Overview
Klimber is an embedded insurance platform for digital distribution in Latin America, serving carriers, digital platforms, and other partners across Argentina, Brazil, Chile, Uruguay, Colombia, and Mexico. The company enables partners to integrate insurance products into their own platforms via API without building proprietary insurance infrastructure.
The platform provides a full-stack embedded insurance stack including actuarial tools, product development, policy lifecycle automation, and claims management. Distributed via REST API, the system runs at 95-100% automation for pricing, underwriting, and claims processing, supporting personal accident, health, auto, and assistance insurance product lines.
Founded in 2016, Klimber has grown to serve over 15 million policyholders as of May 2025, with more than 600 million policies transacted through the platform. Strategic investors include MetLife (acquired a 20% equity stake in April 2025), Swiss Re, Prudential Financial, and Endeavor Argentina.
Products & Services
Embedded Insurance Platform
An API-first infrastructure that allows digital partners to integrate insurance products directly into their platforms. The platform handles actuarial configuration, product development, policy issuance, policy lifecycle management, and claims automation.
Key Features
- Full policy lifecycle automation from quote to claims
- Pre-built API libraries for rapid partner integration
- Support for personal accident, health, auto, and assistance products
- Actuarial and product development tooling
Target Users: Digital platforms, carriers, and distributors entering the Latin American insurance market
AI-Native Operations Layer
Automated insurance operations infrastructure leveraging AI to manage pricing, underwriting, and claims without partner-side development.
Key Features
- 95-100% automation across underwriting and claims
- Manages complex multi-product portfolios at scale
- Supports millions of policyholders across six countries
Target Users: Insurance carriers and digital distribution partners
At a Glance
- Founded
- 2016
- Headquarters
- Buenos Aires, Argentina
- Employees
- 51-200
- Funding
- Series A
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance API Platform Digital Distribution
- Insurance Verticals
- P&C Personal Health Life & Annuity
- Target Customers
- Carriers, Brokers, MGAs/MGUs
Customers
- MetLife (strategic investor, April 2025)
- Multiple carriers and digital platforms in Argentina, Brazil, Chile, Uruguay, Colombia, and Mexico
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Last updated: 2026-05-17