Stonestep is a Swiss-based insurtech firm that is changing how insurance is delivered in emerging markets.
With its ‘Microinsurance as a Service’ platform, Stonestep enables mobile network operators, retailers and other corporations to easily diversify their services and generate additional revenue, by offering risk products designed to address the needs of first-generation insurance customers at an affordable price.
Headquartered in Switzerland, we are global in reach. From South America and Africa to Asia, where we are now expanding into Singapore, the Philippines and Myanmar.
We specialize in tangible consumer risk products protecting property and income, and providing services that customers can use now.
Our "Microinsurance as a Service" structure allows our global partners to expand into a new line of customer services, improving brand value while maintaining focus on their core business.
We build local networks to deliver real services directly to our customers. We bring the platform necessary for high volume, low ticket, high frequency risk products for all.
Launched the first dedicated mass-consumer insurance and service provider in the country, growing it to service over 18 million annual customers via mobile operators, retailers, utilities, and other channels.
Designed the first smartphone protection product in the country, enabling consumers to protect what is often their most valuable possession and connection to the outside world.
Launched the first Pre-Paid SIM card which included accident income protection, a product never before accessible to the 'unbanked'. Now over 100,000 new customers are signing on to this protection a month.
Partnered with the countries' leading microfinance provider to truly understand the risks their clients face. Enabling the creation of risk products that will protect over 600,000 people.
Designed and implemented a market-first and award winning product for working women with cash benefits for hospitalization.
Implemented savings deposit-linked insurance and micro-accident policies through partners in rural China.
Rolled out multiple products with specific "tangibility" features such as pharmacy discounts, food voucher. "Scratch-card" policy forms with pre-paid Personal Accident and phone activation.
Implemented simple over-the-counter insurance for accidents, dental, medical assistance, and mobile phone handsets via the market's leading retail channels as well as through microfinance institutions.
Developed and implemented the first smartphone-enabled microinsurance field agency with a leading mobile-bank, offering legal protection products to customers in the townships.
Designed and implemented strategies which have developed some of the largest distributors of mass-consumer insurance in the market -- specialized insurance departments within leading retail groups.
Designed and implemented products ranging from mobile device protection through to protection of the home, distributing these through multiple channels.
Brandon is a recognized leader in innovative insurance business services for emerging markets. He started AIG’s global micro- and mass- insurance with major propositions in Brazil (Garantec) and India (Cattle insurance). He led Zurich Insurance’s global Emerging Consumer division to major launches in Asia, Africa, and Latin America, establishing a major legacy of growth and profitability at both companies.
Toby is a product marketing and distribution expert with experience starting and managing stand-alone agencies and licensed arrangements in multiple markets serving major insurers and partners. He has particular experience in Asian markets including Korea, Philippines and Thailand.
Renata started her career at GE Capital in Brazil, and later had senior roles in Garantec, Unibanco AIG and Zurich Insurance. Renata brings unsurpassed experience in project management, operations, customer care and IT development to deliver reliable high-volume, low-cost administration.
Alex leads Stonestep's SE Asia and Myanmar operations. He previously designed a Smartphone Accidental Damage and Handling program in Ghana for a leading mobile network operator. Prior to Stonestep, he project managed utility-scale solar energy projects in San Diego California for a division of Toyota.
Allan is Senior Accredited Actuary from Brazil, bringing over 20 years’ experience in innovative product development for emerging markets. He has had senior roles at AGF Allianz Group, Unibanco AIG and most recently Zurich Brazil Seguros, where he was head of their Consumer Products division.
Ronaldo is both an underwriter and operations expert with specific experience in Accident & Health and Travel products in Brazil. He joins Stonestep from AIG & Starr Companies, where he ran their Brazilian A&H Division. A keen advocate of responsive customer experience, he believes in both preserving and enhancing the consumer’s and society’s well-being.