Fidens Insurtech

Cloud-based insurance distribution platform serving carriers, brokers, banks, and retailers across Latin America.

Distribution & Sales Established Bootstrapped

Overview

Fidens Insurtech is a digital insurance distribution software provider headquartered in Santiago, Chile, serving carriers, banks, brokers, retail organizations, and fintechs across Latin America. Founded in 2002, the company built the first internet-based policy issuance platform in Chile and has operated as a regional distribution technology specialist for over two decades.

The company offers a cloud-based SaaS platform for mass insurance sales, an API ecosystem hub connecting 20+ third-party services (payments, identity verification, e-signatures, and communications), and a data analytics solution powered by AI and predictive modeling. The platform is designed for rapid deployment -- typically under 30 days -- and supports multi-channel, multi-company sales management with a modular configuration model.

By 2024, half of Chile's top 10 insurance companies distributed insurance online through the Fidens Platform. The company serves six markets -- Chile, Bolivia, Colombia, Ecuador, Peru, and the Dominican Republic -- and in 2024 opened a Miami office to expand into Mexico, Colombia, Central America, and the Caribbean. In March 2025, Fidens was selected as the exclusive digital product factory partner for U.S. wholesale broker platform BlockRisk.

Products & Services

Fidens Platform

Cloud-based software platform for mass insurance distribution, designed for rapid deployment (under 30 days). Built on Google Material Design standards, the platform provides multi-module administration covering sales, branches, companies, products, workflows, users, and permissions.

Key Features

Multi-channel and multi-company sales management
User-profile dashboards and post-sale services (endorsements, document management, claims)
REST API with JSON for third-party integrations
Security controls: SSL encryption, JWT authentication, role-based access control, encrypted data storage

Target Users: Insurance carriers, banks, retailers, brokers, and fintechs seeking configurable digital distribution

Fidens Connect

API ecosystem hub launched at Insurtech Connect Las Vegas 2024, providing access to 20+ connected partner solutions spanning payments, identity verification, e-signatures, and customer communications.

Key Features

Payments: Flow, Webpay, Toku (automated billing and collection)
Identity and security: TOC Biometrics, Acepta, eCertLA, Clave Unica
Communications: Chattigo (multi-channel customer messaging), Fidelizador (email/SMS/WhatsApp)
Modular: clients select only the integrations they need

Target Users: Fidens Platform clients seeking pre-built third-party integrations

Fidens Intelligence

Data analytics solution combining business intelligence, artificial intelligence, and predictive analytics to convert insurance operational data into actionable insights for insurers and distributors.

Key Features

AI-powered predictive analytics
Data visualization and reporting
Actionable intelligence for distribution optimization

Target Users: Insurers and distribution partners seeking data-driven operational insights

At a Glance

Founded: 2002
Headquarters: Santiago, Chile
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: Digital Insurance Distribution API Platforms Embedded Insurance
Insurance Verticals: P&C Personal P&C Commercial Life & Annuity
Target Customers: Carriers, Brokers, Banks, Agents/Agencies