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Nanoinsure

Modular microservices platform for life insurance distribution, sales, and policy administration

Core Administration Growth Bootstrapped
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Overview

Nanoinsure is a cloud-native insurance platform provider for life insurance carriers, offering a modular suite of microservices covering product configuration, digital sales, policy administration, distribution management, and document processing. The company serves carriers across 9 Asian markets in 7 languages and multiple currencies.

The platform, branded NanoUniverse, is built on a microservices architecture deployed on OpenShift and Kubernetes, supporting multi-cloud and hybrid configurations. Products range from a no-code product configurator (NanoBYO) that converts actuarial Excel models into executable insurance products, to an AI-powered OCR document processing module (NanoIDP). Each component integrates via REST APIs, allowing carriers to adopt individual modules without replacing existing core systems.

Founded in Hong Kong in 2019 and bootstrapped to profitability, Nanoinsure reports powering over 30,000 insurance advisors daily, with the platform delivering more than USD 900M in annual Value of New Business and protecting 11 million policyholders. Clients include BNP Paribas Cardif, Chubb, FWD, and Gen Re. The company also maintains offices in Singapore and Japan.

Products & Services

NanoUniverse

The foundational microservices and API platform that underpins all Nanoinsure products. Provides an API-first architecture enabling carriers to compose modular insurance services, eliminate data silos, and integrate with existing technology stacks. Supports multi-cloud and hybrid deployment using containerized infrastructure.

Key Features

  • REST API-first microservices architecture
  • OpenShift/Kubernetes containerized deployment
  • Multi-cloud and hybrid deployment options
  • Cross-module data integration and elimination of silos

Target Users: Life insurance carriers and reinsurers seeking a composable insurance technology stack

NanoBYO (ConfigXcel)

A no-code/low-code product configuration platform that converts actuarial Excel models directly into executable insurance products. Enables carriers to launch simple products in approximately one week and comprehensive investment-linked products in approximately four weeks.

Key Features

  • No-code conversion of actuarial Excel models to live products
  • Configurable underwriting rules and business validation without coding
  • Support for citizen developers and experienced programmers
  • Rapid time-to-market for new insurance products

Target Users: Product management, actuarial, and IT teams at life insurance carriers

NanoPOS

A digital sales platform supporting direct-to-consumer (D2C) and B2B2C distribution models. Reduces the sales process from approximately 60 minutes to 20 minutes with integrated quote-to-bind, eKYC, real-time underwriting, and payment processing.

Key Features

  • Integrated quote-to-bind workflow
  • eKYC and real-time underwriting
  • Payment processing integration
  • Bancassurance and advisor sales workflow support

Target Users: Insurance carriers operating bancassurance or advisor distribution channels

NanoReach

A B2B2C sales portal enabling carriers to extend digital sales capabilities to distribution partners and end customers.

Key Features

  • Partner-branded digital sales portal
  • Extended reach to distribution network and direct customers

Target Users: Carriers with multi-channel or partner distribution strategies

NanoProducer Portal

A producer and customer portal for managing intermediary relationships, licensing, and advisor activity.

Key Features

  • Intermediary licensing and relationship management
  • Advisor activity tracking
  • Producer and customer self-service

Target Users: Insurance carrier distribution operations teams

NanoLife -- New Business & Underwriting

End-to-end new business processing and automated underwriting workflows for life insurance carriers.

Key Features

  • Automated underwriting workflows
  • New business application processing
  • Integration with NanoBYO product rules

Target Users: Life insurance carriers handling new business volumes

NanoLife -- Policy Owner Servicing

Customer service and policy administration module for policy changes, renewals, and policyholder self-service.

Key Features

  • Policy change and renewal management
  • Customer self-service portal
  • Policyholder lifecycle management

Target Users: Life insurance carriers managing in-force policies

NanoLife -- Claims

Claims administration integrated into the NanoLife policy lifecycle suite.

Key Features

  • Claims submission and processing
  • Integration with policy and reinsurance data

Target Users: Life insurance carriers managing claims operations

NanoLife -- Reinsurance

Reinsurance management module for treaty and facultative reinsurance operations within the NanoLife suite.

Key Features

  • Treaty and facultative reinsurance management
  • Ceded reinsurance tracking and reporting

Target Users: Life insurance carriers with reinsurance programs

NanoDMS

Distribution and incentive management system for agent compensation, licensing automation, and distribution network management.

Key Features

  • Agent compensation and incentive management
  • Licensing automation
  • Distribution network management and reporting

Target Users: Life insurance carriers with large agent and advisor networks

NanoIDP

An AI-powered OCR intelligent document processing module that reduces manual data entry during insurance application and underwriting workflows.

Key Features

  • AI-based OCR for insurance forms and documents
  • Automated data extraction to reduce manual entry
  • Integration with new business and underwriting workflows

Target Users: Insurance carriers seeking to accelerate underwriting through document automation

At a Glance

Founded
2019
Headquarters
Kowloon, Hong Kong
Employees
11-50
Funding
Bootstrapped

Category & Focus

Category
Core Administration
Subcategories
Policy Administration Distribution Management Digital Sales Platform Document Processing Product Configuration
Insurance Verticals
Life & Annuity
Target Customers
Carriers, Reinsurers

Customers

  • BNP Paribas Cardif
  • Chubb
  • FWD
  • Gen Re

Links

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Last updated: 2026-06-03