Kalepa named one of the most innovative AI Fintechs in the world

Kalepa has been named to the 2025 AIFinTech100 by FinTechGlobal. It’s a timely recognition – not just for the technology we’ve built, but for the direction insurance AI must now take.

There’s a growing divide in the market. On one side: flashy demos, vague promises, and AI that exists mostly in sales decks. On the other: software that’s integrated, tested, and delivering real outcomes in production. The next decade in insurance will be shaped by which of these camps becomes the standard.

At Kalepa, we’ve staked our future – and that of our partners – on the latter.

Dedicated focus on AI for insurance underwriting

The insurance industry is not a playground for generic AI. It’s a high-stakes, regulated environment where decisions must be explainable, data-rich, and grounded in domain expertise. Commercial and specialty underwriting in particular doesn’t tolerate half-measures or mockups. It rewards substance: better triage, more thorough risk analysis, improved bind rates, stronger portfolios.

That’s why Kalepa is built around agentic AI –modular, domain-specific agents that integrate directly into underwriting workflows and support each step of the process: submission intake, document ingestion, exposure analysis, pricing guidance, portfolio steering, and more.

These AI Agents handle complex processes, with the proven accuracy underwriters and insurance leaders desperately need.

AI for Real Work and Real Impact

The test of any AI system is not what it can show – it’s what it can shift. Our partners don’t just want a new interface. They want better underwriting outcomes.

With Kalepa, underwriting teams are quoting more intelligently, improving selection, and increasing throughput without increasing headcount. They’re seeing measurable lift across top- and bottom-line KPIs – and not because we replaced underwriters, but because we built systems that help underwriters operate at the peak of their abilities.

This isn’t a far-off future promise. It’s happening today. In production. At scale.

Transparency Isn’t a Feature. It’s a Requirement.

When it comes to designing AI systems, we feel strongly that black-box AI has no place in our industry. Every decision made by Kalepa’s agents is traceable, auditable, and explainable – because our customers are accountable to producers, reinsurers, regulators, and capital providers who demand transparency.

When our AI Agent gives a submission a score, it spells out the exact reasons why. If it recommends a pricing band, the underwriter sees what’s driving that. If it flags a hidden exposure, it cites the specific document or data source. 

And if it’s ever wrong, the user can correct it – training the system in the process.

This is how we build trust with underwriters: by building a platform that they can trust.

Moving AI Beyond the Hype Cycle

There’s been no shortage of hype in insurance AI – much of it misplaced. The hard truth is that much of what’s marketed today as “AI” doesn’t make it past a PowerPoint, let alone a pilot. It doesn’t scale, it doesn’t adapt, and it doesn’t integrate into underwriting as it’s actually practiced.

We’ve taken the opposite approach: Build AI Agents that understand the nuances of underwriting. Get underwriters using the software right away. And be judged by production use, not just demo day.

The market is catching up to this distinction. The recognition Kalepa received this week is a signal of that shift – but more importantly, so are the results we’re delivering with forward-thinking carrier sand MGAs every day.

What’s Next

AI is going to keep reshaping underwriting. But not through magic. Through systems that are precise, transparent, and deeply aligned with how risk decisions are made for specific coverages and classes of business.

We’re building that future – not in a slide deck, but in support of some of the most sophisticated underwriters in the industry.

There’s a long way to go. But the direction is clear: agentic,transparent, tangible AI that works where it matters most.

It’s an exciting time in insurance AI. And Kalepa is leading the way.