Toni Digital
White-label insurance-as-a-service platform for brands entering the insurance market
Overview
Toni Digital is an insurance-as-a-service (IaaS) platform for corporations and brands seeking to offer insurance products without requiring insurance licenses or in-house IT infrastructure. The company serves distribution partners such as banks, telcos, and retailers by providing configurable white-label insurance products across motor, payment protection, building, travel, life, and household lines.
The platform is built on a cloud-native architecture with fully open REST APIs, enabling partners to configure insurance products and automatically generate corresponding APIs. New products can be deployed in approximately four months. The technology integrates with Socotra as the underlying core insurance platform and supports multi-language, multi-market deployments for enterprise clients.
Toni Digital operates under a B2B2C model, serving three segments: distribution partners who resell branded insurance products, insurers seeking portfolio management and rapid deployment tools, and end-customers accessing digital insurance through partner channels. The company has grown to 40+ enterprise partners including major Swiss and European insurers, banks, and telcos, supported by USD 18.7M in total funding across two rounds.
Products & Services
Insurance-as-a-Service Platform
A cloud-native platform enabling brands and corporations to launch white-label insurance products under their own branding. Partners can configure any insurance product type and automatically generate REST APIs for integration with their existing digital channels.
Key Features
- Fully open REST APIs with automatic generation from product configurations
- Rapid time-to-market (new products launched in approximately 4 months)
- Digital customer journey with online policyholder cockpit
- Multi-language and multi-market support
Target Users: Distribution partners (banks, telcos, retailers), insurers, brokers
Insurance Product Lines
Six pre-built, configurable insurance product lines available for partner deployment:
Key Features
- Payment Protection Insurance for loan and credit coverage
- Motor/Car Insurance for comprehensive and third-party vehicle coverage
- Building Insurance for residential and commercial property
- Travel Insurance with global coverage and emergency assistance
- Life Insurance including term and permanent solutions
- Household Insurance for contents and personal property
Target Users: Distribution partners configuring products for their end-customers
At a Glance
- Founded
- 2017
- Headquarters
- Zurich, Switzerland
- Employees
- 11-50
- Funding
- Series B
Category & Focus
- Category
- Insurtech Infrastructure
- Subcategories
- Insurance-as-a-Service White-Label Platform API Platform
- Insurance Verticals
- P&C Personal Life & Annuity Specialty/E&S
- Target Customers
- Carriers, Brokers, MGAs/MGUs
Customers
- Allianz Direct
- AXA
- Helvetia
- HDI
- Vaudoise
- PostFinance
- Migros Bank
- Sunrise
- iptiQ by Swiss Re
- Touring Club Suisse
- ERV
Links
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Last updated: 2026-05-18