IPTIQ AMERICAS INC.
White-label embedded insurance platform for North American partners seeking to offer life and P&C products under their own brand
Overview
IPTIQ Americas is the North American division of iptiQ, a digital B2B2C insurance platform originally built within Swiss Re Group. The company enables non-insurance brands -- financial services companies, technology platforms, and affinity groups -- to distribute life and P&C insurance products under their own labels, with iptiQ providing underwriting capabilities, technology infrastructure, and regulatory support.
The platform specializes in white-label insurance solutions that allow partners to offer insurance products to their customers without building internal insurance operations. iptiQ handles the full stack: product configuration, automated underwriting, digital customer journeys, policy administration, and customer servicing -- all branded under the partner's identity.
In 2025, Swiss Re completed a management buyout of the iptiQ Americas Sales Solutions business following a strategic decision to exit the digital white-label insurance market. The Americas business continues to operate, serving North American distribution partners with embedded life and P&C products.
Products & Services
Embedded Life Insurance
Term life, protection, and income replacement products distributed through partner channels under partner branding. Products are configured for specific partner segments including financial services companies, technology platforms, and affinity groups.
Key Features
- Fully white-labeled under partner brand identity
- Automated underwriting for fast digital decisions
- Real-time customer journeys with configurable flows
Target Users: Financial services companies, technology platforms, affinity groups seeking to offer life insurance to their customers
Non-Life Embedded Programs
Home, P&C, and specialty coverage offered through partner distribution channels adapted to North American underwriting standards and partner distribution models.
Key Features
- Partner-configurable coverage options
- Integrated policy administration
- North American regulatory compliance built-in
Target Users: Non-insurance brands, employer groups, membership organizations
Digital Partner Platform
Partner-facing technology enabling product configuration, real-time customer journeys, policy administration, and customer servicing. Provides integration capabilities across multiple distribution channels.
Key Features
- Partner-facing APIs for integration and configuration
- Multi-channel distribution (web, mobile, partner platforms)
- Policy administration and customer servicing portals
- End-customer applications branded for partner distribution
Target Users: Distribution partners building embedded insurance experiences
At a Glance
- Founded
- 2014
- Headquarters
- Armonk, NY, United States
- Employees
- 51-200
- Funding
- Acquired
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance White-Label Distribution B2B2C Platforms
- Insurance Verticals
- Life & Annuity P&C Personal
- Target Customers
- Carriers, Brokers, Employers, Consumers
Customers
- Insify (income protection distribution for entrepreneurs)
- Clark UK (digital life insurance distribution for families)
- Laya Life (digital insurance offerings in the Irish market)
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Last updated: 2026-06-03