Seamless Insure

What Seamless Insure does

Seamless Insure provides a modular, cloud-native insurance software-as-a-service platform that digitizes and automates the full insurance lifecycle - from product configuration and sales distribution through policy administration, claims management, and billing and accounting. The platform is built on a microservices, API-first architecture delivered through Amazon Web Services, with a no-code Product Builder enabling business users to configure products, pricing, forms, and workflows without IT involvement. Core modules cover Product Management, Sales & Distribution, Customer Engagement, Policy Administration, Claims Management, and Billing & Accounting, complemented by features such as FNOL management, automated renewals, configurable claim reserves, and a dedicated broker/MGA distribution module called Seamless Nexus.

The company serves insurance carriers, managing general agents (MGAs), brokers, and insurtechs across more than 50 clients in 11 countries, with a particular concentration in the Nordic region (Norway, Sweden, Finland, Denmark). Notable customers include Mysafety AB, Gabler, Varsam Försäkring, Balder Forsikring, WaterCircles, Vardia (Oslo-listed), Allina Försäkringar, HOGS House of Guarantees, Aspida Forsikring, Singlife, and Liberty Specialty Markets (capacity provider). Seamless Insure monetizes through quote-based SaaS subscriptions on multi-year contracts, delivered with multi-tenant architecture, multi-language and multi-currency support, and a partner ecosystem that includes AWS, Microsoft, Billogram, Criipto, 21grams, Simplifai, Fortnox, and Visma Net.

The company originated in 2005 in the UK and Norway under the Seamless group (previously trading as Contemi) and is now headquartered in Singapore, with operational hubs in Oslo, London, and a development center in Hanoi. Reported quantitative outcomes include an 80% reduction in manual tasks for Balder Forsikring, sub-0.1% post-migration errors across 30,000 P&C policies, a less-than-1.5-week average product launch timeline, a 99% reduction in turnaround time at HOGS, and 75% business growth for Varsamma AB within 12 months. The platform is SOC 2 Type 2 certified (achieved April 2025), with GDPR, ISO 27001, DORA, and IDD compliance posture.

Name

Seamless Insure

Legal name

Seamless Insure

Website

https://seamless.insure

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Seamless Insure is a cloud-native, modular insurance SaaS platform that digitizes the full quote-to-claims lifecycle for carriers, MGAs, brokers, and insurtechs, with primary strength across the Nordics and 50+ clients in 11 countries.

Ownership category

akta.pro rank

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Software-as-a-Service subscription model delivered through cloud-native platform. SaaS-based pricing enabled TT Forsikring to reduce capital expenditure by 2/3rds of industry standards. Supports multiple tenants on single platform with scalable infrastructure.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Seamless Insure sells a cloud-native, modular insurance SaaS platform that enables end-to-end digitalization of insurance operations from quote to claims, including product management, sales and distribution, customer engagement, policy administration, claims management, and billing and accounting. The platform provides a no-code Product Builder so business users can configure insurance products, rules, pricing, and workflows without IT dependency, and offers a separate Seamless Nexus solution for brokers and MGAs. It targets insurance carriers, MGAs, brokers, and insurtechs, delivered as multi-tenant SaaS on AWS with API-first integration to partners such as Billogram, Criipto, Fortnox, Visma Net, and Microsoft Dynamics 365.

Product overview

Seamless Insure is a modular cloud-based insurance software platform delivered as SaaS, providing end-to-end digitalization of insurance operations from quote to claims. The platform consists of a core platform with six integrated modules: Product Management, Sales & Distribution, Customer Engagement, Policy Administration, Claims Management, and Billing & Accounting. Additional features include Product Builder (no-code configuration), FNOL Management, Accounting Integrations, Renewals automation, and Claim Reserves. The architecture is API-first and microservices-based, enabling flexible integrations and ecosystem connectivity. The company also offers specialized solutions for different customer segments including Insurance Carriers, Brokers & MGAs, Specialists/Captive & Guarantee, and Insurtechs & Apps.

Differentiator

Problem solved

Functional benefit

Brands

• Seamless Nexus: Easy-to-use tools designed for MGAs and brokers to achieve their potential with a one-stop solution for evolving insurance distribution needs.

Products and services

• Seamless Insure Platform A modular, cloud-based insurance SaaS platform that digitalizes and automates front-to-back insurance processes, built on open API architecture and microservices with no-code configuration. It is sold to insurance carriers, MGAs, brokers, and insurtechs to manage product setup, sales and distribution, customer engagement, policy administration, claims, and billing and accounting.
• Seamless Nexus A separate offering built for MGAs and brokers as a one-stop solution for insurance distribution needs, providing tools to build, distribute, and manage insurance products with no-code configuration. Functions as the growth engine for partner-led and modern insurance distribution on the Seamless platform.

Quantifiable outcome

• 80% reduction in manual tasks with end-to-end solution
• +7 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• BillogramcoreTechnology or Integration · 11 December 2025Strategic partnership delivering integrated billing solutions for Nordic insurers. Combines Seamless Insure's modular insurance platform with Billogram's Invoice-to-Cash capabilities. Enables automated payment flows, real-time insights, and enhanced policyholder billing experience. First customer Mysafety went live in November 2025.
• Atlas GaranticoreStrategic or Co-development Partner · 25 September 2025Strategic partnership for Nordic expansion, extending Seamless Insure's presence into Sweden and Denmark. Atlas Garanti will leverage Seamless's modular platform to streamline back office, underwriting, and decision-making. Major milestone for Seamless's Nordic expansion strategy.
• SimplifaiminorStrategic or Co-development Partner · 16 January 2024AI automation partnership bringing intelligent automation to TT Forsikring. Simplifai's AI Automation platform manages policy cancellations and customer inquiries. Combines with Seamless Insure's cloud-native core platform to deliver strategic advantage in insurance operations.
• CriiptocoreTechnology or IntegrationIntegration partnership providing secure digital identity and authentication services. Offers BankID, MitID, FTN, and other European eID integrations for KYC/AML compliance. Enables automated compliance workflows, real-time reporting, and eIDAS-compliant signatures directly within the Seamless platform.
• Amazon Web Services (AWS)coreTechnology or IntegrationPrimary cloud infrastructure partner providing the foundation for Seamless's SaaS delivery. AWS enables instant scalability, operational cost efficiency, and enterprise-grade reliability for the insurance platform.
• MicrosoftcoreTechnology or IntegrationTechnology ecosystem partner. Platform built on .NET services with Microsoft integration. Microsoft Dynamics 365 integration mentioned for customer deployments.
• Liberty Specialty MarketscoreOthersRisk carrier partner for HOGS operations. World-leading warranty products provider with A Strong rating by S&P, Moody's, and AMBest. HOGS issues guarantees on behalf of Liberty Specialty Markets.
• EIR FÖRSÄKRING ABcoreOthersSwedish insurance provider partner for TT Forsikring. TT Forsikring partnered with EIR to provide insurance coverage to Norwegian customers through the Seamless platform.
• EIR (Digital Insurer)minorOthersDigital insurer providing risk services and capacity for Balder Forsikring. Via Seamless, Balder and EIR collaborate on product setup, tariff creation, and risk management.
• SinglifeminorStrategic or Co-development PartnerStrategic partnership with Singapore-based technology-focused insurance company (formerly Singapore Life). Seamless Insure developed Singlife's direct and advised portals, participating in entire product lifecycle from architecture through rollout.

Scale indicators13 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Guidewire Software: Guidewire is the dominant core insurance platform suite (Policy, Claims, Billing) for P&C carriers globally. Both companies compete for the same core-system modernisation RFPs with insurance carriers, brokers, and MGAs, although Guidewire operates at much greater scale and with a more established US/global footprint.
• Duck Creek Technologies: Duck Creek provides a cloud-native SaaS suite for P&C insurers covering policy, claims, billing, and distribution. Directly comparable to Seamless Insure's modular cloud platform offering, with overlapping mid-market carrier and MGA customer segments.
• Sapiens International: Sapiens offers core insurance software (Policy Administration, Claims, Billing) for P&C, life, and reinsurance markets worldwide. Competes with Seamless Insure on cloud-based PAS for the same carrier and MGA buyer base, particularly in Europe.
• Insurity: Insurity provides a cloud-based insurance core suite focused on P&C carriers, MGAs, and self-insured markets. Both companies target similar end-to-end policy, claims, and billing workflows, with overlapping MGA-focused GTM motions.
• EIS Group: EIS Group offers a cloud-native, API-first core platform for life, health, and P&C insurers with strong configurability. Comparable to Seamless Insure's modular API-first SaaS architecture and no-code configuration thesis, serving similar global carrier customers.
• Majesco: Majesco delivers cloud-based core insurance software (Policy, Claims, Billing, Distribution) for P&C and life/health insurers. Directly comparable as a SaaS PAS/Claims vendor targeting mid-market carriers and MGAs in need of core modernisation.
• Applied Systems: Applied Systems is a leading insurance distribution and agency management platform for brokers and MGAs. Comparable to Seamless Insure's Seamless Nexus broker/MGA distribution solution and overlapping broker/agency customer base.

Broad incumbents

• Salesforce Financial Services Cloud: Salesforce provides an industry-vertical cloud that includes insurance CRM, agent enablement, and customer engagement modules. Competes with Seamless Insure on customer engagement/agent enablement as part of a broader, non-insurance-native portfolio.
• Oracle Insurance (ODI / Oracle Insurance Policy Administration): Oracle offers insurance-specific policy administration, claims, and billing modules as part of its larger enterprise software portfolio. A broader incumbent that overlaps with Seamless Insure on core PAS but operates with much larger enterprise scale.
• DXC Technology Insurance Software: DXC provides insurance software and BPS services including policy administration and claims modernisation across P&C and life. Comparable as a broader incumbent offering overlapping capabilities, especially in European markets where Seamless Insure also operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/seamless-insure
• Xx.com/InsureSeamless

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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 Seamless Insure