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Wellabe iPremium internal tool interface

Case Study

Wellabe & iPremium

How HQ helped Wellabe streamline premium calculations for life insurance agents.

Updated July 2026

The highlights

Updated the agent tool for a company licensed in 49 states with an AM Best A (Excellent) rating

Wellabe has served policyholders since 1929, nearly a century of independent agent distribution

Reduced premium calculation errors and modernized the app without disrupting agents who had relied on it for years

Smooth rebrand transition with no interruption to agent workflows

Wellabe iPremium app imagery
Wellabe
The iPremium sign in screen uses an activation code to get started

1) The context

5 phone screens show the Wellabe iPremium log in screen, calculator, and results screen with tabs for all results, certificate, and death benefit

Wellabe is a health and life insurance company that provides a range of products to independent agents through its subsidiary, Great Western Insurance Company. One of their key tools, iPremium, is an app for calculating premiums designed specifically for the agents selling life insurance policies. This product ensures that premiums are calculated accurately, which both minimizes errors and simplifies the application process.

iPremium allows agents to do those premium calculations

They don’t have to manually calculate those. It makes sure that it isn’t submitted with the incorrect amount. So it’s a very valuable to tool for our agents.

Wellabe approached HQ to update and enhance iPremium, ensuring it remained an essential tool for their agents while aligning with their rebranding efforts. With the app having been in use since before 2015, it was important that the tool could be modernized without disrupting the agents who have relied on it for years.

Given the long history of the app and its importance to agents, any changes needed to improve functionality while still maintaining familiarity. The stakes were higher than a simple refresh though, as any disruption could result in agents reverting to manual calculations, thereby leading to potential errors and inefficiencies. Desired updates included:

  • Alignment with Wellabe branding
  • Better support for enrollment submissions
  • Accommodations for agents with varying levels of technical expertise

2) The solution

Close-up shots of the calculator and results screens in iPremium

HQ worked closely with Wellabe to ensure the updated iPremium app retained its core simplicity while integrating new features and a refreshed user interface. Ongoing feedback from the Wellabe team guided each iteration, helping us shape updates that felt intuitive and seamless for agents. On the list of improvements:

  • A refreshed, branded UI to reflect updated colors and icons for Wellabe’s branding
  • A new certificate tab, which helps agents fill out applications correctly to reduce errors
  • Expanded product offerings, which incorporate additional life insurance products and updated premium calculations

It has become a lifeline for a lot of the agents.

The HQ team offers options if there’s something that we may not have thought of. The developer we work with is very good about asking questions: If something may not be spelled out very well in a requirement, he’s very good about giving feedback.

HQ’s work ensured that Wellabe’s transition through rebranding was smooth, with no interruption to agent workflows. The Wellabe team has seen continued agent adoption of the app, as well as fewer application errors.

3) The takeaway

iPremium results screens show factors like total funeral amount, first year premiums, and down payments

Wellabe’s experience with HQ reinforced the importance of working with a development partner that prioritizes clarity, efficiency, and reliability. Our developers provided recommendations on best practices, as well as helping their team navigate Apple’s App Store review process.

For companies looking to update or build custom applications without disrupting their existing user base, HQ offers:

  • A collaborative approach that ensures projects stay on track and within budget
  • A team that understands the ins and outs of app store rules and processes
  • A focus on usability and adoption for long-term success

4) Two versions running at once

Rebranding an app that agents open every working day means changing everything they recognize about it. New colors, a new logo, app icons sized for both stores, a new launch screen, and all of it holding up in light mode and dark.

The rollout was the harder part. We built a mirror of the existing app for the agents the change affected, with their own credentials, so both versions could run side by side while the transition happened and nobody was locked out mid-quote.

Still on both stores

iPremium is still published and still maintained. The Play Store listing was updated in June 2026 and the iOS build sits at version 4.1.3, published by Great Western Insurance Company.

Wellabe’s six insurance subsidiaries had their A (Excellent) financial strength rating affirmed by AM Best in May 2026.

Frequently asked questions

iPremium exists because independent life insurance agents need to calculate premiums accurately without doing the math manually. Incorrect premium amounts on submitted applications create problems for both the agent and the policyholder, so having a tool that guarantees accurate calculations is operationally important. Wellabe, which has served policyholders since 1929 and is licensed in 49 states, distributes its products through independent agents rather than a direct sales force, which means the quality of the tools those agents use directly affects Wellabe's business. iPremium simplifies the premium calculation step and reduces submission errors, which in Wellabe's own words has become a lifeline for a lot of their agents. The app has been in use since before 2015. HQ's engagement was focused on modernizing the experience, adding a certificate tab, expanding the product coverage, and aligning the interface with Wellabe's current brand, all without disrupting the agents who had built their workflow around the existing tool.

HQ modernized iPremium by working iteratively with ongoing feedback from the Wellabe team at every stage, rather than designing a replacement and shipping it all at once. Because the app had been in active daily use since before 2015, any disruption carried real operational risk. Agents who could not use iPremium would revert to manual calculations, which introduces errors and inefficiencies across submitted applications. HQ retained the core simplicity and familiarity of the original app while introducing improvements incrementally: updated colors and icons aligned to Wellabe's rebrand, a new certificate tab to reduce application errors, and expanded product coverage to reflect additional life insurance products. The development team proactively flagged questions and edge cases when requirements were unclear, which the Wellabe team cited as a key factor in a smooth process. HQ also helped Wellabe navigate Apple's App Store review process. The result was a modernized app with no interruption to agent workflows and continued strong adoption after launch.

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