digital-insurance
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Roojai Put the Insurance Office in Your Pocket - Then Bought the Underwriter
Roojai began by making Thai car insurance easier to buy online. A decade later, it owns the underwriting stack, serves hundreds of thousands of customers and is testing whether a digital insurer can feel more human when the road gets messy.
Progressive Insurance
Progressive became an insurance giant by doing something that sounds commercially reckless: making prices easier to compare. Behind Flo and the blue lettering sits a disciplined machine for pricing risk, distributing through both screens and independent agents, and turning insurance from a mystery into a shopping decision.
bolttech
A Singapore insurtech quietly turned the checkout button into an insurance counter. Now 230 insurers and 700 partners run through its pipes.
Clupp
Clupp is a Mexico City insurtech offering pay-per-kilometer insurance for cars, motorcycles, bicycles, scooters, and gadgets. Its app prices policies on how much and how well you drive, rewarding low-mileage and low-risk customers with lower premiums. Founded in 2021 and backed by Y Combinator (W22), Clupp partners with established carriers and reinsurers to cover claims, and has expanded into B2B SaaS tools for brokers and insurance products tied to startup financing.
Inclusivity Solutions
Inclusivity Solutions is a Cape Town-based inclusive insurtech that designs and delivers embedded, affordable digital insurance for emerging consumers across Africa. Through its open-API platform ASPin, it partners with banks, telcos, insurers and fintechs to build, sell and administer low-cost products - life, accident, hospital cash, device and crop cover - distributed via mobile channels people already use. The company operates in roughly ten African markets and has served over two million customers.
Peak3
Peak3 (formerly ZA Tech) is a Singapore-headquartered insurtech that builds cloud-native, AI-ready core software for the insurance industry. Its modular platform - spanning policy administration, distribution, claims and orchestration - lets insurers, MGAs and brokers launch and run life, health and property & casualty products across many markets. Founded in 2018 out of Chinese insurtech ZhongAn and rebranded to Peak3 in 2024 alongside a US$35M Series A led by EQT, the company powers global insurers such as AIA, Generali, Prudential and Zurich, and embedded-insurance programs for digital platforms including Grab, Klook, Lazada and PayPay. Its software has supported over a billion policies across 20-plus countries.
PolicyStreet
PolicyStreet is a Malaysia-based, full-stack insurtech group that makes insurance simpler and more accessible across Southeast Asia and Australia. Founded in 2016 and operating under holding company Polisea, it works with more than 40 life, general and Takaful providers to deliver embedded insurance, employee benefits, gig-worker protection, financial advisory and an online insurance marketplace through B2B, B2B2C and direct-to-consumer channels. Backed by Khazanah Nasional, Cool Japan Fund and others, it has grown to serve over 10 million customers and turned profitable in 2025.
Briza
Briza is a Toronto-based insurtech that started as a unified, API-first platform for small-business commercial insurance - letting agencies, brokers and software platforms quote, bind and pay for policies like BOP, GL, WC and cyber through a single integration. Founded in 2016, the company has since narrowed its focus to carrier API reliability, applying manufacturing-style engineering discipline to reduce failed submissions and slow integrations that cost carriers premium.
Goodcover
Goodcover is a San Francisco insurtech offering cooperative renters insurance built around a member-first model. Founded in 2017 and launched out of Y Combinator, it operates as a Managing General Agent that pools members' premiums, takes a fixed fee, pays claims, and returns leftover premium to members as an Annual Member Dividend. The pitch: renters insurance for roughly half the price of legacy carriers, with a fully digital sign-up, human support, and a structure that aligns the company's incentives with its members rather than with retaining unclaimed premium as profit.
Reframe Financial
Reframe Financial is a Los Angeles-based insurtech building digital-first insurance for the messy middle of life - the years when millennials and Gen Xers are raising kids and starting to care for aging parents. Its flagship product, Reframe LifeStage, bundles Indexed Universal Life insurance with cash value and long-term care benefits into a single policy that evolves across three life stages, sold through employers and associations with online underwriting that skips the lab tests and interviews.
Just
Just (Just Insure) is a Los Angeles-based insurtech offering pay-per-mile auto insurance. Instead of pricing premiums on demographics like age, sex or ZIP code, Just uses smartphone telematics to charge drivers for the miles they actually drive and reprices rates monthly based on how, when and where they drive. The model is aimed at low-mileage and safe drivers, with the company claiming savings of up to 50% versus traditional carriers. Founded in 2019 by Robert Smithson, Just launched in Arizona and has expanded into Nevada.
Ladder
Ladder is a Palo Alto-based digital life insurance company that lets people apply for fully-underwritten term life coverage online in minutes, with the ability to ladder coverage up or down as life changes. Founded in 2015, it became the first fully digital life insurance carrier in 2021 after launching its own underwriting entity, Ladder Life Insurance Company.
Sureify
Sureify is a San Jose-based insurtech that sells Lifetime, a low-code, cloud-native SaaS platform life and annuity carriers use to acquire, service, and engage policyholders across web and mobile. Founded in 2012 by Dustin Yoder, it counts Allstate, Amica, Principal, State Farm, AAA Life, Brighthouse Financial and others among its customers.