digital-brokerage
(5)
ComparaOnline sells the second opinion
The Latin American insurance marketplace built a business around getting shoppers to compare. Its harder job is turning a better-informed customer into an insured one.
David Embry Bet Small Businesses Deserved Better Insurance - Then Built the Machine to Prove It
Mylo began with a stubborn question: could software make small insurance accounts worth serving well? A decade later, David Embry's answer is a business built around better recommendations, patient iteration and the enduring value of a human conversation.
Real
Real built a cloud brokerage around the agent. Now it is wiring AI, banking, mortgages and closings into the same transaction - while a pending RE/MAX deal puts that operating system to its biggest test.
Hapi
Hapi is a Peruvian-founded, YC-backed fintech that lets people across Latin America invest in U.S. stocks, ETFs and cryptocurrencies from their phones - with zero commissions, no minimums and an account you can open in about five minutes. Built to knock down the high fees and paperwork that historically kept Latin Americans out of the U.S. markets, Hapi has grown from 10,000 users in 2022 to a reported 500,000-plus clients across roughly 20 countries.
Modern Life
Modern Life is an AI-powered, tech-enabled life insurance brokerage that gives financial advisors a single platform to quote, underwrite, and manage life insurance policies. Founded in 2021 by Michael Konialian and Jack Arenas and backed by Thrive Capital, it replaces a stack of 10+ fragmented legacy tools, compares quotes across 30+ carriers, and uses accelerated underwriting to cut policy cycle times from roughly six months to minutes. Licensed in all 50 states, the company raised a $20M Series A in November 2025, bringing total funding to $35M.