B2B Referral Insurance Platform

Knose wanted to expand its distribution by enabling a network of referrers to sell pet insurance policies directly to new pet owners at the point of purchase.

This required a self-service portal where referrers could onboard, agree to terms, and purchase policies in batches — for example, covering multiple animals with free two-month starter policies.

The critical complexity was implementing a legally compliant process for transferring insurance policies from the referrer to the new owner, while tracking a guaranteed 5% lifetime revenue share back to the referrer.

Kipanga designed a fully self-served B2B platform where referrers could join the program independently, agree to terms digitally, and immediately start purchasing and managing policies.

The policy transfer workflow was built with strict legal compliance — ensuring every transfer from referrer to new pet owner followed a documented, auditable process.

The platform also gives new owners the ability to adjust their level of cover after the transfer, converting free starter policies into paid long-term coverage.

A serverless platform where referrers self-onboard, purchase policies in batches, and transfer those policies to new pet owners through a legally compliant process.

Every transferred policy is tracked against the originating referrer, guaranteeing them a 5% revenue share for the lifetime of that policy. New owners can adjust their cover level after receiving the transferred policy.

The platform runs on AWS serverless infrastructure with ReactJS on the front end, built and deployed in just one month — now serving over 1,700 referrers and processing approximately 25,000 policies per year.