Hello,
Our company has strong knowledge in such systems having previously developed a system for a company in Sweden.
Our system is very simlar to Paypal e-wallet solution with an additional symbiotic system that manages payments for on-tangible / tangible products (in this case Insurance products).
Both pieces of software are available and customizable by our team which comprises of .net, php, MySQL, C++, CGI/Perl, AJAX, XHTML/CSS and web designers.
We can build a highly flexible system, scalable to your needs and provide full support.
Please contact me if you have any further questions
Regards
Tim Youngs