# Instaful Solutions

> B2B platform for digital and inclusive insurance distribution in Pakistan and emerging markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Karachi, Pakistan |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Instaful Solutions is a B2B insurance distribution platform serving insurers, banks, and telecom operators focused on underserved populations in Pakistan and emerging markets. The company partners with financial institutions and carriers to distribute micro and digital insurance products through bancassurance and embedded channels.

The platform is structured around an E3A Model -- Easy, Affordable, Available, and Accessible -- covering product digitization, bancassurance workflow optimization, and process design. Instaful also offers strategic consulting on digital and inclusive insurance, and has built specialty product partnerships for women's personal protection and climate risk categories including heat stress, crop, livestock, and property catastrophe coverage. AI-powered distribution channels are delivered through a partnership with FCB.ai.

Founded by Rehan Butt, a practitioner with over a decade of experience in micro, digital, and inclusive insurance across Asia, Africa, and the Middle East, the company has established partnerships with major Pakistani insurers including EFU Life Assurance, Pak-Qatar Family Takaful, and Salaam Takaful, as well as international partners in the GCC region.

## Products & services

### Inclusive & Digital Bancassurance

Platform enabling banks to distribute insurance products to middle-market and underserved customer segments through digital channels.

**Key features:**

- Micro\-insurance product design and digitization
- Digital delivery for mass\-market bancassurance
- Process optimization for underserved segments

*Target users:* Banks and financial institutions in emerging markets

### Climate\-Induced Risk Insurance

Specialty products for climate-vulnerable populations.

**Key features:**

- Heat stress insurance
- Crop and livestock insurance
- Property catastrophe coverage

*Target users:* Agricultural communities and climate\-exposed businesses

### Product Development & Digitization

Services to convert traditional insurance products into digitally deliverable mass-market offerings.

*Target users:* Insurers and reinsurers

### Process Design Services

Lean process redesign for digital mass delivery of insurance products, focused on bancassurance workflows.

*Target users:* Banks and financial institutions with bancassurance operations

### Digital & Inclusive Insurance Strategy Consulting

Advisory services on digital transformation and inclusive insurance market entry.

*Target users:* Carriers and financial institutions entering emerging insurance markets

### Iyzil Personal Protection

Partnership product offering coverage against harassment and violence for women in Pakistan.

*Target users:* Consumer\-facing distribution partners

## Category & focus

- Subcategories: Bancassurance, Embedded Insurance, Microinsurance
- Insurance verticals: Life & Annuity, P&C Personal, Specialty/E&S
- Target customers: Carriers, Banks, Reinsurers

## Notable customers

- FCB\.ai \(Luxembourg\) \-\- conversational AI for insurance distribution
- Shoreline Asia \(Hong Kong\) \-\- bancassurance modernization
- Pak\-Qatar Family Takaful \-\- Inclusive Banca Takaful for mid\- and low\-net\-worth individuals
- EFU Life Assurance
- Salaam Takaful
- TPL Insurance
- B4E Insurtech \(GCC\)

## Links

- Website: <https://instaful-solutions.com>
- Directory profile: <https://insurtechlist.com/companies/instaful-solutions/>
- Blog: <https://instaful-solutions.com/blog>
- Linkedin: <https://pk.linkedin.com/company/instaful-solutions>

---

*Last updated: 2026\-07\-21*