Federato AI-Native Core System

Federato is an insurance technology company that describes its platform as an AI-native core system for carriers, MGAs and MGAAs. Its pages do not state the founding year or headquarters. On 18 November 2025 it announced a USD 100 million Series D led by Growth Equity at Goldman Sachs Alternatives.

The platform includes policy administration, billing and payments, claims, Product Studio, Control Tower and partner portals. It uses agentic AI to embed context into underwriting decisions so customers can bind risks faster. Logos on the homepage include QBE, Palomar, Ryan Specialty and Acrisure.

• Policy administration: core policy lifecycle management.
• Billing and payments: premium billing in the same platform.
• Claims: claims handling on the core system.
• Product Studio: configuration of insurance products.
• Control Tower: monitoring and control of underwriting activity.
• Partner portals: access for brokers and partners.

A Vietnamese non-life insurer could prioritize commercial submissions by appetite. A reinsurer could consolidate multiple legacy systems into one platform.

Homepage claims include a 50% increased hit ratio, 5.5x high-appetite bound quotes and a 30% lift in high-appetite premiums. The platform also claims a 2x reduction in systems used. Nationwide is quoted as saying Federato is doing agentic AI now.

Carriers are replacing legacy core systems with AI-native platforms to improve underwriting speed and risk selection. Vietnamese insurers modernizing legacy admin systems may evaluate similar approaches, though the vendor lists no Vietnam presence.

Series D of USD 100 million announced 18 November 2025, with returning investors Emergence Capital, Caffeinated Capital, StepStone Group and Pear VC. Customer logos include QBE, Brown and Accelerant.