# Finaeo Inc\.

> Digital marketplace and advisor platform for independent life and health insurance distribution

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Toronto, Ontario, Canada |
| Founded | 2016 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Seed |

## Overview

Finaeo Inc. is a Canadian insurtech that operates a digital marketplace connecting independent life and health insurance advisors with carriers and clients. Founded in 2016 by Aly Dhalla and Donald Chu -- both former insurance advisors -- Finaeo enables brokers to take clients from prospect to policy entirely digitally, eliminating paperwork and reducing the time to place coverage.

The platform addresses a longstanding gap in the Canadian life and health insurance market where traditional processes relied heavily on paper-based workflows. By providing an end-to-end digital workflow, Finaeo empowers independent advisors to access 15+ carriers and 300+ products, compete with larger distribution networks, and deliver a modern digital experience to their clients.

Finaeo is built by advisors, for advisors. Its mission is to reimagine the life insurance industry by building the digital fabric to connect and power life and health insurance globally.

## Products & services

### Digital Agency Platform

An end-to-end digital workflow platform enabling independent life and health insurance advisors to prospect, quote, apply, and bind coverage without paper. The platform provides CRM, pipeline management, quoting, e-application submission, and regulatory compliance tools built specifically for life and health insurance advisors.

**Key features:**

- Access to 15\+ carriers and 300\+ products for instant quote and comparison
- CRM and pipeline management for advisor book of business
- E\-application and digital document management
- Regulatory compliance tracking

*Target users:* Independent life and health insurance advisors and brokers

### Carrier Marketplace

An API-driven marketplace that connects advisors to multiple Canadian life insurance carriers with seamless information transfer. Brokers can access top-tier carriers, run product comparisons, generate quotes instantly, and launch applications directly from Finaeo with selected carriers without manual re-entry.

**Key features:**

- Direct API integrations with carriers including Empire Life
- Straight\-through application processing
- No\-code integration option for non\-integrated carriers
- Seamless transfer of client data to carrier systems

*Target users:* Independent brokers, carriers seeking distribution reach

### Client Portal

A branded digital portal enabling advisors to onboard clients fully digitally. Clients receive a digital app to store and manage all their policies in a digital wallet, delivering a modern consumer experience while maintaining security and compliance.

**Key features:**

- Branded advisor portal for client onboarding
- Digital policy wallet for policyholders
- Secure document exchange
- Compliance\-ready digital workflows

*Target users:* Insurance advisors and their end clients

## Category & focus

- Subcategories: Agency management, digital storefront, quote\-to\-bind, embedded compliance
- Insurance verticals: Life & Annuity, Group Benefits
- Target customers: Brokers, Agents/Agencies, Carriers

## Notable customers

- Empire Life \(carrier integration partner\)
- APOLLO Insurance \(distribution partner\)

## Links

- Website: <https://www.finaeo.com>
- Directory profile: <https://insurtechlist.com/companies/finaeo/>
- About: <https://www.finaeo.com/who-we-are/>
- Linkedin: <https://ca.linkedin.com/company/finaeo>
- Newsroom: <https://www.finaeo.com/who-we-are/newsroom/>
- Security: <https://www.finaeo.com/security/>

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*Last updated: 2026\-05\-12*