Africa's first embedded insurance.
Add insurance to your app, site or chatbot in about five lines — the customer starts and finishes on your page, no redirect. Quote, buy and manage cover across every leading Nigerian underwriter through one API, and earn a commission on each policy. MIB holds the licence; you write the code.
Embed a full insurance checkout in ~5 lines — no licence, no PCI scope, no carrier code.
Insurance, inside your product.
MIB Embedded lets any app, website or chatbot sell real, regulated insurance in about five lines — the customer starts and finishes on your page, with no redirect. You add a button; MIB quotes across insurers, takes payment, binds the policy and issues the certificate. You earn a commission on every policy and never touch a licence, a carrier integration or PCI scope. Africa's first embedded insurance.
WhatsApp bot
sells cover in chat
Fintech app
a “Protect” tab
Auto marketplace
motor at point of sale
E-commerce plugin
protect any order
Everything you need to sell insurance
A clean, well-documented API backed by a licensed broker.
Quote and bind across all MIB partner underwriters through a single integration.
Compare live prices and issue a policy + certificate in one call.
Write business straight to the insurer, or hand it to the MIB broker desk — per product.
Every sale is metered, with commission tracked to your account.
Automatic or manual — your call, per product
The mode is set on your API key when MIB approves each product, so you can run some products straight-through and others broker-placed on the same key.
- Your app sends the policy with the chosen insurer + premium.
- MIB binds with the underwriter instantly.
- Policy number + certificate come back in the response.
Best for high-volume, standardised products like motor third-party or gadget cover.
- Your app submits the business — no insurer needed.
- It lands in the MIB broker queue.
- A broker selects the underwriter & cover and places it.
Best for complex risks, or when you want MIB's brokers to advise and place the cover.
From key to live in five steps
- 1Create a developer account
Sign up as a retail partner and tell us which products you want to sell.
- 2Get your sandbox key
Start in test mode with a mib_test_… key — no live money, real responses.
- 3Add products to your key
Request Auto, Health, Gadget and more. Each product is enabled individually.
- 4Broker approves & sets the mode
MIB reviews your integration and sets each product to automatic or manual.
- 5Go live
Swap to your mib_live_… key and start writing real business.
Authorization: Bearer mib_live_…POST https://api.myinsurebank.com/v1/policies
Authorization: Bearer mib_live_••••••••
{
"product_type": "auto",
"insurer": "tangerine",
"premium": 45000,
"payment_reference": "PSTK_8f3a…",
"customer": {
"email": "ada@example.com",
"first_name": "Ada",
"last_name": "Obi"
},
"attributes": {
"cover_type": "comprehensive",
"value": 6500000
}
}{
"success": true,
"mode": "automatic",
"policy": {
"reference": "MIB-7QK2-2026",
"policy_number": "TGN-CMP-88421",
"status": "active"
}
}{
"success": true,
"mode": "manual",
"submission": { "reference": "SUB-9F4A2C", "status": "pending" },
"message": "Business received. Our broker desk will place this policy."
}Prefer an SDK? We ship three
Typed helpers for Node, PHP and Python — quote, bind and manage cover in a few lines, no HTTP plumbing.
const mib = new MIB(process.env.MIB_KEY);
const { offers } = await mib.quotes.create({
product: "auto", value: 6_500_000,
});
await mib.policies.bind(offers[0].id);$mib = new MIB($apiKey);
$offers = $mib->quotes->create([
'product' => 'auto', 'value' => 6500000,
]);
$mib->policies->bind($offers[0]->id);mib = MIB(api_key)
offers = mib.quotes.create(
product="auto", value=6_500_000,
)
mib.policies.bind(offers[0].id)Ready to integrate?
Request access and our team will set you up with a sandbox key and the products you want to sell.