Imagine… deploying new products in days or weeks, not months; increasing your partners’ production capacity by 9x with the help of integrated AI Sales Co-Workers; or fully automating medical referrals while reducing UW leakage thanks to a skilled AI Underwriter.
Our customers are adding digital processes and products. With Democrance, they offer micro, retail and commercial products across all lines of business, P&C, life and health. They reach their customers when and where they want to buy insurance.
AI Sales Co-Workers increase your brokers, agents and banca partners’ productivity by 9x while their AI Underwriting colleagues reduce UW leakage and improve end customer experience by autonomously analyzing medical reports, identifying medical conditions, re-quoting and binding 12x faster than humans alone.
Direct Sales, Brokers, Agents or Banca Partners. API ready for any digital 3rd party: Aggregators, Supper Apps, Mobile Wallets, HR Solutions, Retailers, Embedded Micro-Insurance, Government and more.
Increase your UW Team capacity by 12x while reducing or even eliminating complex manual referrals. Enable Straight-Through-Processing for all of your products while keeping UW leakage under control. Enhance end customer experience and loyalty with unparalleled turn around times.
SaaS Policy Administration System complemented with an ecosystem of out-of-the-box 3rd party API integrations (health and transport authorities, external UW engines, payment gateways, TPAs, legacy core systems, KYC/AML and more. Democrance Pulse sits on top legacy general ledger and finance systems with zero disruption.
Build any retail or commercial Life, Health or P&C product in days to weeks. Configure your own pricing and UW rules directly into Democrance Pulse or consume any 3rd party UW engines of your choice.
"AXA has partnered with Democrance to operationalize partnerships across multiple AXA entities, including Mexico, Egypt, Belgium, Thailand, Philippines and Senegal. The Democrance SaaS platform supports AXA’s emerging customers and partnership needs by providing both digital and offline capabilities, designed to easily reach AXA’s low-income consumers utilizing traditional and non-traditional distribution channels. "
- Nadia Boughaba, Head of Product, Operations and Technology, AXA Emerging Customers "Our partnership with Democrance enables us to respond to the needs of Filipinos who want access to easy and affordable insurance protection options, with the comfort of digitally-driven customer experiences where they can transact seamlessly."
- Rahul Hora, President and Chief Executive Officer of Manulife Philippines "Our partnership with Democrance has been pivotal in our journey to adapt to the evolving insurance landscape, including gamification to engage potential clients in a fun and interactive way. The launch of our new channel, "Bubble," featuring "Bubble Savings" and "Bubble Last-Expense," is a testament to the success of this collaboration."
- Bernard Ewusie, General Manager, Enterprise Life Ghana 
Press Release
Democrance, a leading provider of digital insurance infrastructure, today announced the launch of Democrance AI Teams, a new suite of autonomous,...
News
We’re pleased to be featured in the January 2026 issue of Middle East Insurance Review, discussing how digitalisation is reshaping...
Press Release
Sukoon Insurance, formerly Oman Insurance Company, today announced the launch of its new digital Accident and Health Insurance products, offering...
