The OS of Digital Insurance

The operating system for insurance distribution

We unify carriers, intermediaries, and customers into one intelligent platform — starting in Morocco, scaling across Africa.

ACAPS
Emergence Program
InsurTech Award
Morocco 2026
Finalist
Trophées de l'Assurance 2026
How can we help?

Choose your path

We serve different partners with tailored solutions.

For Intermediaries

The brokerage efficiency gap

Every day, intermediaries across Morocco lose time and revenue to fragmented systems, manual processes, and disconnected carriers.

6+
Extranets
Managed daily per intermediary, leading to complexity
4x
Re-Entry
Data redundancy per contract, increasing errors
60%
Wasted Time
Lost on low-value administrative tasks
The Solution

One platform. Every carrier.

01 — Aggregate

Unified Aggregation Layer

Connect all your carriers into one interface. No more juggling 6+ extranets. Compare quotes instantly.

02 — Automate

Single Entry, Multi-Push

Enter client data once, distribute to every carrier instantly. Eliminate redundancy. Reduce errors to near-zero.

03 — Comply

Compliance-Native Infrastructure

Automated regulatory documentation aligned with ACAPS. Zero-touch compliance. CNDP-ready. E-signatures built in.

⛔ Traditional Journey
✅ With CourtiZen
Visit broker office or call agent
Scan QR code or click WhatsApp link
Manually log into 5+ carrier portals
AI qualifies risk through conversation
Re-enter data up to 5 times
Real-time multi-insurer quotes compared
Paper quotes compared over hours or days
Digital binding with mobile wallet
Physical signatures, bank transfers
Policy issued automatically via WhatsApp
Claims via phone, paper, office visits
Claims via WhatsApp with photo upload
Renewals depend on memory — most lapse
AI-triggered renewals and cross-sell
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Strategic Partnership

CourtiZen × FCB.ai

Combining proven pan-African AI distribution with regulated local infrastructure — a phygital model that blends digital convenience with human trust.

10+ African Countries

FCB.ai is already deployed across the continent, serving millions of users with AI-native conversational insurance. This is proven infrastructure, not a pilot.

Affinity Deal Expertise

Deep knowledge of embedded insurance through telcos, banks, employers, and retail networks. Opening distribution channels that unlock new customer segments at scale.

WhatsApp AI Integration

FCB.ai's conversational AI bot plugs directly into the CourtiZen pipeline. Customers engage, compare, and buy insurance through natural WhatsApp conversations.

Phygital Distribution

Hybrid subscription processes that blend digital convenience with physical intermediary trust. A model that works for digital-native customers and those who need human guidance.

Customer
WhatsApp AI (FCB.ai)
CourtiZen Pipeline
Multiple Carriers
Policy Issued
For Startups & Insurtechs

Launch in Morocco. Scale across Africa.

We've already built the regulatory framework, carrier integrations, and distribution infrastructure. Let's work together to bring your products to market.

60B MAD
Annual insurance premiums in Morocco
2,000+
Intermediaries in a fragmented market
<10%
Insurance penetration — demand far outpaces access
14
CIMA markets as expansion gateway

What we bring to the partnership

Regulatory Readiness

Born from the ACAPS Emergence Program. Compliance is built in from day one — CNDP, e-signatures, regulatory documentation.

Multi-Carrier API Aggregation

Direct connections to major Moroccan insurers — Wafa, Sanlam, AXA, and more. No need to build integrations from scratch.

Distribution Infrastructure

A growing network of intermediaries and affinity partnerships. Combined with FCB.ai's WhatsApp infrastructure already active across 10+ African countries.

Deep Local Expertise

42+ years of combined agency management expertise. We know the market politics, carrier margins, relationships, and the full regulatory landscape.

About CourtiZen

Built. Proven. Ready to scale.

ACAPS Emergence Program
InsurTech Innovation Award 2026
Finalist — Trophées de l'Assurance 2026

Moroccan Engineering Excellence

Cloud-native architecture, modern UX, production-grade engineering. Advanced carrier API integrations, enterprise security, e-signatures — built entirely in Morocco to global standards.

Deep Market Authority

42+ years of combined agency management experience. Intimate knowledge of market politics, carrier margins, relationships, and the full regulatory landscape.

Operational Advantage

10+ years of insurance tech experience with established carrier relationships. FCB.ai's WhatsApp infrastructure already deployed across Africa, serving millions.

Proudly Moroccan. Built to the highest global standards.
Get in touch

Let's talk about what's next

Whether you're an intermediary looking to modernize, a startup exploring the Moroccan market, or an investor interested in our vision — we'd love to hear from you.

Casablanca, Morocco
contact@courtizen.com
Book a meeting