What Koios Intelligence does

Koios Intelligence is a Montreal-based software company founded in 2017 that builds the Olivo platform, a multi-agent AI system purpose-built for the insurance industry. The platform conversationally manages the full insurance policy lifecycle from underwriting to renewal across more than 24 personal and commercial P&C, life, health, and financial-services products, using domain-specialized large language models trained on private insurance datasets. Its product surface includes OlivoAgent (virtual assistant across web, chat, and SMS), OlivoLive (risk assessment with livechat), OlivoEngage (insurance CRM), OlivoPhone (voice AI for inbound calls), OlivoAnalytics (dashboards and SQL analytics), AI Auditor (call-vs-document compliance QA), and KoiosAuth (enterprise SSO/IAM).

The company monetizes through quote-based annual SaaS subscriptions sold direct to enterprise and mid-market insurance brokerages and carriers, with implementation and onboarding services bundled in. Distribution combines a direct enterprise sales motion ("Book Demo" funnel), a strategic channel partnership with Applied Systems for EPIC broker-management-system integration, and a recent go-to-market partnership with the Insurance Brokers Association of Canada (IBAC) for tenant insurance. Named customers include Univesta, J. Gérard Fortin & Associés, Assurancia Groupe Tardif, PMA Assurances, Humania Assurance, Ellipse Insurance, and Rogers Insurance, with active expansion from a Quebec/Canadian base into the broader North American market supported by an engineering office in Tunis, Tunisia.

Koios has raised $6.5M CAD in a May 2023 seed round led by Propulia Capital alongside EDC, DEC, and Caisse Desjardins des Technologies, and is led by founder and CEO Mohamed Hanini with Charles Dugas (ex-EY, Element AI, Aviva Canada) joining as Executive Vice President in January 2024. The platform is integrated with Applied EPIC, Guidewire, CSIO, Salesforce, Twilio, and Google Cloud, and is compliant with SOC 2 Type 2, ISO 27001, GDPR, HIPAA, PIPEDA, CCPA, AMF, and OSFI frameworks, positioning it for regulated enterprise procurement.

Name

Koios Intelligence

Legal name

Koïos Intelligence

Website

https://koiosintelligence.ca

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Koios Intelligence is a Montreal-based AI software company whose Olivo platform uses domain-specialized LLMs and multi-agent AI to automate quoting, underwriting, customer service, and compliance across 24+ personal, commercial, life, and health insurance products for brokerages and carriers in North America.

Ownership category

akta.pro rank

Product category

Insurance AI Software

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (5415)

SIC

Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH), Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)

Keywords

• Insurance AI platform
• Insurance virtual assistant
• Insurance workflow automation
• Conversational AI insurance
• Insurance broker software

Headquarters

HQ city

Montreal

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Platform Subscription: B2B SaaS platform licensing model where insurance brokerages and insurers subscribe to access the Olivo platform and its various AI agents. Pricing is quote-based and customized to organization size and needs.
2. Implementation and Setup Services: Fully-supported setup included with platform deployment, including detailed user manual, tutorial videos, and assigned support member to improve workforce adoption.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Koios Intelligence sells the Olivo platform, a multi-agent AI-powered virtual assistant SaaS that automates the full insurance policy lifecycle (quoting, underwriting, policy changes, claims, renewals) for insurance brokerages, carriers, and financial services firms. The modular platform comprises OlivoAgent (virtual assistant), OlivoLive (risk assessment with livechat), OlivoEngage (AI CRM), OlivoPhone (voice AI), AI Auditor (compliance QA), and OlivoAnalytics (dashboards), and integrates with Applied EPIC, Guidewire, Salesforce, and CSIO standards.

Product overview

Koios Intelligence offers Olivo, a modular multi-agent AI platform for the insurance industry. The core platform manages the full insurance policy lifecycle from underwriting to renewal across 24+ insurance products. The product suite consists of four main modules: OlivoAgent (insurance virtual assistant for web/chat interactions), OlivoLive (risk assessment with livechat), OlivoEngage (AI-powered CRM), and OlivoPhone (voice AI for telephone service). OlivoAnalytics provides an analytics add-on module, while AI Auditor serves as a compliance QA tool. All modules share the unified Olivo platform and integrate with major insurance management systems (Applied Epic, Guidewire), CRMs (Salesforce, Zoho, Odoo), and industry data standards (CSIO).

Differentiator

Problem solved

Functional benefit

Brands

• Olivo: Multi-agent AI platform that conversationally manages the full insurance policy lifecycle from underwriting to renewal and policy changes across more than 24 personal and commercial insurance products.
• OlivoAgent
• OlivoLive
• OlivoEngage
• OlivoPhone
• KoiosAuth
• AI Auditor

Products and services

• Olivo Multi-agent AI platform that conversationally manages the full insurance policy lifecycle from underwriting to renewal and policy changes across more than 24 personal and commercial insurance products; serves as the unified platform connecting all Olivo sub-products for insurance brokerages, carriers, and financial services firms.
• OlivoAgent AI-powered virtual assistant for insurance that conversationally manages client intake, qualification, quotation requests, and policy support across web, chat, SMS, WhatsApp, and Messenger channels; each agent is tailored to a specific insurance line ensuring compliance and accuracy.
• OlivoLive Risk assessment platform with livechat functionality for real-time customer interactions, supporting risk evaluation workflows for financial services and insurance underwriting decisions.
• OlivoEngage AI-powered CRM solution for insurance brokerages that manages customer relationships, lead tracking, and sales pipeline, with email integrations such as Outlook for automated campaigns and contact management.
• OlivoPhone Voice AI agent for insurance telephone service that converts inbound calls into actionable data through entity extraction; creates instant quotes by extracting specific information and storing it in management systems using an AI-generated voice that converses with customers via phone channels.
• AI Auditor Quality assurance system that compares call transcripts against submitted client documents to catch inconsistencies, flag potential errors, and ensure regulatory compliance at scale; can batch-audit hundreds of calls in minutes to remove manual burden.
• KoiosAuth Enterprise identity platform with SAML 2.0 and OIDC support, SCIM user/group synchronization, granular RBAC and ABAC roles, just-in-time access, and adaptive authentication for enterprise deployments.

Quantifiable outcome

• 30% reduction in administrative costs for brokers and agents
• +6 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability12 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core and key.

• IBAC (Insurance Brokers Association of Canada)coreGTM or Marketing Partner · 1 March 2026Partnership making Koïos' demo tenant agent available on IBAC Tech platform, allowing Canadian insurance brokers to demo AI-powered tenant insurance quoting.
• Applied SystemscoreTechnology or Integration · 1 April 2022Strategic integration partnership with Applied Systems for EPIC and Applied Rating Services. The Olivo platform is integrated with EPIC via SDK to enable real-time pricing, lead creation, customer authentication, and policy modifications. Enables brokers to offer voice-activated virtual assistant capabilities.
• CSIO (Centre for Study of Insurance Operations)coreTechnology or Integration · 1 January 2022Integration with CSIO standards enables data exchange and integration according to industry standards for insurance operations.
• GuidewirekeyTechnology or IntegrationIntegration enables pricing, claims management, lead creation, and AMS/BMS updates through Guidewire platform.
• SalesforcekeyTechnology or IntegrationCRM integration enabling contact import/export and lead synchronization with Salesforce.
• EYkeyImplementation/ SI/ Consulting PartnerIntegration facilitating compliance analysis and reporting for data-driven decision making.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/koios-intelligence
• Xx.com/KoiosIA
• Facebookfacebook.com/koiosintelligence

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Koios Intelligence