# Kooli

> White\-label cloud insurance platform for end\-to\-end digital policy lifecycle management

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Arruda dos Vinhos, Portugal |
| Founded | 2019 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Seed |

## Overview

Kooli is a white-label insurance platform for insurers, brokers, and businesses that covers the full policy lifecycle from sales through claims management. The company is based in Portugal and founded in 2019, serving clients seeking to digitize insurance operations under their own brand.

The platform is delivered as a cloud-native, API-native SaaS offering and supports health, auto, workers' compensation, and P&C insurance lines. Key capabilities include AI-powered fraud detection, claims automation, customer retention tools, and analytics. The white-label architecture enables clients to deploy a fully branded digital insurance experience without building the underlying technology.

Kooli targets regional insurers and brokers primarily in the EMEA market. The company was featured in the Portugal Fintech Report 2023 and is in an active hiring phase as of 2026, indicating continued growth.

## Products & services

### White\-Label B2B2C Insurance Platform

A cloud-based end-to-end insurance platform enabling clients to deliver digital insurance experiences under their own brand. Covers the full lifecycle from sales quotation through claims resolution.

**Key features:**

- Fully white\-labeled front\-end with custom branding
- End\-to\-end policy administration from quoting to claims
- API\-native architecture for integration with existing insurer systems

*Target users:* Insurers, brokers, and insurance\-adjacent businesses

### Health Insurance and TPA Management

Health insurance and Third Party Administrator management module supporting enrollment, claims processing, and member management for health insurance operators.

**Key features:**

- Member enrollment and policy management
- Claims processing and adjudication
- TPA workflow support

*Target users:* Health insurers and TPAs

### Auto Insurance Module

Car insurance product module integrated into the platform, supporting the full lifecycle from quotation through claims.

**Key features:**

- Digital quotation and policy issuance
- Claims intake and management
- Customer self\-service portal

*Target users:* Auto insurers and digital brokers

### Fraud Prevention and Claims Automation

AI and machine learning-powered fraud detection and prevention tools integrated across all insurance products, combined with claims automation capabilities.

**Key features:**

- AI\-driven fraud scoring and detection
- Automated claims routing and processing
- Machine learning models trained on insurance data patterns

*Target users:* Insurers and TPAs seeking to reduce claims fraud and processing costs

### Analytics and Insights

Data analytics and reporting module providing business intelligence on policy performance, claims trends, and customer behavior.

**Key features:**

- Policy and claims performance dashboards
- Customer retention analytics
- Customizable reporting

*Target users:* Insurance operations and management teams

## Category & focus

- Subcategories: White\-label insurance platform, Policy lifecycle management, Connected insurance
- Insurance verticals: P&C Personal, P&C Commercial, Health, Workers Compensation
- Target customers: Carriers, Brokers, MGAs/MGUs

## Links

- Website: <https://kooli.io>
- Directory profile: <https://insurtechlist.com/companies/kooli/>
- Careers: <https://kooli.io/careers/>
- Linkedin: <https://www.linkedin.com/company/kooli-insurtech>

---

*Last updated: 2026\-05\-17*