InsureMO
Insurance middleware platform connecting core systems, distribution channels, and AI workloads for insurers, MGAs, brokers, and embedded-insurance partners.
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.
At a Glance
- Founded
- 2000
- Headquarters
- Singapore
- Employees
- 501-1000
- Funding
- Bootstrapped
Category & Focus
- Category
- Insurance Platforms
- 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)
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
Last updated: 2026-04-30