A new revenue stream for your business and meaningful cover for the customers who need it most. You offer something that matters. We make it possible.
80% of life insurance policies in the UK are sold through intermediaries that most people don’t have. That’s why 24 million adults have no cover, not because they don’t need it, but because the existing model was never designed to reach them.
The FCA’s Pure Protection Market Study found that 72% of protection needs are unmet and 58% of adults hold no protection product at all. The gap is enormous, and the old distribution model can’t close it.
But digital platforms already reach these customers every day. Fintechs, payroll providers, mortgage platforms, wealth managers. Embedded distribution puts life insurance where people already are, inside the services they already trust.
Cover that adapts to people’s lives, starting from a few pounds a month. No jargon, no intermediary, no lengthy application. Customers can apply in minutes and their cover renews annually, always reflecting what they need.
You earn recurring commission from every active policy, from day one. The longer your customers stay covered, the more your revenue grows. There’s no clawback and no repayment risk, so you can focus on engagement rather than chasing replacements.
We work with you to build an insurance experience that feels native to your platform. Fast onboarding, a clean customer journey at every touchpoint, and the flexibility to start with a simple referral link or go deeper with a full API integration.
Annually renewable, fairly priced, and simple enough for your customers to buy inside your platform in minutes.
72% of UK adults have no life insurance. Not because they don't need it. Because nobody has made it easy enough to buy. Cover that starts from a few pounds a month, applied for in minutes, inside a platform they already trust.
5.5 million small businesses are too small for traditional group schemes. Your platform gives their employees access to meaningful protection, embedded in the service they already use. No brokers, no complexity.
You have the customers and the trust. We have the insurance licence, the products, and the technology. Together we give your users access to life insurance directly through your platform.
Your customers trust you with their money. Now offer them something that protects their family.
Every employee onboarded is a customer who could have cover by the end of the week.
Protection at the moment people think about it most. Embedded at the point of sale.
Your clients plan for the future. Life insurance is the piece most are missing.
Group protection without the group scheme complexity. Embedded in what you already offer.
Life insurance as a revenue stream. We handle all the insurance. You offer your customers something that matters.
Start with a referral link and be live in weeks, or integrate via our API for a fully embedded experience. You choose the depth and we flex to fit.
Product, underwriting, claims, servicing, and payments, all under one roof as a fully regulated insurer. Your customers never leave your platform.
Recurring monthly commission on every active policy. The longer your customers stay covered, the more your book is worth.
Your customers get life insurance that works for them. You get a revenue stream that grows over time. We handle everything in between.
Start the conversation →Authorised by the PRA and regulated by both the FCA and the PRA.
Independent and privately funded. Technology designed and built in-house. Decades of experience in life insurance and distribution.