# Naftilus Insurtech

> Digital\-native microinsurance MGA designing and distributing lifestyle\-focused insurance products in Greece

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Athens, Greece |
| Founded | 2022 |
| Employees | 11-50 |

## Overview

Naftilus Insurtech is a microinsurance MGA based in Athens, Greece, serving low-to-middle-income individuals and small business owners through digital distribution channels. As a startup intermediary, the company designs, underwrites, and distributes life and non-life microinsurance products either directly to consumers or through B2B2C partnerships with telcos, banks, and fintechs.

The company operates through two main program tracks: digitally delivered microinsurance products targeting everyday income protection and lifestyle coverage, and traditional commercial risk advisory services drawing on the founders' backgrounds in large-risk brokerage and underwriting. Carrier capacity is sourced from Greek and international insurance markets; specific carrier partners were not publicly disclosed.

Distribution relies on white-label partnerships with mass-market companies, which embed Naftilus products at their points of sale. The company also provides embedded insurance as a service (IaaS) to insurance intermediaries and other partners seeking to add insurance revenue streams.

## Products & services

### Microinsurance Products

Naftilus designs and distributes digitally driven life and non-life microinsurance products aimed at low-to-middle-income families and small entrepreneurs. Products are structured around income protection and everyday risk coverage, marketed as simple, transparent, and affordably priced.

**Key features:**

- Life microinsurance
- Non\-life personal lines microinsurance
- Income protection and everyday risk coverage

*Target users:* Individuals and families with low\-to\-middle incomes; small business owners

*Distribution:* Direct\-to\-consumer \(D2C\) and B2B2C via telcos, banks, and fintechs

### Embedded Insurance as a Service \(IaaS\)

Naftilus partners with insurance intermediaries and other companies to build white-labeled, embedded insurance products integrated at the point of sale. Partners can offer branded insurance products through the Naftilus platform, creating additional revenue streams.

**Key features:**

- White\-label microinsurance embedding
- Custom product design for partner channels
- Digital\-first policy administration and distribution

*Target users:* Telcos, banks, fintechs, insurance intermediaries

*Distribution:* B2B via partner integrations

### Commercial Risk Advisory

Drawing on the founding team's background in large commercial risk brokerage and underwriting, Naftilus offers advisory services across a full spectrum of business risks.

**Key features:**

- Fire and business interruption insurance
- Liability insurance
- Credit insurance
- Marine risks
- Renewable energy insurance

*Target users:* Greek businesses and companies with international risk exposure

*Distribution:* Direct advisory and placement

### Private Lines and Reinsurance

The company rounds out its offering with private lines and reinsurance placement services.

*Target users:* Corporates and partners with complex risk profiles

*Distribution:* Direct

## Links

- Website: <https://naftilus.com>
- Directory profile: <https://insurtechlist.com/companies/naftilus/>
- Linkedin: <https://www.linkedin.com/company/naftilus-insurtech>

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*Last updated: 2026\-06\-25*