We enable platforms to embed real-time protection into transactions through a unified API.
Built with licensed insurer partners. Fully compliant with SECP frameworks.
We don't sell insurance. We enable it.
We build the layer between digital platforms and licensed insurers — handling underwriting, compliance, and issuance automatically.
Platforms integrate once via our API. Insurance Lo handles real-time risk pricing, multi-insurer routing, premium collection, and digital issuance — fully SECP-aligned, zero manual steps.
From transaction to issued policy — fully automated through our embedded protection infrastructure.
Not a broker. Not an aggregator. A neutral embedded protection infrastructure — trusted by platforms and insurers alike.
We own no products and carry no loyalty to any insurer. We route each transaction to the best-fit underwriter — impartially. Both platforms and insurers benefit from our neutrality.
Regulatory logic is built into the infrastructure layer — not bolted on. SECP-aligned workflows, risk validation, and compliance structuring are core to how the system operates.
Platforms can't efficiently integrate multiple insurers independently. Insurers can't scale across multiple platforms alone. Insurance Lo solves this fragmentation at the infrastructure level.
Designed for high-frequency, low-premium, fully automated transaction flows. One integration unlocks an entire transaction stream — revenue scales with platform volume, not headcount.
If a platform processes transactions, it can embed protection — regardless of industry.
Offer transaction protection, device insurance, or payment cover at the point of transfer — embedded within the existing wallet flow.
Add purchase protection, return cover, or product insurance at checkout — with a single opt-in and no friction to the payment flow.
Embed credit life, income protection, or health micro-cover into lending and savings products — delivered via API with full compliance.
Protect gig workers, riders, and drivers with trip-by-trip or shift-by-shift micro-cover — issued per transaction, not as a standing policy.
Built for regulated financial environments. Compliance, security, and scale are first-class requirements — not options.
Tell us about your platform and transaction flow — we'll scope what an integration looks like for you.
For platforms, wallets, and digital ecosystems
We'll respond within 48 hours.