life-insurance
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Olé Life put insurance online. The agents stayed.
A ten-minute application is the easy part. Olé Life’s more interesting wager pairs dollar-denominated protection with thousands of distributors and insurers who know the local rules.
Everest Funeral Concierge puts an expert on your side of the table
Life insurance pays a claim. Everest helps families decide what happens next, with independent funeral advisers, price comparisons and a place to put the paperwork before anybody needs it.
Milliman IntelliScript found a second life in your medical data
When health reform upended its original business, IntelliScript turned prescription histories into a new kind of life insurance evidence. Its expanding product line asks a deceptively practical question: what could you decide sooner if you understood the records you already had?
Health IQ Bet the Company on Knowing You Better Than Your Broker
A health quiz became a life-insurance discount, then a Medicare prediction engine. The idea was unusually legible. The bill for scaling it was not.
Compare Club sells relief from the bills you keep putting off
The Australian comparison business pairs digital tools with people who help finish the switch. Its opportunity lies in the gap between finding a cheaper deal and actually doing something about it.
The Quiet Machine Behind Faster Life Insurance
UnderwriteMe turned the life-insurance questionnaire into infrastructure: one application for advisers, configurable decisions for insurers, and fewer files waiting for a human to retype them.
Empire Life Spent 100 Years Selling Certainty. Now It Has to Sell Speed.
The Kingston insurer has C$20.8 billion in assets, a century of claims history and a fresh digital mandate. Its most interesting product is not another policy - it is the attempt to make old-fashioned reassurance feel fast.
Insurance Supermarket’s $100 Million Lesson: The Last Mile Was an Advisor’s Car
The Canadian insurtech digitized quotes, underwriting and policy binding - then discovered its bottleneck still had four wheels. Its pivot from house calls to browser calls is a useful playbook for anyone automating a stubbornly human business.
Manulife Is Turning a 139-Year-Old Insurer Into a Health-and-Wealth Operating System
The Canadian insurer spent years untangling yesterday's promises. Now it is betting that the same customer needs protection, investing, banking and help living longer - and that one global balance sheet can serve them all.
Afficiency Found the $10 Billion Insurance Shortcut: Help the Agent, Skip the Exam
Life insurance’s first digital bet was to remove the agent. Afficiency took the more useful route - remove the paperwork, keep the human, and turn a process measured in weeks into one sitting.
The Insurance Broker That Turned Itself Into an API
Born inside the world's largest independent broker, Mylo spent a decade turning insurance advice into software other companies can plug in. Here is how a Kansas City team quietly became the insurance layer behind small-business platforms.
The $40,000 Bet That Turned Bilingual Insurance Into a 280-Office Machine
Ivan and Ania Herrera bought a name with no customers in the middle of a financial crisis. Their useful insight was less glamorous than disruption: speak the customer’s language, compare more carriers and turn the neighborhood agent into a repeatable franchise.
The $380 Billion Business of Giving Savers Permission to Spend
Corebridge sells a surprisingly emotional product: permission to use the money you spent decades saving. Behind that promise sits an old insurance engine, a young public brand and a pending merger that could erase the name almost as quickly as it arrived.
The Insurance Company That Started With a Bet on Farmers
A hunch about farmers in 1927 grew into a top-ten American insurer. Here is how American Family Insurance built a mutual empire on the promise to inspire, protect, and restore dreams.
Symetra Sells Certainty in a Business Built on Careful Guessing
Founded in 1957 as a Safeco side project and now owned by one of Japan's oldest life insurers, the Bellevue company underwrites 2.5 million Americans' retirement income, benefit claims and life policies - then sponsors their hockey team.
The $1.7 Billion Reason Guardian Life Still Believes in an Old-Fashioned Idea
Guardian Life has spent 165 years selling protection against life’s worst timing. Its mutual structure now pairs a record policyholder payout with the less glamorous work of making benefits, claims and leave easier to use.
The 119-Year-Old Insurer Built for the Next Life Moment
Protective Life spent more than a century insuring families. Its next act is broader: retirement income, dealer finance, employee leave and a pending move into specialty insurance - all powered by a quiet expertise in buying and administering promises that can last for decades.
The Life Insurer That Would Rather You Stay Alive
At 164, John Hancock is recasting the oldest bargain in insurance: instead of waiting to pay after death, it rewards customers for living better now. The experiment links life insurance to wearables, cancer screening, longevity research and a growing stack of health technology.
eFinancial
eFinancial spent 25 years turning a paperwork-heavy purchase into a guided online-and-phone experience. Its quiet advantage is not removing the agent, but giving the agent better tools.
Farm Bureau Insurance of Tennessee
A company created because insurers would not cover Tennessee farm structures now protects more than two million homes, vehicles and small businesses. Its advantage is deliberately local: membership, agents and claims teams embedded across one state.
Erie Insurance Group
Erie grew from a business plan scribbled on a dime-store tablet into a Fortune 500 insurer. Its enduring advantage is surprisingly analog: a narrow map, local agents and the belief that service is part of the policy.
TruStage
Born to make a borrower's debt die with the borrower, TruStage now spans life insurance, annuities, embedded loan protection and a credit-union stablecoin. Its real product is the bridge between old financial trust and new financial plumbing.
Horace Mann
Horace Mann built an 80-year business by studying one customer more closely than most insurers study a market. Its wager is that understanding the financial life of a teacher - from the school parking lot to retirement - can still be a durable advantage.
CNO Financial Group
The middle of the market that Wall Street forgot has a $4.5-billion insurer built entirely around it - one careful policy, and one kitchen-table conversation, at a time.
MetLife
The 158-year-old insurer is becoming a three-engine financial platform: workplace benefits, retirement-risk transfer and global asset management - all hidden behind one familiar blue-and-green M.
Prudential Financial
The 150-year-old insurer has become a three-engine financial machine: protection for families, retirement risk transfer for institutions, and a $1.4 trillion active asset manager. Its advantage is not novelty, but the ability to price promises that may last longer than the people who make them.
Equitable
Equitable has spent 167 years selling certainty. Now it is redesigning itself around advice, assets and a proposed merger that would put $1.5 trillion under one roof.
Principal Financial Group
Principal began by selling affordable life insurance to bankers in 1879. Today, its quiet advantage is a workplace-to-wealth pipeline that reaches millions of people before they ever choose a financial brand for themselves.
Sun Life
Sun Life spent 160 years learning how to price the future. Now it is turning that patience into a three-part business spanning protection, workplace health and global asset management.
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.