Munich Re Ventures

Azos is an insurtech company based in Sao Paulo, Brazil, that specializes in providing innovative life insurance products tailored to the Brazilian market. Founded by Rafael Cló, Bernardo Ribeiro, and Renato Farias, Azos has developed an online insurance platform designed to offer personalized services to its customers. The platform features comprehensive coverage options, including protection against coronavirus and various types of natural and accidental deaths, with flexible terms such as a one-month grace period and no late fees. By focusing on transparency and affordability, Azos aims to help customers effectively plan for their financial futures.

Amplify Life Insurance operates a digital platform that provides a range of life insurance products, including term, permanent, and cash-value policies. The company focuses on helping individuals build wealth through permanent life insurance, which allows for tax-efficient savings and investment. Customers can access their savings for various purposes, such as retirement, college funding, or down payments, while still ensuring financial protection for their families. Amplify differentiates itself by offering an intelligent and streamlined customer journey, featuring frictionless policy customization, pre-underwriting, and efficient in-force policy management. This approach aims to modernize the traditional life insurance industry, providing clients with a more accessible and user-friendly experience.

Dayforward is a provider of a life insurance platform focused on delivering financial security to families in America. The company offers personalized life insurance policies designed to protect clients' income until their children reach adulthood. This approach enables policyholders to maintain their current lifestyle while ensuring that their beneficiaries receive continued income in the event of their passing. By facilitating the purchase of insurance online, Dayforward aims to simplify the process of securing the right coverage for families.

Amplify Life Insurance operates a digital platform that provides a range of life insurance products, including term, permanent, and cash-value policies. The company focuses on helping individuals build wealth through permanent life insurance, which allows for tax-efficient savings and investment. Customers can access their savings for various purposes, such as retirement, college funding, or down payments, while still ensuring financial protection for their families. Amplify differentiates itself by offering an intelligent and streamlined customer journey, featuring frictionless policy customization, pre-underwriting, and efficient in-force policy management. This approach aims to modernize the traditional life insurance industry, providing clients with a more accessible and user-friendly experience.

Azos is an insurtech company based in Sao Paulo, Brazil, that specializes in providing innovative life insurance products tailored to the Brazilian market. Founded by Rafael Cló, Bernardo Ribeiro, and Renato Farias, Azos has developed an online insurance platform designed to offer personalized services to its customers. The platform features comprehensive coverage options, including protection against coronavirus and various types of natural and accidental deaths, with flexible terms such as a one-month grace period and no late fees. By focusing on transparency and affordability, Azos aims to help customers effectively plan for their financial futures.

Clareto is a health information exchange company based in Richmond, Virginia, established in 2000. The company focuses on connecting the life insurance industry with patient-authorized health information, addressing the information gap between healthcare and life insurance. Clareto's technology facilitates the electronic exchange of health data by engaging health information exchanges, healthcare providers, and various data sources. This capability supports essential processes such as underwriting and claims for the life insurance sector, enhancing operational efficiency and informed decision-making.

Dayforward is a provider of a life insurance platform focused on delivering financial security to families in America. The company offers personalized life insurance policies designed to protect clients' income until their children reach adulthood. This approach enables policyholders to maintain their current lifestyle while ensuring that their beneficiaries receive continued income in the event of their passing. By facilitating the purchase of insurance online, Dayforward aims to simplify the process of securing the right coverage for families.

Founded in 1987, Allfinanz is the market leader in providing new business processing and underwriting automation software to the life insurance industry. By electronically capturing application details and automating the underwriting process, Allfinanz solutions deliver Straight Through Processing (STP) for life insurers, and in so doing slash costs and drive greater profitability. Allfinanz has enabled STP and "instant issue" at insurers and banks worldwide, who are now able to approve up to 80% of new applications at the point of sale for a variety of life insurance products across a range of distribution channels (including intermediary, call-centre, bancassurance, agent and direct channels). This has been accompanied by a significant reduction in new business acquisition costs – by up to 85% in some cases. Allfinanz is headquartered in Dublin, Ireland, and has a regional office in Sydney, Australia, as well as support offices in the UK, the US, Hong Kong and South Africa.