Imagine… deploying new products in days or weeks, not months; increasing your partners’ production capacity and customer satisfaction by 9x with the help of integrated AI Sales Co-Workers; or fully automating medical referrals while reducing underwriting leakage thanks to an AI Underwriter who autonomously analyzes medical reports, identifies medical conditions, re-quotes and binds 12x faster than humans alone.
Our customers are adding digital processes and products. With Democrance, they offer micro, retail and commercial products across all lines of business, P&C, life and health. They reach their customers when and where they want to buy insurance.
Launch digital insurance in just 2-6 weeks with minimal disruption to existing systems. Democrance's omnichannel platform enables you to reach new segments, empower intermediaries, and explore avenues like embedded and micro-insurance. Streamline policy administration and cut distribution costs from 20-30% to 5% of GWP.
Easily embed your products into third parties’ ecosystems: Super Apps, Aggregators, Mobile Wallets, Telcos, HR Platforms, Retailers, MTOs, Governments, you name it…
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.
Provide a seamless experience for any Life, Health or P&C product across all channels and customer segments, from emerging customers to SMEs.
Increase straight-through processing sales while reducing referrals by fully automating complex underwriting rules and rating models across all lines of business.
By allowing digital consumers to buy and use insurance products whenever and wherever they need it
Accelerate time-to-market and introduce new products in weeks with Democrance's scalable, plug-and-play SaaS platform. Streamline administration for insurers and partners, enhancing efficiency across the board.
With the ability to go-live in 2 to 6 weeks and at 1/8th of the cost of traditional insurance software solutions
Break barriers and bridge the gap between traditional and digital insurance with Democrance. Our platform empowers you to reach previously underserved segments through innovative channels and products. Leverage a decade of industry expertise as we guide you to unlock overlooked opportunities and achieve significant expansion.
"AXA has partnered with Democrance to operationalize partnerships across multiple AXA entities, including Mexico, Egypt, Belgium, Thailand, Philippines and Senegal. The Democrance SaaS platform supports AXA’s emerging customers and partnership needs by providing both digital and offline capabilities, designed to easily reach AXA’s low-income consumers utilizing traditional and non-traditional distribution channels. "
- Nadia Boughaba, Head of Product, Operations and Technology, AXA Emerging Customers "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 "Our partnership with Democrance has been pivotal in our journey to adapt to the evolving insurance landscape, including gamification to engage potential clients in a fun and interactive way. The launch of our new channel, "Bubble," featuring "Bubble Savings" and "Bubble Last-Expense," is a testament to the success of this collaboration."
- Bernard Ewusie, General Manager, Enterprise Life Ghana 
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Michele Grosso, Co-Founder and CEO, Democrance The insurance brokerage industry is undergoing a significant transformation. The new mantra? "Stop selling...
