# InsureMO

> Insurance middleware platform connecting core systems, distribution channels, and AI workloads for insurers, MGAs, brokers, and embedded\-insurance partners\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurance Platforms |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Singapore |
| Founded | 2000 |
| Stage | Enterprise |
| Employees | 501-1000 |
| Funding | Bootstrapped |

## Overview

InsureMO is an insurance middleware platform for insurers, MGAs, brokers, and embedded-insurance channels across life, health, and P&C lines. The platform sits between policy administration cores and distribution endpoints, exposing a catalog of pre-built insurance products and atomic APIs that downstream systems can compose without rebuilding the core.

The platform is delivered as Platform-as-a-Service across three pillars: an Insurance API Platform with 2,000+ atomic microservice APIs covering quote, policy, claims, billing, and servicing; a Data Platform (DataMO) that consolidates operational data into a unified real-time layer; and an AI Platform that bundles domain-specific models, agents, and orchestration. The architecture is API-first, cloud-native, microservices-based, and headless (MACH), with native integration paths for AI coding agents such as Cursor, GitHub Copilot, and Claude Code.

InsureMO is the platform arm of Singapore-based eBaoTech, founded in 2000. The company reports 500+ customers, 5,000+ channel partners, 17,500+ pre-built products, and over USD 25 billion in gross written premium processed annually across 50+ countries. Named customers and channels include Ageas, AXA, Chubb, Generali, HSBC Life, MetLife, SBI General, Tata Capital, Oona Insurance, Volvo, Geely, OLA, bKash, Viettel, CRED, and VFS Global.

## Products & services

### Insurance API Platform

A library of 2,000+ atomic microservice APIs that cover the full policy lifecycle and can be orchestrated into business APIs through the iComposer tool.

**Key features:**

- 2,000\+ atomic APIs spanning product, quote, policy, claims, billing, and servicing
- iComposer orchestration layer for assembling business APIs from atomic ones
- MACH \(microservices, API\-first, cloud\-native, headless\) architecture
- API surface designed for consumption by AI coding agents \(Cursor, GitHub Copilot, Claude Code\)

*Target users:* Carrier IT and digital teams, MGAs, brokers, and embedded\-insurance partners building distribution and servicing applications\.

### Insurance Data Platform \(DataMO\)

A unified data foundation, marketed as the Insurance Data Ocean, that ingests, models, and serves operational insurance data to analytics and AI workloads.

**Key features:**

- Multi\-mode ingestion: API, streaming, near real\-time CDC, scheduled batch
- No\-code pipeline transformation, modeling, lineage, and quality assurance
- Pre\-built insurance domain models, semantics, metrics, and wide tables
- Real\-time link to transactional flows for quotes, issuance, billing, and claims

*Target users:* Carrier and channel data, analytics, and AI teams\.

### Insurance AI Platform

Domain-specific AI infrastructure that runs on top of the Data and API platforms.

**Key features:**

- Pre\-built knowledge bases and agent skills for insurance use cases
- Agent orchestration and fine\-tuning modules
- External LLM connectivity for bring\-your\-own\-model deployments
- Underwriting, claims, customer service, and distribution agent templates

*Target users:* Insurance product, claims, and operations teams adopting AI\-driven automation\.

### Product Libraries

A catalog of 17,500+ pre-built insurance products spanning life, health, P&C, commercial, and specialty lines.

**Key features:**

- 17,500\+ ready\-to\-deploy product configurations
- Forking and customization for local market and channel needs
- Pre\-wired to API and Data platforms

*Target users:* Carriers and MGAs launching or localizing insurance products\.

### Core Modernization

Tooling and services for modernizing or replacing legacy policy administration, billing, and claims systems.

**Key features:**

- Coexistence patterns for running middleware alongside legacy cores
- Atomic API surface that decouples distribution from core systems
- Pairing with eBaoTech's GeneralSystem and LifeSystem core suites

*Target users:* Carrier and group IT organizations executing core transformation programs\.

### Digital Distribution and Embedded Insurance

Multi-channel connectivity that powers bancassurance, auto finance, ride-hailing, telecom, travel, and broker portals.

**Key features:**

- 5,000\+ pre\-integrated distribution channels
- Embedded\-insurance flows for non\-insurance partners
- Channel\-specific product catalogs and quote/bind/issue APIs

*Target users:* Banks, telcos, OEMs, mobility platforms, retailers, and brokers offering insurance\.

## Category & focus

- Subcategories: API platform, insurance middleware, embedded insurance, data platform, insurance AI
- Insurance verticals: Life & Annuity, P&C, Health, Specialty
- Target customers: Carriers, Brokers, MGAs, Agents, Embedded\-insurance channels \(banks, telcos, mobility, retail\)

## Notable customers

- Ageas
- AXA
- Chubb
- Generali
- HSBC Life
- MetLife
- SBI General
- Tata Capital
- Oona Insurance
- WTW \(Willis Towers Watson\)
- bKash
- Viettel
- CRED
- Geely
- Volvo
- VFS Global
- OLA
- UOI

## Links

- Website: <https://insuremo.com>
- Directory profile: <https://insurtechlist.com/companies/insuremo/>
- Events: <https://insuremo.com/en/events/>
- Linkedin: <https://www.linkedin.com/company/insuremo>
- Platform: <https://insuremo.com/en/platform>
- Parent \(ebaotech\): <https://www.ebaotech.com>

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*Last updated: 2026\-04\-30*