API-First Infrastructure for Embedded Insurance

Owen's modular architecture empowers digital finance platforms to embed exactly what they need-from a single feature to the full insurance stack-with minimal effort and maximum flexibility.

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Our Platform

Whether it's underwriting, claims, subscription, or reporting, each service can operate independently or as part of an end-to-end journey.

Owen is built on a powerful technological foundation designed to adapt to each partner's capabilities and strategic goals. Our product offers three flexible integration modes to serve all levels of technical maturity.

3 Integration Modes
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Mode 1

API Integration For tech-first players

A suite of documented REST APIs to embed insurance directly into digital user flows:

Subscription, payment, claims handling, and real-time reporting

Secure environment, multilingual support, GDPR compliance

Partner dashboard for campaign performance and operational oversight

> Who it's for: Fintechs, digital banks, SaaS platforms with tech teams
> Key Advantage: Time-to-market reduced to 2-4 weeks with fully customized user experiences

Mode 2

No Code portal
For instant deployment

Owen offers a turnkey portal for end users to subscribe to protection without heavy integration:

White-labeled subscription pages

Instant activation via embedded link or button

Policy management interface, customer support and claims workflow included

> Who it's for: Platforms without tech resources, product and ops teams seeking fast deployment
> Key Advantage: Go live in under 48 hours, no development needed

Mode 3

Custom solutions
For complex journeys

We support partners in building tailored, multi-product, multi-country insurance flows:

Design of specific modules (multi-user, multi-currency, etc.)

Integration into vertical workflows (e-signature, credit process, B2B purchasing)

Dedicated project support, custom data flows and complex eligibility rules

> Who it's for: Partners with specific needs or advanced integration roadmaps
> Key Advantage: Full coverage of business-critical use cases, with technical and regulatory support

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Why choose Owen ?

Transform Insurance into a Revenue Engine for Your Company

Frequently Asked Questions

How can integrate Owen in my offer/product

Nothing could be simpler, by letting Owen's teams guide you. We offer 3 different types of integration to better suit your needs (API, No Code, Custom).

How long does it take to integrate Owen in my product?

It's pretty quick. Depending on your choice of integration but using our API, Partners can integrate our solution in 2-4 weeks.

How will my customers report a claim?

It is very easy to declare a claim with Owen: just go to the log in page and follow the instructions for an online declaration, 24/7. If the customer prefers to make the claim by phone, this is also possible: the number is listed on the "contacts" page.

Do we have to pay taxex on the insurance collected? Is Owen the one collecting ?

You collect the premium paid by your customer when he or she places an Owen policy in the shopping cart. This collection is done on behalf of Owen, without having to pay any tax (neither VAT nor insurance tax). At the end of the month, we will send you a slip to collect these premiums, to pay your commissions, and our insurance partner will take care of the tax payments.

What kind of products does Owen offer?

Owen offers a wide range of insurance products accessible in real time and ready to use. You can pick and integrate what fits your customers' needs (card insurance, business insurance, loans insurance, car insurance, bill protection, etc.).