Micruity

The data infrastructure platform connecting insurance carriers, record keepers, asset managers, and plan sponsors for annuity-based retirement income administration and portability.

Insurtech Infrastructure Growth Series A

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Overview

Micruity is an insurtech and fintech platform providing the data infrastructure that connects insurance carriers, record keepers, asset managers, and plan sponsors for the administration and portability of annuity-based retirement income. Founded in 2017 and headquartered in Sacramento, California, the company operates the MARS (Micruity Advanced Routing System) platform, which standardizes the flow of annuity-related data across the retirement industry.

Frequently described as the "Plaid for annuities," Micruity addresses a critical operational gap in the retirement market: the lack of standardized data connectivity that has historically prevented annuities from being offered at scale inside 401(k) plans. The company's platform is integrated with 4 of the 5 largest U.S. recordkeepers and supports income solutions representing nearly half of the Target Date Fund market.

Having raised a USD 20M Series A in December 2025 with participation from major insurance carriers and asset managers as investors, Micruity doubled revenue and achieved 17x growth in platform usage over the prior year, establishing itself as the industry-standard data layer for in-plan lifetime income.

Products & Services

MARS (Micruity Advanced Routing System)

The core platform provides standardized data connectivity between insurers, record keepers, asset managers, and plan sponsors. MARS normalizes data formats and automates data transfer workflows across industry participants, enabling portability of retirement income when participants change employers.

Key Features

Participant-level income administration and portability across recordkeepers
Support for annuity-enabled target date funds (TDFs)
SECURE 2.0 Act compliance capabilities
Scalable lifetime income infrastructure
Real-time data routing and normalization

Target Users: Insurance carriers, 401(k) recordkeepers, asset managers, defined contribution plan administrators

Annuity Integration APIs

An advanced suite of APIs allowing financial institutions such as 401(k) providers to offer annuities to participants. The API layer creates a standardized interface for embedding guaranteed lifetime income options inside defined contribution plans.

Key Features

REST API access for recordkeeper integrations
Standardized data schemas for annuity product data
Portability workflows for plan sponsor transitions
Compliance data flows for SECURE 2.0 reporting

Target Users: 401(k) recordkeepers, plan sponsors, annuity issuers

At a Glance

Founded: 2017
Headquarters: Sacramento, CA
Employees: 11-50
Funding: Series A

Category & Focus

Category: Insurtech Infrastructure
Subcategories: Data Connectivity API Platform Retirement Income Administration
Insurance Verticals: Life & Annuity Group Benefits
Target Customers: Carriers, TPAs, Employers