EY and INSTANDA Forge Strategic Alliance to Accelerate AI-Augmented Insurance Transformation

Ernst & Young LLP (EY UK) and AI-augmented no-code platform INSTANDA have formed a strategic alliance to accelerate digital transformation for insurance carriers. By combining global consultancy with highly configurable technology, the partnership aims to help insurers overcome legacy architectural constraints and move beyond experimental AI use cases toward enterprise-wide adoption and modernized core operations.

What was announced

The alliance between EY UK and INSTANDA is designed to help insurance organizations execute large-scale transformations while unlocking the practical utility of artificial intelligence. The collaboration focuses on moving insurers from the "experimentation" phase of AI into full enterprise adoption, where the emphasis shifts to technology architecture, operating models, and the governance required for successful, long-term implementation.

The partnership integrates EY UK’s insurance consulting and implementation expertise with INSTANDA’s intelligent product design, policy lifecycle management, and open API integration capabilities. By utilizing a no-code platform, the organizations aim to help insurers reduce architectural complexity and modernize core operations. This approach is intended to create a foundation for sustained technology adoption and agility, allowing carriers to respond more effectively to evolving market demands.

Specifically, the EY-INSTANDA Alliance supports clients in several key areas across the insurance value chain:

• Defining comprehensive transformation roadmaps.
• Modernizing existing operating models to support digital-first workflows.
• Implementing and integrating technology platforms with existing systems.
• Managing complex change programs to ensure staff can utilize new tools.
• Improving the overall value and return on investment of digital initiatives.

The alliance serves insurers looking to reimagine how they design, deploy, and scale solutions without being tethered to traditional, rigid development cycles.

"The insurance industry is rapidly entering a new phase, where the ability to adapt quickly will increasingly define competitive advantage. Insurers understand the opportunity presented by AI, but too many remain constrained by technology architectures that were never designed for the pace of innovation required today."

Tim Hardcastle, CEO & Co-Founder at INSTANDA.

The companies involved

INSTANDA is a prominent player in the insurtech sector, providing an AI-augmented no-code insurance platform. The company focuses on enabling carriers and MGAs to build and launch insurance products rapidly, addressing traditional bottlenecks in policy lifecycle management and underwriting. With a strong emphasis on intelligent product design and open API connectivity, INSTANDA has positioned itself as a key vendor for organizations looking to bypass legacy technology constraints and gain more control over their digital evolution.

EY is one of the "Big Four" global professional services organizations. The UK arm, Ernst & Young LLP, provides a wide range of insurance-specific consulting, implementation, and transformation services. The firm is frequently involved in large-scale enterprise shifts, helping global insurers navigate regulatory changes, operational restructuring, and technology adoption. This alliance leverages EY’s deep industry knowledge and its established track record in managing complex, multi-layered digital transformation projects within the highly regulated insurance sector, helping to bridge the gap between strategic ambition and technical execution.

What FF News has reported before

FF News has followed the expansion of both organizations closely as they deepen their footprints in the insurance and professional services sectors. Recently, we covered how ManageMy and INSTANDA Partner to Deliver No-Code Digital Transformation for Life and P&C Carriers, highlighting the platform's versatility across different insurance lines. Earlier in 2026, the company also enhanced its technical capabilities when INSTANDA Launches AI-Powered 'Clear' to Revolutionize Complex Underwriting Workflows, a move that signaled its commitment to AI-driven efficiency. On the consultancy side, we reported that Strada and EY Form Strategic Alliance to Redefine Integrated Global Payroll Solutions, demonstrating EY's ongoing strategy of forming deep technical partnerships to bolster its service offerings.

What this means from an insurtech perspective

This alliance signals a shift in how legacy carriers approach modernization. For years, the choice was between massive, multi-year core replacements or small-scale digital "wrappers." By pairing a Big Four consultancy with a no-code platform, the industry is seeing a push toward a middle ground: enterprise-scale transformation that doesn't require hard-coded rigidity. This puts pressure on incumbent legacy vendors who rely on long implementation cycles and heavy maintenance fees. From an underwriting and pricing perspective, the ability to rapidly configure products via INSTANDA, backed by EY’s governance, could significantly reduce time-to-market. However, the real test remains whether these alliances can truly dismantle the data silos that currently hinder AI adoption across the broader insurance value chain.