Eleos Life – A Case Study in Embedded Protection
Making Life & Income Protection Effortless, Embedded, and Inclusive
What is Eleos Life?
Embedded Protection When It’s Most Needed
What is Eleos Life?
Embedded Protection When It’s Most Needed
Eleos Life helps businesses offer their customers protection against life’s biggest financial shocks — like serious illness or the death of a loved one. Through accessible, co-branded or white-labelled insurance options like term life and disability cover, they help people become financially resilient.
Eleos Life partners with trusted platforms, like credit unions, to embed this protection directly into everyday digital journeys. With no setup costs, AI-powered journeys, and human backup, Eleos ensures simplicity, speed, and empathy in every interaction.
The Challenge
Slow, Complex, and Disconnected Traditional Solutions.
The Challenge
Slow, Complex, and Disconnected Traditional Solutions.
Traditional life and disability insurance remains slow, complex, and disconnected from the digital journeys consumers now expect. Products are expensive to launch, often difficult to understand, and have historically underserved those most in need – especially younger, mobile-first users. For platforms in the financial wellbeing space, integrating insurance can feel like a technical and regulatory minefield.
The Solution
Plug-Ang-Play White-Labeled Journeys
The Solution
Plug-Ang-Play White-Labeled Journeys
Eleos delivers a plug-and-play solution that lets any digital brand offer life and disability insurance through a white-labeled, AI-driven journey. Users can ask questions, receive personalized guidance, and bind policies – all within minutes. Backed by licensed coverage in both the US and UK, Eleos removes the traditional barriers to entry and makes income protection available to all.
Impact & Results
Digital Platforms & Massive Reach
Impact & Results
Digital Platforms & Massive Reach
- Eleos is already live with 10+ digital platforms.
- The company has access to nearly 5 million consumers across its embedded partners.
- Conversion rates and partner retention metrics are strong, supported by a hybrid AI + human model.
- Customers gain access to additional wellbeing perks, like remote primary care services, physio therapy sessions and mental health support, driving engagement.
What Makes Eleos Different?
Seamless, Quick, and Tailored
What Makes Eleos Different?
Seamless, Quick, and Tailored
- Zero setup cost or licensing headache for distribution partners.
- Embedded in days, not months.
- Fully white-labelled or co-branded experience for distributors.
- AI assistant offers tailored support, with human agents always available.
- Wellbeing perks that keep users engaged even when they don’t claim.
Embedded Distribution in Action
Elevating Apps through Partnership
Embedded Distribution in Action
Elevating Apps through Partnership
Over the next 12 months, Eleos is focused on three strategic goals:
- Scaling its U.S. presence via partnerships with neobanks, money apps, and credit unions.
- Launching innovative new products, including free basic coverage tiers.
- Expanding its UK footprint with enhanced wellbeing and financial protection features.
“It’s both easy and free to work with us. We embed protection into digital journeys in days – with no setup costs. Our partners get happier customers, and their users get peace of mind. Eleos takes care of the rest.”
— Kiruba Shankar Eswaran, CEO, Eleos Life
How InsurTech Fund Helped
Get in Touch
Eleos is actively seeking:
- Digital P&C MGAs open to white-labelled life & disability partnerships
- Capacity providers for new personal protection products
- U.S.-based investors to fuel expansion
To connect, partner, or explore what embedded protection could mean for your platform, reach out to: kiruba@witheleos.com
For more events and upcoming programs from InsurTech NY, visit www.insurtechny.com. Stay connected with us on LinkedIn for future roundtables, conferences, and community announcements.
