MIB for Developers

One API. Every insurer.

Embed insurance into your product. Quote, buy and manage cover across all of Nigeria's leading underwriters through a single REST API — write business automatically, or let the MIB broker desk place it for you.

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Why build on MIB

Everything you need to sell insurance

A clean, well-documented API backed by a licensed broker.

One API, every insurer

Quote and bind across all MIB partner underwriters through a single integration.

Instant quotes & binding

Compare live prices and issue a policy + certificate in one call.

Automatic or manual

Write business straight to the insurer, or hand it to the MIB broker desk — per product.

Commissions & reporting

Every sale is metered, with commission tracked to your account.

Integration modes

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.

Automatic
Straight-through
  1. Your app sends the policy with the chosen insurer + premium.
  2. MIB binds with the underwriter instantly.
  3. Policy number + certificate come back in the response.

Best for high-volume, standardised products like motor third-party or gadget cover.

Manual
Broker-placed
  1. Your app submits the business — no insurer needed.
  2. It lands in the MIB broker queue.
  3. 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.

Quickstart

From key to live in five steps

  1. 1
    Create a developer account

    Sign up as a retail partner and tell us which products you want to sell.

  2. 2
    Get your sandbox key

    Start in test mode with a mib_test_… key — no live money, real responses.

  3. 3
    Add products to your key

    Request Auto, Health, Gadget and more. Each product is enabled individually.

  4. 4
    Broker approves & sets the mode

    MIB reviews your integration and sets each product to automatic or manual.

  5. 5
    Go live

    Swap to your mib_live_… key and start writing real business.

Authenticate every request with Authorization: Bearer mib_live_…
POST /v1/policies — request
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
  }
}
Automatic key — 201 Created
{
  "success": true,
  "mode": "automatic",
  "policy": {
    "reference": "MIB-7QK2-2026",
    "policy_number": "TGN-CMP-88421",
    "status": "active"
  }
}
Manual key — 202 Accepted
{
  "success": true,
  "mode": "manual",
  "submission": { "reference": "SUB-9F4A2C", "status": "pending" },
  "message": "Business received. Our broker desk will place this policy."
}
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Ready to integrate?

Request access and our team will set you up with a sandbox key and the products you want to sell.

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