Phidea
ai-native · crm-distribution · insurance

Zelros

AI platform for insurance distribution — recommending the right product to the right customer at the agent's or bancassurance teller's point of sale. 15 named European carriers and bancassurance partners in production, headquartered in Paris.

www.zelros.com

Score

13/20
65%
Traction (named carrier deployments)
7 carrier deployment(s) with public source.
3/5
Maturity (years since founding)
10 years since founding (2016).
4/5
Coverage (insurance lines supported)
4 line(s) supported: auto, home, life, health.
4/5
Analyst recognition (Celent / Gartner / Forrester / Everest / ISG)
2 mention(s).
2/5

What it does

Zelros is an AI-native platform for insurance distribution and point-of-sale product recommendation. Founded 2016 in Paris by Christophe Bourguignat, Fabien Vauchelles, and Damien Philippon. The product sits on the agent's desktop or inside a bancassurance teller's system, matching customer profile to the right policy option and guiding the quote-and-bind conversation.

Named customer base. Seven named European carriers and bancassurance partners in production: AXA, BPCE, Crédit Agricole, MAIF, La Banque Postale, AssurOne, +Simple. Zelros reports 15 leading European providers in total. The US footprint is newer — the 2021 Series A was specifically framed as a vehicle to bring the platform to North America.

Funding. $16.5M total: seed + $11M Series A led by Silicon Valley-based BGV in February 2021, with ISAI, Plug and Play, HI INOV, 42CAP, and astorya.vc participating.

Where it sits in old → new → AI. The legacy rung is an agent's memory of the tariff binder. The modern rung is notable by its absence — carriers tended to buy distribution functionality as a feature inside the agent portal or the bancassurance core, and no dominant pure-SaaS modern vendor consolidated the category. Zelros is the AI-native entrant in a layer where the transition from legacy to AI-native was mostly direct.

Named deployments

Covers which actions

Last verified 2026-04-21.