Innovation intelligence brief
Innovation intelligence brief
We build Whitelabel Insurance Solutions of the Future. We create YOUR insurance solutions.
What became of it
Completed · High confidence · Last verified 2026-10-17
As catalogued
Zurich-based builder of white-label digital insurance products that partners (retailers, banks, insurers) distribute under their own brand, using its own cloud/API platform and carrier partnerships.
2026 reality
TONI Digital (Seefeldstrasse 5a, Zurich) markets white-label insurance for distribution partners, insurers and brokers (payment protection, car, building, travel, life and household cover, plus 'build your own insurance'), listing partners such as Allianz Direct, AXA, Helvetia, HDI, Migros Versicherungen, Vaudoise, TCS and ERV. PostFinance withdrew from property insurance on 1 July 2026; TONI, which already handled administration and customer service, continues the existing car, motorcycle, travel and legal protection policies under its own brand Belsura with unchanged terms. Belsura had earlier been used for a digital credit insurance launched with comparison portal FinanceScout24 (2024).
The white-label B2B2C model remains, extended with partners and lines (e.g. payment protection with FinanceScout24) and, since 2024-2026, with TONI's own consumer-facing brand Belsura, which took over the PostFinance portfolio on 1 July 2026. Series B funding (USD 12.5M, January 2023) was raised for new programmes and European markets; no foreign market entry was found.
the loss of a flagship white-label partner (PostFinance) gave TONI the choice of losing or keeping the book; an own brand lets it retain customers it already administered and reduces dependence on partners' strategic decisions.
one of the few Swiss white-label B2B2C insurance operators with large retail, banking and mobility brands as partners; the Belsura brand adds a direct consumer presence.
Third taxonomy
REVIEW · Verified the PostFinance exit from property insurance and transfer of policies to TONI's Belsura brand on 2026-07-01 (PostFinance page) and the FinanceScout24 Belsura launch; replaced the dead SMG source URL with the live English media release. No other changes.
Documented evidence
Website
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.