# LCode CR

> E\-commerce platform for INS\-affiliated insurance agents and brokers in Costa Rica

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Moravia, San José, Costa Rica |
| Founded | 2019 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

LCode CR is a distribution and sales technology provider for insurance agents and brokers affiliated with Costa Rica's Instituto Nacional de Seguros (INS), serving the P&C personal and life insurance verticals.

The company's core product is a virtual insurance store, a productized e-commerce platform that lets INS-affiliated agents sell instant-issue policies online in three steps: select a product, enter customer data, and pay. The platform covers more than ten policy types, including travel, student, oncology, life, funeral, bicycle, and family-accident coverage. LCode CR also offers a real-time sales-reporting add-on and builds custom web applications and e-commerce sites for insurance and non-insurance clients, with delivery typically stated at four to six weeks.

LCode CR is a small, self-funded studio based in Moravia, San José, Costa Rica, with a portfolio of about ten completed projects for individual agents, brokerages, and agencies across the country. Its virtual-store product integrates with INS's policy-issuance systems and can be extended to other insurers on request.

## Products & services

### Virtual Insurance Store \(Tienda Virtual de Seguros\)

Productized e-commerce platform for INS-affiliated agents and brokers to sell instant-issue policies online, covering more than ten policy types such as travel, student, oncology, life, funeral, bicycle, and family-accident insurance.

**Key features:**

- Three\-step purchase flow: select, enter data, pay
- Coverage for 5 to 10\+ policy types depending on pricing tier
- Includes support, maintenance, and error logging
- Optional hosting and domain on higher\-tier plans

*Target users:* INS\-affiliated insurance agents and brokers in Costa Rica

### Real\-Time Reporting \(Reportería Inteligente en Tiempo Real\)

Sales dashboard add-on for the virtual insurance store, showing sales by date range, new versus recurring customers, and custom reports.

**Key features:**

- Real\-time sales metrics
- New vs\. recurring customer segmentation
- Custom report generation

*Target users:* Agents and brokers using the virtual store product

### Custom Web Application & Software Development

Bespoke web application and software development for insurance agents and brokers, scoped to client requirements, including policy-system integration work with insurers beyond INS on request.

*Target users:* Insurance agents, brokers, and general business clients

### E\-Commerce Sites

General e-commerce website development with product, payment, and shipping management, not limited to insurance clients.

*Target users:* Small businesses and insurance agents

## Category & focus

- Subcategories: Digital storefronts, quote\-to\-bind, agency e\-commerce
- Insurance verticals: P&C Personal, Life & Annuity
- Target customers: Agents/Agencies, Brokers

## Notable customers

- Travelers CR
- Queos Seguros
- Grupo Calivá
- IBG Correduría de Seguros
- Miguel Lizano
- Roy Odio Asesor
- Seguros Ticos \(Paolo Araya\)
- Prisma Corredora de Seguros
- MC Costa Rica

## Links

- Website: <https://lcodecr.com>
- Directory profile: <https://insurtechlist.com/companies/lcode-cr/>
- Facebook: <https://www.facebook.com/lcodecr>
- Linkedin: <https://www.linkedin.com/company/lcodecr>
- Instagram: <https://www.instagram.com/lcodecr/>
- Whatsapp contact: <https://wa.me/50686941115>

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*Last updated: 2026\-08\-06*