Pangentic

AI-powered digital insurance broker platform for consumers in Asia-Pacific

Distribution & Sales Startup Seed

Overview

Pangentic is an AI-driven digital insurance distribution platform serving insurance consumers in Singapore. A wholly-owned subsidiary of Pand.ai, the company was spun off in September 2025 to accelerate the international expansion of GINA, its AI-powered insurance broker platform. Pangentic operates as a licensed general insurance digital broker under the Monetary Authority of Singapore (MAS) Fintech Sandbox program.

The company distributes insurance products end-to-end through WhatsApp, enabling consumers to compare quotes from multiple insurers and complete purchases without visiting external portals. GINA supports bilingual interaction in English and Chinese, integrates with major Singapore insurers including MSIG, Allianz, Etiqa, Great Eastern, Liberty Mutual, and FWD Group, and applies AI to deliver personalized coverage recommendations. The platform holds ISO 27001 certification and has undergone VAPT security testing.

Pangentic builds on performance established by GINA.sg, which recorded a quote-to-purchase conversion rate above 50% in the Singapore market, with roughly one-third of new users arriving through referrals. The company received seed backing from Zheng Yudong, former CEO of MariBank, at the time of its spinoff. Current product coverage includes motor and travel insurance.

Products & Services

GINA (AI-Powered Insurance Broker Platform)

GINA is Pangentic's flagship AI broker platform, originally launched as GINA.sg -- Singapore's first bilingual digital insurance broker. The platform allows consumers to compare quotes and purchase insurance entirely through WhatsApp, without redirecting to external websites. A conversational AI interface guides users through the process, providing multi-insurer quote comparisons and personalized recommendations based on user profiles.

Key Features

End-to-end insurance purchase flow within WhatsApp
Real-time multi-insurer quote comparison (MSIG, Allianz, Etiqa, Great Eastern, Liberty Mutual, FWD)
Bilingual support in English and Chinese
AI-driven personalized coverage recommendations
Built-in referral system for organic user acquisition
Cash-back incentives up to USD 200 per policy (Singapore market)

Target Users: Insurance consumers in Singapore purchasing motor and travel coverage

Digital Insurance Distribution Platform

The broader infrastructure layer underlying GINA positions Pangentic as a technology-enabled distribution channel for insurance carriers seeking to reach consumers through AI-driven digital channels. This platform connects insurer product offerings with end consumers via conversational AI.

Key Features

API-based insurer integrations for real-time quote aggregation
WhatsApp Business API as primary distribution channel
MAS-regulated digital broker framework

Target Users: Insurance carriers and distribution partners in APAC

At a Glance

Founded: 2025
Headquarters: Singapore
Employees: 1-10
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Digital Insurance Distribution AI Broker Platform Embedded Insurance
Insurance Verticals: P&C Personal
Target Customers: Consumers