Digital Insure
Digital Insure is a France-based digital wholesale insurance broker specializing in borrower insurance and individual provident products, serving insurance intermediaries, banks, and institutional clients through its DI-Connect marketplace, FUSION API, and white-label BPO services.
- Company typePrivate
- Founded2013
- HeadquartersParis, France
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Digital Insure does
Digital Insure is a France-based digital wholesale insurance broker, founded in 2013 and headquartered in Courbevoie (16 Place de l'Iris, 92400), that specializes in borrower insurance (assurance emprunteur) and individual provident insurance (prévoyance individuelle). The company operates three primary go-to-market motions: a self-serve DI-Connect marketplace platform for insurance intermediaries and brokers; a FUSION API suite enabling banks, insurers, neo-brokers, and insurtechs to embed comparison and subscription flows inside their own interfaces with sub-minute credit-plus-insurance processing; and a white-label BPO services arm (Digital Insure Services) for insurers, mutuals, and banks undertaking digital transformation. Underlying technology is a 100% digital proprietary platform combining algorithmic comparison engines, rule-based decision algorithms, and automated medical/financial underwriting that achieves over 90% automated decisions on dossiers up to €500K and 55 years of age, with a 24-hour response SLA on delegated cases.
The company generates revenue through three streams: wholesale broker commissions on placed insurance (transaction fees, on up to 20 product offers spanning 10 borrower and 10 provident contracts), managed-services fees on white-label contract administration (e-underwriting, premium/commission calculation, claims management), and technology licensing via the FUSION API. Its partner network aggregates 15 reference insurers (including Crédit Agricole Assurances, CNP Assurances, AXA, AG2R La Mondiale, Suravenir, Malakoff Humanis) and 4 reinsurers (Swiss Re, Partner Re, Hannover Re, plus Swiss Re's digital iptiQ brand), with a dedicated DI-Risques Spéciaux structure serving non-residents, expatriates, aggravated risks, and VIPs. Marquee enterprise customers include Crédit Agricole Assurances (CACI Solution Emprunteur), Vousfinancer, Alptis, Acheel, and SOGECAP. Digital Insure has accumulated approximately 288,000 finalized contracts since 2014 and grew new-business premiums by +35% in 2025 vs 2024. It is a wholly-owned subsidiary of Odealim Group — a diversified specialist broker with 1,100+ employees, ranked 4th among French specialist brokers per L'Argus de l'assurance — alongside subsidiaries Digital Insure Distribution (wholesale brokerage) and Digital Insure Services (BPO). Leadership is Christophe Grouas (Directeur Général), with Raphaël Mandel as Deputy CEO for Digital Business & Technology and Marie-Charlotte Cirier as Deputy CEO for Development.
Digital Insure firmographics
Firmographics- Name
- Digital Insure
- Legal name
- Digital Insure SAS
- Website
- https://digital-insure.fr
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Digital Insure is a France-based digital wholesale insurance broker specializing in borrower insurance and individual provident products, serving insurance intermediaries, banks, and institutional clients through its DI-Connect marketplace, FUSION API, and white-label BPO services.
- Ownership category
- akta.pro rank
Digital Insure industry classification
Industry- Product category
- Digital Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industries
- Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA), Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where Digital Insure is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices7 records
Markets served
Digital Insure business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Wholesale Broker Distribution: Digital Insure operates as a wholesale broker distributing borrower insurance and individual provident products through a network of insurance intermediaries, brokers, banks, and web players. The company aggregates offers from multiple insurers and reinsurers, earning commissions on placed business.
- White-Label BPO Services: Digital Insure Services provides third-party management under white label for banks and insurance companies, handling digital transformation projects, technology solutions, and contract management. Services include e-underwriting, financial and medical decisions, claims management, premium and commission calculation and collection.
- API and Technology Licensing: The company licenses its API technology (FUSION API) and platform solutions to partners, enabling them to integrate Digital Insure's comparison and subscription capabilities into their own interfaces with accelerated time-to-market.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Quote-based pricing for insurance products through partner distributors |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels8 records
Digital Insure product offering
Product offeringCore offering
Digital Insure is a digital wholesale insurance broker that distributes borrower insurance (assurance emprunteur) and individual provident insurance (prévoyance individuelle) through its DI-Connect marketplace platform and FUSION API suite. The company aggregates offers from 9 reference insurers and 4 reinsurers, enabling insurance intermediaries, brokers, banks, and wealth managers to compare and subscribe to up to 20 digital insurance offers in real time. It also provides white-label BPO services and digital transformation solutions to institutional insurance partners.
Product overview
Digital Insure is a Tech-focused insurance broker specializing in borrower insurance (assurance emprunteur) and individual provident insurance (prévoyance individuelle). The company operates two main divisions: Distribution (wholesale brokerage offering exclusive insurance products) and Services (white-label BPO for insurers/banks). The core platform is DI-Connect, a marketplace providing comparison and subscription of up to 20 insurance offers via API integration. Key products include CACI Solution Emprunteur (Crédit Agricole partnership), Altitude Emprunteur (expatriate coverage with Mutlog), and DigiPrévTNS (self-employed coverage). The FUSION API enables partners to integrate insurance subscription into their own interfaces. All offerings are supported by algorithmic decision engines achieving over 90% automated underwriting decisions.
Differentiator
Problem solved
Functional benefit
Brands
- DI-Connect: A marketplace platform dedicated to insurance intermediaries for comparing and subscribing to borrower insurance and provident insurance offers.
- FUSION API
- Altitude Emprunteur
- Digital Insure Distribution
- Digital Insure Services
- Digital Insure Risques Spéciaux
Products and services
- DI-Connect Platform DI-Connect is Digital Insure's main digital marketplace platform enabling insurance intermediaries and brokers to compare and subscribe to up to 20 borrower insurance and individual provident insurance offers in real time, with dossier tracking and commission aggregation. It serves generalist brokers, specialized brokers, neo-brokers, and online intermediaries with or without comparators.
- FUSION API FUSION API is a suite of APIs that enables distribution partners (banks, insurance companies, wholesale brokers, insurtechs) to embed Digital Insure's comparison, pricing, and subscription capabilities into their own systems, allowing simultaneous credit and insurance processes in under one minute without interface changes. It is used by partner platforms integrating up to 20 borrower and provident offers.
- CACI Solution Emprunteur CACI Solution Emprunteur is an exclusive borrower insurance offering launched in partnership with Crédit Agricole Assurances, available through Digital Insure's DI-Connect platform. It features ultra-competitive rates for ages 30+, up to 6 guarantee formulas, and simplified subscription with health questionnaires up to €500K and 55 years old, designed for client acquisition by insurance intermediaries.
- Altitude Emprunteur Altitude Emprunteur is a mortgage insurance product designed for expatriates and non-residents, covering EU, Switzerland, UK expatriates and US citizens, available in euros or Swiss francs. It offers Premium guarantees including Total Permanent Disability coverage up to €10M and a 15-day deductible for health professionals.
- DigiPrévTNS DigiPrévTNS is Digital Insure's second 100% digital provident insurance offering specifically designed for self-employed/non-salaried workers (TNS - Travailleurs Non Salariés). It enables optimized coverage and subscription of provident insurance for freelancers and entrepreneurs under the Madelin law fiscal framework.
- Digital Insure Services (White-Label BPO) Digital Insure Services provides white-label insurance and reinsurance brokerage management for banks, insurance companies, and mutuals, including BPO services for e-underwriting, claims management, premium collection, commission calculation, and digital transformation support. It is targeted at insurers, mutuals, banks, and consulting firms seeking operational efficiency and digital transformation.
- Digital Insure Distribution Digital Insure Distribution provides wholesale insurance brokerage services with exclusive borrower insurance and provident insurance offers adapted to client profiles, accessible through digital comparison and subscription pathways via API. It serves generalist brokers, specialized brokers, online intermediaries, and wealth managers across France.
Quantifiable outcome
- 24-hour response time on all dossiers in delegation
- +5 more outcomes
Companies that use Digital Insure
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles3 records
Digital Insure technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature8 records
Digital Insure partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered flagship and core.
- AUREPflagshipAUREP is a national reference institution for wealth management training. Digital Insure became the only provident insurance partner in AUREP's select circle of partner companies, joining asset management leaders. The partnership provides CGP, social protection brokers, and accountants access to Digital Insure's provident solutions.
- Crédit Agricole AssurancescoreCrédit Agricole Assurances partnered with Digital Insure to launch 'CACI Solution Emprunteur,' an exclusive competitive borrower insurance product available through Digital Insure's DI-Connect platform, targeting Crédit Agricole and LCL banking networks.
- Swiss RecoreSwiss Re is a key reinsurance partner providing capacity and risk management support for Digital Insure's insurance offerings, enabling coverage of complex risk profiles.
- CNP AssurancescoreCNP Assurances is a major French insurance group providing life and provident insurance products distributed through Digital Insure's platform.
- SuravenircoreSuravenir, a subsidiary of Natixis/Groupe BPCE, provides borrower insurance products through Digital Insure's distribution platform with customized pricing arrangements.
- AXAcoreAXA provides insurance products including borrower and provident coverage through Digital Insure's platform.
- AG2R La MondialecoreAG2R La Mondiale provides provident and insurance solutions distributed through Digital Insure's platform.
- La Banque PostalecoreLa Banque Postale distributes Digital Insure's insurance products through its banking network.
- iptiQ (Swiss Re)coreiptiQ, a Swiss Re digital brand, provides digital insurance products integrated into Digital Insure's platform.
- Partner RecorePartner Re provides reinsurance capacity supporting Digital Insure's ability to cover complex risk profiles.
- Hannover RecoreHannover Re is a major reinsurer providing risk capacity for Digital Insure's insurance offerings.
- Malakoff HumaniscoreMalakoff Humanis provides provident and employee benefits solutions distributed through Digital Insure's platform.
- OradeaViecoreOradeaVie provides life and provident insurance products through Digital Insure's distribution network.
- Gan ViecoreGan Vie provides insurance products distributed via Digital Insure's platform.
- MUTLOG (Groupe Matmut)coreMutlog, a mutual insurance company affiliated with SGAM Groupe Matmut, partnered with Digital Insure to launch 'Altitude Emprunteur,' a borrower insurance product for expatriates and non-residents.
- VousfinancercoreVousfinancer, a major French mortgage brokerage network, partnered with Digital Insure for strategic long-term borrower insurance distribution.
- Alptis Prévoyance et SantécoreAlptis launched a borrower insurance marketplace in partnership with Digital Insure to offer adapted insurance products to its members.
- AcheelcoreAcheel, a digital insurance player, partnered with Digital Insure for borrower insurance offerings with strong product positioning and distribution capacity.
- SOGECAPcoreSOGECAP provides insurance products through Digital Insure's platform with strong distribution capacity.
- Swiss Life FrancecoreSwiss Life France partnered with Digital Insure, emphasizing trust, responsiveness, and significant operational risk reduction in the partnership.
- Odealim GroupflagshipDigital Insure is a subsidiary of Odealim Group, a specialist in insurance and financing solutions for real estate and construction professionals. Odealim employs over 1,100 people across three poles: mortgage and life insurance, credit, property and construction insurance, and wealth management. The group is ranked 4th among specialist brokers by L'Argus de l'assurance.
Scale indicators16 records
Recent moves6 records
Expansion highlights5 records
Digital Insure competitors and assessment
Company assessmentDirect peers
- Acheel: French digital insurance broker offering multi-carrier comparison and subscription of home, auto, and borrower insurance. Competes with Digital Insure directly in the French neo-broker segment and is referenced as a Digital Insure customer/partner.
- Leocare: French mobile-first neo-insurance broker offering multi-line insurance with embedded comparison. Competes head-to-head with Digital Insure for French consumers and intermediaries seeking digital distribution.
Emerging players
- Lovys: French insurtech offering a single subscription covering home, car, and borrower insurance. Targets the same digital-first French consumer and intermediary channel as Digital Insure with a slightly different product bundling approach.
- Akur8: French insurtech offering AI-powered insurance pricing and underwriting solutions. Comparable as a fellow French insurtech with algorithm-driven decisioning, though focused on the carrier-side pricing layer rather than distribution.
- Bought By Many (Many Pets): UK-origin digital insurance intermediary that expanded into multi-line specialty insurance. Comparable as a digital-native broker that built proprietary technology to aggregate multiple carriers' offerings into a streamlined customer experience.
Broad incumbents
- Alan: French health and well-being insurtech that has expanded into adjacent insurance products. While primarily health-focused, Alan represents a French insurtech incumbent with embedded distribution capabilities relevant to Digital Insure's evolution.
- WeFox: European insurtech providing a digital insurance platform connecting insurers, brokers, and customers. Operates at similar scale across multiple European markets and represents a comparable pan-European digital broker model.
- Acrisure: Global tech-enabled insurance brokerage consolidator. While much larger and US-anchored, Acrisure represents the broader tech-enabled brokerage model and is a relevant comparable for scale and platform strategy.
- Howden: Global insurance broker with strong European presence and an explicit digital-first strategy. Competes with Digital Insure at the institutional/brokerage tier and serves as a benchmark for digital transformation in insurance distribution.
- PIB Group: UK-headquartered specialist insurance broker with growing European presence. Comparable as a specialist brokerage aggregator that has scaled through acquisitions of regional brokers, similar to Odealim's specialist positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Digital Insure social profiles
Digital presenceDigital Insure financial estimates
Financial estimateRevenue estimate
Valuation estimate
Digital Insure leadership team
Management profileNumber of profiles
Profiles4 records
Digital Insure subsidiaries and ownership
Company hierarchySubsidiaries2 records
Digital Insure funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Digital Insure M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Digital Insure
What does Digital Insure do?
Digital Insure is a digital wholesale insurance broker that distributes borrower insurance (assurance emprunteur) and individual provident insurance (prévoyance individuelle) through its DI-Connect marketplace platform and FUSION API suite. The company aggregates offers from 9 reference insurers and 4 reinsurers, enabling insurance intermediaries, brokers, banks, and wealth managers to compare and subscribe to up to 20 digital insurance offers in real time. It also provides white-label BPO services and digital transformation solutions to institutional insurance partners.
Is Digital Insure a public or private company?
Digital Insure is a private company. It is classified as corporate owned and is currently operating.
When was Digital Insure founded?
Digital Insure was founded in 2013. It employs 101 to 250 people.
Where is Digital Insure based?
Digital Insure is headquartered in Paris, France, in the Europe region.
How does Digital Insure make money?
Three revenue lines are on record. Wholesale Broker Distribution is the primary driver. The others are white-Label BPO Services and API and Technology Licensing.
Who are Digital Insure's main competitors?
Direct peers on record are Acheel and Leocare. Emerging players are Lovys, Akur8 and Bought By Many (Many Pets). Broad incumbents are Alan, WeFox, Acrisure, Howden and PIB Group.
Does Digital Insure have an API?
Yes. Digital Insure offers FUSION API, a suite of APIs enabling distribution partners (banks, insurance companies, wholesale brokers, insurtechs) to work within their own interfaces without investment and with accelerated time-to-market. The APIs allow brokers and bankers to finalize a credit request and simultaneously obtain the most suitable borrower insurance in less than one minute, without re-entry or interface changes. FUSION API enables seamless digital customer journeys with subscription in under one minute (offers, pricing, client space creation). Partners can also integrate dossier progress tracking directly into their interface. The API is available for integrating up to 20 borrower and provident insurance offers via web services.
What industry is Digital Insure in?
Digital Insure's product category is Digital Insurance Brokerage. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAGAGAA, Digital Distribution & Comparison Platforms (Aggregators/Marketplaces). Its NAICS code is 5242 and its SIC code is 6411.