Quarzo Life

Quarzo Life is an API-first life insurance carrier based in Paris, France, offering life insurance, retirement savings plans, capitalization contracts, and equity savings plans for distribution through financial intermediaries. The company operates under an insurance authorization application pending review by the ACPR (Autorite de controle prudentiel et de resolution), the French prudential supervisory authority. Its business model centers on providing modern insurance infrastructure that financial distributors can embed into their own systems or deploy via pre-built journeys.

The platform is designed around native REST API integration with comprehensive developer documentation, sandbox and production API environments, and real-time status monitoring. Quarzo Life targets wealth advisors, insurance intermediaries, and financial distributors that require transparent, low-friction product infrastructure without building proprietary policy administration capabilities. The company publishes API uptime metrics publicly, with production uptime above 99% as of mid-2026.

Financial metrics are not publicly available; the company appears to be privately capitalized with no disclosed venture funding. The authorization application status with the ACPR indicates the company is in a regulated pre-launch or early operating phase.