CourtiZen×FCB.ai

Building Africa's AI‑Native Insurance Distribution Layer

Transforming how insurance is bought, sold, and serviced across Morocco and 14 CIMA markets.

Winner — InsurTech Innovation Morocco 2026
ACAPS Digital Broker License — In Progress
14 Markets — CIMA Expansion Pipeline
The Problem

Insurance Distribution
in Africa is Broken

<5%
Insurance penetration across key African markets — among the lowest globally
10×
Higher acquisition cost through traditional brokers and call centres vs. digital
0
Standardised API infrastructure connecting insurers across CIMA's 14 markets

Distribution — not product — is the bottleneck holding back insurance growth across the continent.

The Platform

The AI‑Native
Digital Broker

Replacing manual insurance distribution with a conversational, AI-driven platform. Customers discover, compare, buy, and manage insurance — seamlessly, from their phone.

01

Engage

Customer connects via WhatsApp or web

02

Understand

AI collects needs conversationally

03

Compare

Real-time multi-insurer quotes

04

Bind

Instant policy issuance & payment

05

Retain

Renewals, claims, cross-sell via AI

The distribution infrastructure layer for African insurance
Strategic Partnership

The Hybrid
Distribution Engine

FCB.ai

The AI Platform
  • Conversational AI underwriting engine
  • Multi-insurer comparison & binding
  • WhatsApp-native distribution
  • AI lifecycle engagement system
  • 9+ years building AI × insurance
Full Stack

CourtiZen

The Market Engine
  • ACAPS digital broker license pathway
  • Morocco-first market execution
  • Agent & field distribution network
  • Regulatory & compliance framework
  • CIMA expansion architecture

"We don't replace brokers — we upgrade them."

Market Opportunity

Massive. Untapped.
Mobile‑First.

$6B+
Morocco insurance market
14
CIMA countries in pipeline
100M+
Addressable population
70%+
Mobile penetration rate

The next 50 million policyholders will come via mobile & AI

Business Model

Multiple Revenue
Streams at Scale

Commission

Revenue share on every policy sold through the platform across auto, health, life, and property lines

SaaS Licensing

Platform licensing to brokers and insurers wanting AI-powered distribution without building it themselves

Affinity Partnerships

Embedded insurance through banks, telcos, and corporates — distribution through existing trust networks

Premium Features

Subscription tier for advanced analytics, priority support, and white-label distribution capabilities

Where We Are

Building in Motion

InsurTech Innovation Award

Recognised for AI-native approach to insurance distribution in Morocco

Won — 2026

ACAPS Digital Broker License

Regulatory application for Morocco's first AI-native digital brokerage

In Progress

Insurer Integration Pipeline

Active engagements with Moroccan insurers for API-based policy binding

Active

CIMA Expansion Framework

Regulatory and technical architecture for 14-country rollout

Designed
The Team

Built by Insurance
& Technology Veterans

YE

Yassine El Abbassi

Founder & CTO — CourtiZen
  • AI-native platform architecture & development
  • Morocco regulatory navigation & ACAPS strategy
  • Full-stack technical execution
  • Deep understanding of local market dynamics
RM

Richie Marsden

Head of Global Partnerships & Sales — FCB.ai
  • 25+ years in insurance distribution
  • Built large-scale broker operations globally
  • Early mover in AI × insurance — 9+ years
  • Led customer acquisition at massive scale
Get Involved

Join Us in Building the Future of Insurance Distribution in Africa

We're raising our pre-seed round. Let's talk.

Get in Touch

Let's Start a
Conversation

Whether you're an investor, potential partner, insurer, or simply curious about what we're building — we'd love to hear from you.

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