Nine product categories.
Forty providers. No steering.
Every South African who has ever bought insurance through a broker has bought it with incomplete information. The broker showed them what the broker had. INSURELOANSA shows them what exists. For free. In under 2 minutes. On their phone — via web, WhatsApp, or voice.
The dual audience
Consumer sees
Every available option side by side with confirmed Rand premiums. No salespeople. No callbacks before they have decided. No login required to see prices.
Technical evaluator sees
Multi-channel comparison engine — QuoteWizard (5,150 lines, React Hook Form + Zod), SAM on WhatsApp (Twilio) and Voice (VAPI), FastAPI backend, Supabase lead storage, real-time rate engine.
9 verticals · 40+ providers · 5,150-line QuoteWizard · 3 channels · Pre-FSP lead generation mode
Why INSURELOANSA exists
The broker problem is not dishonesty. It is structural conflict.
South African brokers are not villains. The incentive structure is the problem. A broker who places a consumer with Insurer A earns a different commission than one who places them with Insurer B. The broker has a quota. The broker has a relationship with specific insurers. The consumer has no way to know that what the broker shows them is a subset of what is available.
INSURELOANSA's SAM has no quota. SAM has no commission. SAM has no insurer relationship. SAM shows every provider in every vertical — and then the consumer decides. The introduction fee model means INSURELOANSA earns the same introduction fee regardless of which provider the consumer selects. The steering incentive is structurally absent.
The comparison is the product. The consumer's informed decision is the outcome.
INSURELOANSA vs the alternatives
Going to a broker
What it misses
Broker shows products that pay the highest commission. Consumer sees one insurer per product at most. Broker has targets. Steering is structural, not always intentional.
What INSURELOANSA adds
Every available provider for every vertical. No commission. No targets. No steering. SAM presents all options — the consumer decides.
Calling the insurer directly
What it misses
Consumer can only buy that insurer's products. One product. One price. No comparison possible. Consumer has no reference point for whether the premium is competitive.
What INSURELOANSA adds
Up to 5 insurers shown side by side for each vertical with confirmed Rand premiums, waiting periods, exclusions, and key features.
CompareGuru and similar
What it misses
Website-only. No WhatsApp. No voice. No claims service. Limited product range. Consumer must navigate the comparison themselves.
What INSURELOANSA adds
Web + WhatsApp + Voice. Funeral claims acceleration as a separate module. 9 product categories. AI-guided qualification. Proactive lead follow-up.
Direct insurer app
What it misses
Single insurer. No independent comparison. Consumer is inside the insurer's sales environment from the first screen.
What INSURELOANSA adds
Independent comparison across all available providers in every vertical. No insurer relationship. No preference. No steering.
Doing nothing
What it misses
No cover. No comparison information. Family is financially exposed. Consumer assumes the process is too complex to navigate without a broker.
What INSURELOANSA adds
Free comparison in under 2 minutes — with real Rand prices — on the consumer's phone via WhatsApp. No data-heavy website required.
9 product categories — all live
Every product category with real South African providers and real Rand prices.
Each vertical exists because there is a specific South African consumer problem that a broker-mediated or single-insurer model does not solve. The vertical is the answer to the problem — not a product category chosen because it is commercially convenient.
Funeral Cover
The average South African family spends 3–6 weeks waiting for a funeral claim. The average funeral costs R15,000–R35,000. Most families cannot wait that long.
Providers
From R75/month for R10,000 cover
Confirmed premiums — is_indicative: false on all funeral cards
Life Insurance
Life insurance is the product most South Africans know they need and least understand. A consumer who calls a single insurer sees one product. INSURELOANSA shows four.
Providers
From R139/month for R4,500/month cover
Confirmed premiums — real-time rate engine calculation
Retirement Annuity
Retirement annuity selection is the financial decision with the longest consequence horizon. Most consumers make it in a single advisor meeting with a single product on the table.
Providers
Pricing confirmed via partner — not indicative
is_indicative: true — pricing via partner, referral model
Legal Insurance
Legal insurance is the product South African consumers are least likely to know they can afford. Most assume it requires an attorney retainer. It starts at R75/month.
Providers
LegalWise R89/month · Scorpion R99/month · Law For All R75/month
Confirmed premiums on all three providers
Personal Loans
South African consumers seeking personal credit face an information gap between what they qualify for and what different lenders offer at different rates. INSURELOANSA shows indicated repayments side by side.
Providers
Loan amounts R1,000–R350,000 · Indicated repayments displayed
indicative_repayment shown — NCA-compliant referral model
Debt Consolidation
South Africans under debt stress have one free, NCR-regulated option that most do not know about. DebtBusters processes the assessment at no charge to the consumer.
Providers
Free assessment — referral to NCR-registered debt counsellors
Referral model — INSURELOANSA does not originate credit
Medical Insurance
Medical aid is unaffordable for most South Africans. Medical insurance — not medical aid — fills the gap. Five providers compared with actual monthly premiums.
Providers
Pricing confirmed via partner — referral model
is_indicative: true — pricing via partner
Pet Insurance
Pet insurance in South Africa is a growing vertical with significant price variation across providers. Without a side-by-side comparison, most consumers default to the most-advertised option.
Providers
Confirmed premiums — real-time rate engine
Confirmed premiums — is_indicative: false
Vehicle Tracking
Vehicle tracking premiums vary by R110/month between the cheapest and most expensive provider. Without comparison, most South Africans pay more than they need to.
Providers
Tracker R169 · Cartrack R199 · Netstar R179 · Matrix R149 · Beame R89
Confirmed monthly premiums — all five providers
SAM — AI Information and Comparison Assistant
SAM is the same conversation on every channel.
The same product knowledge, the same comparison capability, the same plain-language approach — on the web, on WhatsApp, and by voice. The channel choice belongs to the consumer. SAM adapts. The legal boundary does not change.
Web — QuoteWizard
Embedded in the 5,150-line QuoteWizard. Handles product qualification, real-time premium calculation, comparison card rendering, and lead submission. Simple track for direct products. Complex track triggers FA handoff on FSP issuance.
WhatsApp · +27 60 014 5992
Twilio WhatsApp Business API. All 9 products available via conversational flow. 24/7. Designed for the consumer who does not have a data-heavy connection or a broker's number. A smartphone with WhatsApp is sufficient to compare every available product.
Voice — VAPI
All 10 VAPI functions active. create_application dormant. SA English register — not US or UK English. The same product knowledge, the same comparison capability, the same lead submission outcome — by phone, for consumers who prefer to speak.
SAM's legal boundary — what the architecture enforces
SAM presents. SAM compares. SAM explains. SAM does not advise. The architecture enforces this — not just the copy.
Pre-FSP — legally distinct from intermediary services
The platform is live. The FSP application is in preparation. Both are deliberate.
The Financial Marketplace operates as a comparison and lead-generation platform. INSURELOANSA earns introduction fees from insurers and partners — not regulated commission from intermediary services under the FAIS Act. This position is confirmed by the Supreme Court of Appeal in the Tristar case.
This is not a workaround. It is a deliberate two-stage strategy. The marketplace runs in lead-generation mode now — building provider relationships, consumer volume, and revenue — while the FSP application is being prepared. On FSP issuance, the platform activates full intermediary services by switching four functions across four files.
The architecture is already built for the transition. The FSP is the trigger, not the starting point.
Revenue model — introduction fees, not commission
Funeral cover leads
Introduction fee per activated policyAssupol, Metropolitan, Sanlam, Old Mutual, Hollard
Life insurance leads
Introduction fee per activated policy1Life, Assupol, Sanlam, Metropolitan
Legal insurance leads
Referral fee per activated policyLegalWise, Scorpion, Law For All
Loan referrals
Referral fee per approved loanAfrican Bank, RCS
Debt referrals
Referral fee per accepted debt reviewDebtBusters
Medical/Pet/Tracking
Referral fee per enrolled member/policyMultiple — per vertical
On FSP issuance — what changes
Known issues — Q2 2026 fix list
Technical architecture
What runs under the comparison.
A real-time rate engine on the frontend. Three simultaneous channels sharing the same backend. A compliance gate that enforces the pre-FSP position at the API level — not just in the UI. Lead storage in Supabase with POPIA consent enforced as an API contract.
Web — QuoteWizard
WhatsApp — Twilio
Voice — VAPI
Rate Engine — rateEngine.ts
Real-time premium calculation · returns InsurerComparisonResult[]
is_indicative flag per result · confirmed Rand price (teal) vs "Pricing confirmed via partner" (grey)
InsuranceComparisonCard.tsx
Lead Submission — salesApiClient.ts
ACTIVE
createLeadFromWebsite()
ACTIVE
createReferral()
DORMANT
createApplication()
popia_accepted: true required on all submissions · Supabase leads table
Frontend
Next.js 14 App Router · TypeScript strict mode · Tailwind CSS · Vercel
Quote Engine
QuoteWizard.tsx — 5,150 lines · React Hook Form + Zod validation · 9 product flows
Rate Calculation
rateEngine.ts — real-time frontend calculation · returns InsurerComparisonResult objects
API Client
salesApiClient.ts — createLeadFromWebsite · createReferral · createApplication (dormant)
Backend
FastAPI Python 3.11 · Railway · auto-deploy from main branch
Database
Supabase PostgreSQL · Row-Level Security · South Africa region
Twilio WhatsApp Business API · SAM on +27 60 014 5992 · all 9 products
Voice
VAPI — 10 functions active · create_application dormant · SA English register
AI — SAM
Anthropic Claude — information and comparison mode · enforced by system prompt and function gating
Lead Storage
Supabase — leads table · referrals table · popia_accepted field enforced
Live — compare now
Nine product categories.
No login. No broker. No pressure.
The comparison is free. The prices are real. The decision belongs to the consumer. Web, WhatsApp, or voice — the channel is theirs to choose.