Kooli

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

Insurtech Infrastructure Growth 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

At a Glance

Founded: 2019
Headquarters: Arruda dos Vinhos, Portugal
Employees: 11-50
Funding: Seed

Category & Focus

Category: Insurtech Infrastructure
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