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
Compliance-first
CNDP & e-signatures
Built in Morocco
Engineered for African markets
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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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, with WhatsApp-native distribution built for African markets.

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
CNDP compliant — e-signatures & audit trail
Built in Morocco, for African markets

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. WhatsApp-native distribution designed for the realities of African markets.

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
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