IPTIQ AMERICAS INC.

White-label embedded insurance platform for North American partners seeking to offer life and P&C products under their own brand

Distribution & Sales Growth Acquired

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Overview

IPTIQ Americas is the North American division of iptiQ, a digital B2B2C insurance platform originally built within Swiss Re Group. The company enables non-insurance brands -- financial services companies, technology platforms, and affinity groups -- to distribute life and P&C insurance products under their own labels, with iptiQ providing underwriting capabilities, technology infrastructure, and regulatory support.

The platform specializes in white-label insurance solutions that allow partners to offer insurance products to their customers without building internal insurance operations. iptiQ handles the full stack: product configuration, automated underwriting, digital customer journeys, policy administration, and customer servicing -- all branded under the partner's identity.

In 2025, Swiss Re completed a management buyout of the iptiQ Americas Sales Solutions business following a strategic decision to exit the digital white-label insurance market. The Americas business continues to operate, serving North American distribution partners with embedded life and P&C products.

Products & Services

Embedded Life Insurance

Term life, protection, and income replacement products distributed through partner channels under partner branding. Products are configured for specific partner segments including financial services companies, technology platforms, and affinity groups.

Key Features

Fully white-labeled under partner brand identity
Automated underwriting for fast digital decisions
Real-time customer journeys with configurable flows

Target Users: Financial services companies, technology platforms, affinity groups seeking to offer life insurance to their customers

Non-Life Embedded Programs

Home, P&C, and specialty coverage offered through partner distribution channels adapted to North American underwriting standards and partner distribution models.

Key Features

Partner-configurable coverage options
Integrated policy administration
North American regulatory compliance built-in

Target Users: Non-insurance brands, employer groups, membership organizations

Digital Partner Platform

Partner-facing technology enabling product configuration, real-time customer journeys, policy administration, and customer servicing. Provides integration capabilities across multiple distribution channels.