# Insurino

> Policy\-data aggregation and credit\-verification platform for Swedish insurance advisors, brokers, and lenders\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Data & Analytics |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Solna, Sweden |
| Founded | 2017 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Seed |

## Overview

Insurino is a data-aggregation platform for insurance advisors, brokers, and insurers in Sweden's P&C personal insurance market. The Solna-based company builds tools that pull a customer's existing policy and financial data into a single view, reducing the manual document review that advisors and lenders otherwise handle by hand.

The company's core insurance product, Forsakringsoversikt (Insurance Overview), aggregates a customer's existing insurance policies into one dashboard, extracting contract and coverage details from policy documents automatically and flagging upcoming renewal dates. Insurino also builds Lonespec Online, a credit and employment verification flow for lenders that uses BankID identification and pulls income data directly from the Swedish Tax Agency (Skatteverket) for real-time credit decisioning. Both products are delivered as web-based SaaS tools built on API access to Swedish government and identity-verification data sources.

Insurino was founded in 2017 by Nikita Koroed and Waldemar Gromov (CEO) and has raised a seed round of undisclosed size. Customers include TF Bank and GF Money; GF Money's managing director credited the company with a 15% increase in lending and roughly 15 hours of weekly processing-time savings.

## Products & services

### Forsakringsoversikt \(Insurance Overview\)

Aggregates a customer's existing insurance policies into a single interface for insurance advisors, brokers, and insurers. Extracts contract and coverage details from policy documents automatically, flags upcoming expiration and renewal dates, and supports needs-analysis during advisory conversations. Positioned by the company as a step toward Open Insurance-style policy-data sharing, though no public API or formal data-sharing standard is documented for this product.

**Key features:**

- Automatic policy document extraction
- Renewal and expiration tracking
- Needs\-analysis support for advisors

*Target users:* Insurance advisors, brokers, and insurers

### Lonespec Online

A three-step credit application flow for lenders: BankID identification, automatic collection of income and employment data directly from Swedish government authorities such as Skatteverket, and real-time credit decisioning.

**Key features:**

- BankID identification
- Direct data collection from the Swedish Tax Agency
- Real\-time credit decisioning

*Target users:* Lenders

## Category & focus

- Subcategories: Policy data aggregation, Open Insurance data sharing
- Insurance verticals: P&C Personal
- Target customers: Brokers, Carriers

## Notable customers

- TF Bank
- GF Money
- Elmarknad
- Sera
- Plus1

## Links

- Website: <https://www.insurino.se/>
- Directory profile: <https://insurtechlist.com/companies/insurino/>
- Linkedin: <https://www.linkedin.com/company/insurino>
- Product page: <https://www.insurino.se/forsakring>

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*Last updated: 2026\-08\-12*