Everyone assumes the API is the hard part of embedded insurance
The API is the easy part. Pricing in 200 milliseconds inside a partner's checkout, underwriting on thin data, issuing a policy in real time, at the partner's unpredictable traffic — none of that is an API-design problem. It's a data-and-systems-readiness problem. If your rating logic lives in a batch-oriented legacy core, it can't answer in checkout time and the customer has moved on. And the tempting shortcut — a separate fast stack that bypasses the core — recreates the fragmentation problem later, when those policies need servicing and claims alongside everything else. The winners won't have the best partnerships. They'll have a foundation that answers in 200ms and still treats the result as a real policy. Full write-up → https://intellibooksinsurance.blogspot.com/2026/07/embedded-insurance-why-api-is-easy-part.html










