services and MGA structures
Corporate and association scheme design, insurer negotiations, delegated authority, servicing models and international health product development.
The person using the cover
Long-term expatriates buying this insurance for ourselves and our families in the markets our clients live in.
MB
Mo Buglow
FOUNDER · INSTLYIPMI MGA, PRODUCT & TECHNOLOGY (ADVISORY) · 3 YEARS
Led the IPMI proposition at Insured Nomads, including insurer negotiations, delegated authority and the overall MGA structure. Designed modular IPMI plans and an association-based offering across benefit design, underwriting logic and pricing, then led the supporting technology into live broker and client use.
Drawing on twenty-five years inside international health insurance, Mo designs the AI foundation behind Instly—turning pricing, claims, renewals and servicing into independent operational systems built to scale beyond demos.
LinkedIn →AW
Alan Westhead
SENIOR ADVISORWTW · HEALTH & BENEFITS LEADERSHIP · 16+ YEARS
Leads Health & Benefits across Central and Eastern Europe, the Middle East and Africa, alongside regional responsibility for operations and excellence across APAC, Australasia and CEEMEA.
His WTW career spans proposition leadership, target operating models, professional excellence and lean operations—connecting corporate benefit strategy with the processes, people and technology required to deliver it consistently across markets.
LinkedIn →VISIBLE IN THE PRODUCT
Three decisions that govern how Instly behaves.
Not values for a wall. Product boundaries customers can verify for themselves.
We build technology. We do not underwrite.
We carry no risk, favour no insurer and never compete with the businesses using the platform.
YOUR PANEL AND COMMERCIAL TERMS STAY YOURS
Your clients, brand and data remain yours.
Instly operates behind your customer experience. We never contact your clients or present ourselves as their broker.
WHITE-LABELLED AND DOMAIN-LOCKED BY DEFAULT
AI prepares. A person decides.
AI structures the work and flags uncertainty. Consequential recommendations and actions retain a visible human review point.
ACCOUNTABLE REVIEW IS BUILT INTO THE WORKFLOW
WHAT WE DO
We make complex insurance processes work simply.
Pricing, claims, renewals and servicing—structured into independent, AI-driven products that hold up in live operations, not just demonstrations.