InsureApp

Mobile platform for lifestyle-based embedded insurance distribution

Distribution & Sales Startup Bootstrapped

Overview

InsureApp is an embedded insurance distribution platform for the B2B2C market, enabling businesses in non-insurance industries to offer personalized insurance products to their end-users based on smartphone sensor data and lifestyle patterns. The platform categorizes user behavior in real time to surface contextually relevant insurance at moments when products are most applicable -- for example, presenting travel insurance when a user arrives at an airport, or motor coverage based on detected driving context.

The company delivers its technology as a mobile SaaS platform with API integration, processing data from smartphone sensors and IoT devices through machine learning models. The system builds behavioral profiles to support dynamic pricing, on-demand policy issuance, and real-time notification delivery. Integration with existing insurance backends or cloud-based Insurance-as-a-Service (IaaS) platforms is supported, allowing carrier partners to connect actuarial models, underwriting logic, and policy management systems.

InsureApp was founded in 2016 and operates as part of RISK Ventures, a Dutch insurance company established in 2000. The platform is available through iOS and Android mobile applications.

Products & Services

Lifestyle Insurance Platform

A mobile SaaS solution for embedding insurance distribution into consumer applications. The platform gathers smartphone sensor data to build lifestyle profiles for each user, then uses those profiles to determine when and which insurance products to offer. The B2B2C model lets non-insurance businesses add insurance distribution to their services without building insurance infrastructure.

Key Features

Contextual real-time notifications matching insurance products to user activity
User-based insurance (UBI) capabilities extending beyond driving to full lifestyle context
On-demand and just-in-time policy issuance
Cross-sell and upsell logic based on behavioral patterns
Health and activity analytics (heart rate monitoring, stress detection, sleep stage)
Machine learning-based dynamic pricing
Direct quotation, comparison, and instant policy binding

Target Users: Non-insurance businesses and mobile platform operators seeking to embed insurance for their customers; insurance carriers seeking behavior-driven distribution channels