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Next Generation Insurance Platform

A B2B data-enabled, white-label SaaS plug-and-play technology platform

Democratizing insurance since 2015 with global trusted partners

Democrance helps insurers and insurance brokers to increase digital sales and access new markets. With our SaaS platform, our partners are able to enhance their digital sales mechanisms by automating workflows, and increase their operational efficiency and profitability in the insurance market.

  • Democratizing insurance in over 16 countries across the Middle East, Africa, Asia-Pacific, Latin America and beyond.

Trusted by

Tokio Marine

A digital plug-and-play Software-as-a-Service platform that does not impact your legacy system

Supporting more than 50 Life, P&C and Health products and 15+ million policies to date

The Democrance platform can support any insurance product and distribution channel in the world, thanks to its customized build housed on the cloud by our in-house developers.

API Economy Ready

Easily embed your products into third parties’ ecosystems: Super Apps, Aggregators, Mobile Wallets, Telcos, HR Platforms, Retailers, MTOs, Governments, you name it…

Data Driven

Leverage out-of-the-box integrations with external sources of data, local authorities and other third-party services to optimize underwriting and gain new insights into your portfolio.

Product & Journey Builder

Provide a seamless experience for any Life, Health or P&C product across all channels and customer segments, from emerging customers to SMEs.

Underwriting & Rating Engine

Increase straight-through processing sales while reducing referrals by fully automating complex underwriting rules and rating models across all lines of business.

“With Democrance we managed to achieve two goals: first, increasing our efficiency with operations with large schemes and second, managing to offer digital solutions to our customers.”

- Hadil AbdelKader - Head of Distribution, AXA Egypt

Leading Insurance SaaS for Emerging Markets

Cutting-edge SaaS Technology
Self-service Platform with Out-of-the-box Capabilities
3 to 4 Weeks Live to Market with Pre-underwritten Product
Geography Agnostic

Unlocks the insurance potential in the emerging world

Enabling Insurers to be Customer-centric

By allowing digital consumers to buy and use insurance products whenever and wherever they need it

Digital Insurance In a Box

Supporting insurers to launch new products and channels without having to rely on legacy systems

Efficient and Scalable SaaS Solution

With the ability to go-live in 2 to 4 weeks and at 1/8th of the cost of traditional insurance software solutions

Enlarging the Insurance Opportunity across Emerging Markets

With reduced costs to allow low-income customers to become profitable for all stakeholders

What customers say about us

"We, at Tokio Marine, believe in technology and the insurance market is changing rapidly through the acceleration of the digital transformation. By partnering with Democrance, this will enable us to evaluate our business model and reach even more customers than ever before."

Tokio Marine - Tsuyoshi Yamasaki, General Manager at Tokio Marine, United Arab Emirates

"Our partnership with Democrance enables us to provide inclusive insurance to those who need it the most across Cambodia, digitally. We are committed to stand by the side of our customers and their loved ones, for life, and make concerted efforts to deliver “peace-of-mind” under our philosophy of Customer First"

- Mah Kin Yoong, Chief Commercial Officer of Dai-ichi Life Cambodia

"Our partnership with Democrance enables us to respond to the needs of Filipinos who want access to easy and affordable insurance protection options, with the comfort of digitally-driven customer experiences where they can transact seamlessly."

- Rahul Hora, President and Chief Executive Officer of Manulife Philippines

Providing fast, secure solutions

We provide simple and quick integration with legacy back end-systems, resulting in increased sales capability from day one.