# Asteya

> Life is unpredictable, income should not be\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Miami, FL, USA |
| Founded | 2020 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Seed |

## Overview

Asteya is a Miami-based insurtech company founded in 2020 to modernize income protection insurance and make disability coverage accessible to all working individuals. The company mission is to democratize access to financial safety nets by eliminating the traditional friction points in disability insurance underwriting -- no medical exams, no proof of income verification, and no phone interviews required.

The platform enables consumers to get a quote and bind a disability income policy in 30 minutes or less, with A-rated coverage delivered entirely online. Asteya targets a broad market from corner store employee to corner office executive, with gender-neutral pricing and coverage options starting as low as USD 6/month. The company has raised USD 18.5M in funding since its 2021 launch, backed by institutional investors and notable angels including Whitney Wolfe Herd (founder of Bumble) and Geeta Sankappanavar.

Beyond its direct-to-consumer offering, Asteya is developing an enterprise no-code SaaS platform that allows non-technical users to create custom insurance use cases and full operating insurance systems from scratch, signaling a strategic expansion into B2B technology.

## Products & services

### Permanent Disability Insurance

One-time lump-sum benefit policy covering permanent total disability. Coverage up to USD 500,000 with instant approval and policy delivery via email. Underwritten by A-rated partners.

**Key features:**

- Coverage up to USD 500,000 lump sum
- Fully digital application and instant policy delivery
- No medical exam required
- A\-rated coverage

*Target users:* Working individuals seeking a financial safety net for permanent disability scenarios

### Monthly Disability Income Insurance

Monthly income replacement benefit policy providing ongoing income if a policyholder cannot work due to illness or injury. Benefits continue until the policyholder returns to regular work.

**Key features:**

- Monthly benefits up to USD 20,000/month
- Customizable coverage tailored to individual needs
- Fully online application and underwriting
- Benefits paid until return to work

*Target users:* Self\-employed professionals, gig workers, freelancers, and employees without employer\-sponsored disability coverage

### Enterprise No\-Code Insurance Platform \(In Development\)

B2B SaaS platform enabling non-technical users to create custom insurance use cases and full operating insurance systems from scratch. Targeted at companies seeking to launch or manage insurance programs without engineering resources.

**Key features:**

- No\-code interface for building insurance products
- Full operating insurance system capabilities
- Custom insurance use case creation
- Enterprise\-grade platform

*Target users:* MGAs, carriers, and enterprises seeking to build or embed insurance products

## Category & focus

- Subcategories: Income Protection, Disability Insurance, Digital Insurance
- Insurance verticals: Life & Annuity, Group Benefits
- Target customers: Consumers

## Links

- Website: <https://www.asteya.world>
- Directory profile: <https://insurtechlist.com/companies/asteya/>
- About: <https://www.asteya.world/about-us>
- Linkedin: <https://www.linkedin.com/company/asteyaworld>
- Crunchbase: <https://www.crunchbase.com/organization/asteya>

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*Last updated: 2026\-04\-09*