Federato Named to the InsurTech100 for the Fourth Time

FinTech Global recognizes the AI-native platform that runs the full policy lifecycle for P&C carriers, managing general agents, and MGA aggregators

SAN FRANCISCO--(BUSINESS WIRE)--Federato, the only AI-native platform spanning the full policy lifecycle, has been named to the 2026 InsurTech100 by specialist research firm FinTech Global. A panel of analysts and industry experts chose the list from more than 2,100 InsurTech companies. Federato has now been named to the InsurTech100 four times.

The InsurTech100 recognizes companies that use technology to solve real problems across the insurance value chain. Federato was built for a problem most insurers still have: core systems designed for a time when people gathered, rekeyed, and interpreted every piece of data themselves. Most vendors have answered with AI features added to that old architecture. Federato built its platform around AI from the start, so its agentic workflows run through submission intake, underwriting, pricing, policy administration, billing, and renewal as one connected system.

That design shows up in how customers use Federato. Among customers signed in 2025, 88% use it to manage the full policy lifecycle rather than a single step in it.

"Most insurers I talk to have already tried adding AI on top of their existing policy systems, and they're finding the old system still decides what's possible,” said Will Ross, CEO of Federato. “We started from the other direction, with AI built into the platform that runs the whole policy lifecycle. Being recognized again this year tells me more of the industry is coming around to that approach."

FinTech Global CEO Richard Sachar said this year's honorees are "tackling in innovative ways some of the industry's biggest challenges across areas such as underwriting, claims, risk assessment, distribution and customer engagement."

The full 2026 InsurTech100 list is available for free at https://fintech.global/insurtech100/.

About Federato

Federato is the only AI-native platform that spans the full policy lifecycle and changes the way insurance work gets done. It replaces legacy policy administration systems with AI capabilities built in to insurers' workflows, not bolted on. Its proven agentic AI conducts complex analyses with depth and rigor, freeing up insurers' human capital to focus on nuanced decisions and relationships. Federato is the independent alternative to legacy systems that enables better business outcomes. Learn more at federato.ai.

Frequently asked questions

What is the InsurTech100?
FinTech Global publishes the InsurTech100 every year to recognize the most innovative companies using technology in insurance. For its ninth edition in 2026, a panel of analysts and industry experts reviewed more than 2,100 companies.

How many times has Federato made the list?
2026 is Federato's fourth time on the InsurTech100. That makes it one of a small group of companies the panel has recognized across several editions.

Why was Federato selected?
Federato runs the full policy lifecycle on a single AI-native platform, from submission intake through underwriting, pricing, policy administration, billing, and renewal. Most competing products either add AI to legacy systems or cover one step, such as intake.

What's the difference between AI-native and AI-enabled?
An AI-enabled system is a legacy platform with AI features added later, so the old data model and workflows limit what the AI can do. Federato was designed around AI from the beginning. Its data structure was built so agentic workflows can analyze, route, and inform decisions across the whole lifecycle.

Does Federato only handle underwriting?
No. 88% of customers signed in 2025 use Federato for full policy lifecycle management, which includes policy administration and billing alongside underwriting.

Every insurtech vendor says it uses AI. Why should an insurer believe this is different?
Look at where the AI sits and what it replaces. If it sits on top of a legacy policy system, the insurer still carries every limitation of that system. Federato replaces the legacy system, so AI is part of how every decision gets made.

Who does Federato work with?
Federato works with P&C carriers, managing general agents (MGAs), and MGA aggregators (MGAAs).