Tailor-made
insurance
solutions.
Launch insurance products in 3 months — without in-house team, without regulatory burden, without risk.
Trusted by
Backed by
French
insurers.
14 French health insurance market participants chose to invest in TODAY for the long term. 100% French capital. A strategic commitment, not a financial bet.
Backed by 14 French health insurance market players — securing TODAY's financial structure with long-term, sector-aligned capital.
French capital — no external financial investor, no venture capital. Shareholders are insurance market operators with a long-term view on the sector.
Investment horizon — shareholders are committed to TODAY's development as a durable insurance infrastructure, not a short-cycle exit.
Managing General Agent (MGA) regulated by the ACPR — France · Spain · EU passporting (LPS)
Compliant with GDPR, IDD and DORA. Joint data controllership agreements signed with banking-grade partners.
Time to production — standard configuration. Up to 6 months for dedicated multi-entity infrastructure.
One integrated system.
The full chain.
Web & mobile.
TODAY operates as a dedicated insurance service operator — quoting and advisory tools, subscription, policy documentation, contract management, member portal, claims settlement, telephony. We also build and deploy white-label web and mobile applications. Everything under your brand.
TODAY's technology is built as a single, fully integrated vertical. Every module — quoting, subscription, contract management, claims, member portal, telephony — is owned and operated by TODAY, with no third-party dependency. This architecture allows us to manage the entire insurance chain within one coherent system.
Every enrollment, claim, policy change and payment event pushed to your systems via webhooks. No polling, no batch delays, no data silos. Full audit trail included.
The solution integrates seamlessly into your existing environment. TODAY operates invisibly in the background; your clients only ever see your brand.
For group health and income protection contracts, TODAY automates the synchronisation of insured employee populations and premium calls — entries, exits and mid-term changes — directly from payroll data flows. Not applicable to affinity or retail products.
Loss ratio monitoring at the finest available granularity: by product, age bracket, geographic zone, contract generation, guarantee level, distribution channel and more. Real-time data, configurable views, exportable for portfolio steering.
Telephony infrastructure and IVR included in the turnkey offering. Managed call routing, member identification, claims intake by voice, escalation workflows — fully integrated, nothing to build or outsource.
TODAY can structure and operate a wholesale broker platform: broker onboarding, dedicated access per distributor, commission management, consolidated reporting and individual performance tracking by network node.
TODAY can bear the promotion and distribution costs of insurance products within partner networks — retail store chains, banking agency networks, and more. This removes a key barrier for partners who want to offer insurance without carrying the associated marketing costs.
TODAY's platform includes a powerful tracking engine that identifies the exact origin of every sale — by channel, network node, distribution point, campaign or partner. Full attribution at every level, in real time, enabling precise performance management across all distribution networks.
A realistic timeline: 3 months for a standard configuration on a known product type; up to 6 months for dedicated infrastructure or multi-entity deployments. If we have worked on a similar product before, early milestones can be reached in weeks.
mTLS, OAuth 2.0, AES-256 field encryption, zero-trust access, immutable audit log. Meets the most demanding banking-grade security requirements out of the box.
The platform natively supports multilingual deployment. Activating a new language is a configuration, not a development project — opening a market is an operational decision.
99.99% monthly availability, contractually guaranteed. Incident response: 30 minutes for critical, 1 hour for high severity. Resolution: 4 hours for critical, 8 hours for high severity. Fixed-price model — no variable billing surprises.
100% proprietary.
Real-time control.
No black box.
TODAY owns 100% of its systems — no subcontracting, no third-party dependency, no vendor lock-in. Every component is built, operated and auditable by TODAY. What you see is what runs.
Every metric tracked in real time. Loss ratio, S/P, combined ratio, provisioning of outstanding claims (IBNR) — broken down by product, guarantee level, age bracket, geographic zone, contract generation, distribution channel. Risk steering at the finest available granularity, not end-of-month aggregates. Access is secured, remote, and available to your teams at all times.
Data delivered the way you need it — secure VPN, email, CSV, TXT, API. Reporting is fully configurable: frequency, scope, format, recipients. Your actuaries, your risk committee, your reinsurers — each gets exactly what they need, nothing more.
Every module — enrollment, claims, direct billing (health insurance), analytics, telephony, IVR, mailing — is built and maintained internally by TODAY's engineering team. No black-box third-party component, no vendor SLA chain to manage. A single point of accountability.
Every tool in the chain is built and owned by TODAY — no third-party software, no licence fees, no black box. End-to-end automation keeps management costs as low as possible. And because every component is ours, each one can be adapted to your specific requirements.
Banking-grade.
No compromise.
Ever.
TODAY's security architecture meets the requirements of regulated financial institutions. Every layer auditable, every access logged, every byte encrypted.
All data on French infrastructure. No cross-border transfers. Full RGPD compliance with DPO framework and DPAs ready to sign on day one.
Role-based access, OAuth 2.0, mTLS for server-to-server comms, and full immutable audit trail on every API call.
AES-256 at rest, TLS 1.3 in transit. NIR and IBAN encrypted at field level. Customer-managed key support available for enterprise-grade requirements.
AML/CFT controls fully automated. IDD distribution compliance, ACPR audit trail available at any time. Automatic vulnerability scanning integrated into the development cycle. Data portability guaranteed contractually at end of contract — no technical lock-in.
99.99% monthly availability, written into every contract. Disaster recovery plan tested in real conditions — validated RTO under 30 minutes. Failover is fully automated, no manual action required. Critical incident: 30-minute response, 4-hour resolution. These are contractual obligations, not targets.
Independent penetration tests conducted regularly by external specialists. All identified vulnerabilities confirmed remediated before production. The test protocol covers 143+ scenarios: injection attacks (XSS, SQLi, CSRF, XXE), authentication & authorisation bypass, cryptography, file upload controls, cross-tenant access, data exposure and session management. Full results shared with enterprise clients on request.
Your sector.
Your needs.
Our answer.
From pet insurance to group employee benefits, from simple affinity insurance to complex health — TODAY's platform handles any insurance product, at any scale, under any brand. The examples below are what we already operate. The next one is yours.
Regulated environments
White-label insurance distribution through your existing banking channels — compliant with your security requirements, invisible to your clients. TODAY operates the full platform under your brand, from quote to claims.
- Banking-grade security
- SSO / SAML 2.0 integration
- Pet insurance — full claims management
- AML/CFT & regulatory reporting
A better experience for your existing and future contracts
TODAY adapts to your existing architecture. Depending on the configuration chosen, deployment can be achieved without migration or carrier change. Your members gain a modern digital experience while you retain full ownership of the contract.
- Online quoting & advisory tools
- Digital subscription & e-signature
- Automated policy documentation (éditique)
- Contract lifecycle management
- Self-service member portal
- Claims settlement & direct billing (health)
Automated management of large insured workforces
Group employee benefits for large, multi-entity workforces — executives and non-executives. Income protection covers loss of earnings due to illness or disability, adapted to the labour law of each country. Multi-site management, franchise-level reporting, automated synchronisation of insured employee populations from payroll data flows.
- Group health insurance
- Income protection — loss of earnings
- Multi-entity & franchise reporting
- Real-time S/P dashboard by entity
- Automated insured workforce synchronisation from payroll flows
Pet insurance as a white-label product
TODAY operates pet health insurance (veterinary costs) for three of Europe's largest distribution networks. Real-time pricing, instant policy issuance, complex claims management included — not just basic affinity insurance. The same platform adapts to any affinity product embedded in the client's environment.
- Pet health insurance — veterinary costs
- Integration into the client's environment — in-store communication campaigns
- Complex claims management
- Partner performance dashboard
Sovereign stack.
Built to last.
100% proprietary, no vendor lock-in. Every capability is independently deployable, all integrated within a single coherent system. The platform handles subscription, contract management, claims, member portal, telephony and analytics — all operated by TODAY with no third-party dependency. Every data flow is auditable.
- → REST API (private, on-contract)
- → Webhooks & events
- → White-label UI
- → Mobile SDK
- → Domain / subdomain / dedicated infra
- → In-store & digital communication integration
- → Enrollment & contract management
- → Claims workflow (complex)
- → Direct billing network — health insurance
- → Analytics dashboard (S/P, geo, age…)
- → Telephony & IVR
- → Broker network & wholesale platform
- → GDPR / DPA ready
- → AML/CFT controls
- → ACPR audit trail
- → IDD distribution log
- → ORIAS compliance
- → 99.99% SLA · incident management
- → France-hosted · HDS
- → mTLS + OAuth 2.0
- → AES-256 field encryption
- → Active-active HA
- → 99.99% contractual SLA
- → ANSSI aligned