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Avibra

Benefits, perks, and rewards for the hourly and gig workforce -- embedded insurance and wellness delivered through partner platforms.

Distribution & Sales Growth Series A
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Overview

Avibra is an embedded benefits platform that delivers no-cost insurance coverage and wellness tools to the hourly and gig workforce -- a population historically excluded from traditional employer benefit programs. The company embeds its benefits suite directly into employer platforms, gig economy apps, HR software, and fintech applications through API integrations, enabling workers to access life insurance, accidental death and dismemberment (AD&D) coverage, and supplemental wellness benefits without changing how or where they work.

Avibra's core model incentivizes healthy behaviors: members earn base coverage simply by signing up, and can accumulate additional coverage by completing in-app wellness activities and positive financial actions. Optional a-la-carte benefits are available through the Dollar Benefits Store at USD 1 per benefit per week, keeping costs accessible to low-income workers.

The company serves the B2B2C market, distributing through employer and platform partners rather than direct-to-consumer channels. Partners include gig economy platforms, HR software providers, and fintech applications serving hourly workers and independent contractors.

Products & Services

No-Cost Base Coverage

All members automatically receive USD 10,000 in AD&D insurance and USD 5,000 in life insurance at no cost upon signup -- no medical underwriting required, available to workers aged 18-62.

Key Features

  • Guaranteed acceptance (no medical exam or underwriting)
  • Coverage earned by completing wellness activities and healthy behaviors
  • Connected to wearables, bank accounts, and partner apps to detect positive health or financial actions

Target Users: Hourly employees, gig workers, part-time and seasonal workers distributed through employer or platform partners

Dollar Benefits Store

A la carte supplemental benefits available at USD 1 per week per product, allowing workers to customize their coverage without purchasing bundled packages.

Key Features

  • Enhanced life and AD&D coverage
  • Telehealth and teletherapy services
  • Critical illness coverage (USD 2,500)
  • Accident medical insurance (USD 1,000)
  • Cell phone / family phone protection
  • Roadside assistance
  • Family vision savings (VSP) -- 20% off eye exams, 15% off contacts
  • Family dental savings -- 20-50% off dental procedures

Target Users: Gig workers and hourly employees seeking affordable supplemental coverage

Enterprise Platform (API)

White-label and API-based integration layer for employers, gig platforms, HR software vendors, and fintech apps to embed Avibra benefits into their existing products.

Key Features

  • API-first architecture for seamless partner integration
  • Benefits distributed under partner brand or co-branded
  • Supports iOS and Android end-user experience

Target Users: Employers, gig economy platforms, HRIS vendors, fintech applications

At a Glance

Founded
2018
Headquarters
Iselin, NJ, USA
Employees
11-50
Funding
Series A

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded Insurance Employee Benefits Wellness Technology
Insurance Verticals
Life & Annuity Group Benefits
Target Customers
Employers, Consumers

Customers

  • Gridwise -- rideshare and delivery driver management app (300,000+ users)
  • UNest -- family financial planning and savings app
  • Steady -- independent workers platform
  • PTS Financial -- financial services provider
  • Roosted -- HRIS platform for gig-economy businesses (partnership announced February 2026)
  • Jitjatjo -- staffing marketplace app for gig workers

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Last updated: 2026-04-09