Software for insurers, banks and adviser networks
We emable your AI for insurance and financial distribution.
Market data, sourced product answers and compliance checks, delivered as API and MCP. Comparison and arrangement is in pilot. Your engineers embed them in your own assistant, your adviser desktop or your client app.
- Adviser records your AI can query
- 743,816
- European markets
- 42
- German institutions mapped, gated pilot
- 12,150
EU register aggregate
for market entry and distribution teamsAdvisor register records, snapshot 2026-07-15. Darker means more records. Your teams query the same aggregate in the Emable workspace.
| Code | Country | Records | Coverage |
|---|---|---|---|
| IT | Italy | 282,501 | rich coverage |
| PL | Poland | 88,355 | partial coverage |
| FR | France | 71,397 | partial coverage |
| UK | United Kingdom | 67,981 | rich coverage |
| CZ | Czechia | 65,302 | rich coverage |
| SK | Slovakia | 49,675 | rich coverage |
| ES | Spain | 45,525 | partial coverage |
| HU | Hungary | 39,548 | partial coverage |
| UA | Ukraine | 27,214 | partial coverage |
| PT | Portugal | 26,567 | partial coverage |
| AT | Austria | 21,130 | partial coverage |
| TR | Turkey | 19,538 | partial coverage |
| SI | Slovenia | 19,460 | partial coverage |
| BG | Bulgaria | 18,061 | thin coverage |
| GR | Greece | 17,347 | partial coverage |
| DE | Germany | 12,982 | thin coverage |
| RO | Romania | 12,944 | partial coverage |
| BE | Belgium | 12,886 | partial coverage |
| CH | Switzerland | 11,822 | partial coverage |
| HR | Croatia | 10,321 | partial coverage |
| NL | Netherlands | 8,278 | rich coverage |
| RS | Serbia | 4,771 | partial coverage |
| NO | Norway | 4,732 | thin coverage |
| LU | Luxembourg | 3,660 | partial coverage |
| EE | Estonia | 3,581 | thin coverage |
| LT | Lithuania | 3,113 | partial coverage |
| IE | Ireland | 2,734 | thin coverage |
| FI | Finland | 2,704 | partial coverage |
| MK | North Macedonia | 2,537 | partial coverage |
| DK | Denmark | 2,403 | thin coverage |
| BA | Bosnia and Herzegovina | 2,238 | partial coverage |
| IS | Iceland | 1,620 | partial coverage |
| LV | Latvia | 1,527 | partial coverage |
| ME | Montenegro | 1,521 | partial coverage |
| SE | Sweden | 864 | thin coverage |
| MD | Moldova | 837 | partial coverage |
| LI | Liechtenstein | 265 | partial coverage |
| MC | Monaco | 34 | partial coverage |
| AD | Andorra | 34 | partial coverage |
| SM | San Marino | 32 | partial coverage |
| XK | Kosovo | 32 | partial coverage |
| CY | Cyprus | 7 | thin coverage |
What runs on emable
Seven things a distribution business needs to know or do. One layer.
Each chapter is one capability family. Read the line, look at the proof, dig one level deeper only where it matters to you.
EU register aggregate
for market entry and distribution teamsAdvisor register records, snapshot 2026-07-15. Darker means more records. Your teams query the same aggregate in the Emable workspace.
Advisor register records by country, emable public snapshot 2026-07-15 Code Country Records Coverage IT Italy 282,501 rich coverage PL Poland 88,355 partial coverage FR France 71,397 partial coverage UK United Kingdom 67,981 rich coverage CZ Czechia 65,302 rich coverage SK Slovakia 49,675 rich coverage ES Spain 45,525 partial coverage HU Hungary 39,548 partial coverage UA Ukraine 27,214 partial coverage PT Portugal 26,567 partial coverage AT Austria 21,130 partial coverage TR Turkey 19,538 partial coverage SI Slovenia 19,460 partial coverage BG Bulgaria 18,061 thin coverage GR Greece 17,347 partial coverage DE Germany 12,982 thin coverage RO Romania 12,944 partial coverage BE Belgium 12,886 partial coverage CH Switzerland 11,822 partial coverage HR Croatia 10,321 partial coverage NL Netherlands 8,278 rich coverage RS Serbia 4,771 partial coverage NO Norway 4,732 thin coverage LU Luxembourg 3,660 partial coverage EE Estonia 3,581 thin coverage LT Lithuania 3,113 partial coverage IE Ireland 2,734 thin coverage FI Finland 2,704 partial coverage MK North Macedonia 2,537 partial coverage DK Denmark 2,403 thin coverage BA Bosnia and Herzegovina 2,238 partial coverage IS Iceland 1,620 partial coverage LV Latvia 1,527 partial coverage ME Montenegro 1,521 partial coverage SE Sweden 864 thin coverage MD Moldova 837 partial coverage LI Liechtenstein 265 partial coverage MC Monaco 34 partial coverage AD Andorra 34 partial coverage SM San Marino 32 partial coverage XK Kosovo 32 partial coverage CY Cyprus 7 thin coverage 01Market intelligenceLive
European market data your own systems can query.
Sourced adviser, firm and product data for 42 European markets. Your strategy and partnership teams query it in the workspace, or as a tool in your own AI client.
- Live register aggregate across 42 European markets, refreshed hourly
- Germany (pilot, gated): 12,150 institutions as register lines, 68 researched profiles, 31 ranked networks
- One public company URL turned into a structured brief, over the API
02Talent and churnInternal
See who fits your network, and who is leaving it.
Fit briefs against your own role requirements, and churn signals from tenure, licence and team changes. Internal today, opened for your distribution managers through the Radar.
- Talent-fit brief without exporting a single contact
- Churn signals from career trajectories, not gut feeling
- European Advisor Radar: a private market and company-fit report for your firm
03ValidatorLive
Test the proposition before the committee funds it.
A bounded synthetic audience tests a product, price or positioning decision and returns a verdict with evidence. Your product teams run it in the workspace or call it over MCP.
- Up to 100 AI respondents in minutes
- Quick or Deep, the same verdict format
- Evidence labelled directional, never dressed up as a survey
04Assurance and certificationPilot
Your AI agent cannot break the rules.
Your agent calls the filter before it replies. Every draft is judged against MiFID II, IDD, the AFA matrix and your own product documents. Anything that breaks a rule is stopped with the fix, not delivered.
- Runs inside the agent loop, before a client sees anything
- Every check names the rule and the source it was judged against
- One REST call inside your agent, judged against the matrix and your own documents
05Answers from your documentsLive
Insurer documents, answered inside your own assistant.
Binding terms, IPIDs and product sheets, per market and carrier, become answers with a trust state and citations. Your advisers read them in the workspace, your assistant calls the same API.
- Called over REST from your own assistant, or as a tool through the connector
- Your compliance sees the source document behind every answer
- The corpus catalogue is published and machine-readable
06Comparison and arrangementPilot
Comparison and arrangement, inside your own product.
Tools your own product calls: collect what is missing, compare live offers across insurers, arrange the contract in your core system. You embed them in your AI assistant, your adviser desktop or your client app, over the MCP connector.
- Travel pilot: 6 required fields, 3 from the core system, 2 read from the sentence, 1 question to the client
- 26 offers from 6 insurers at 136 to 1,136 CZK, and a contract issued in 26.4 seconds of machine time
- Property line: calculation and live offers verified, arrangement deliberately left unfinished
07BuildPrivate pilot
From a business case to a working POC in days.
Solution Architect routes a business problem to a wired solution, and Builder produces the POC shell. Your architects and their AI reach it over REST and MCP.
- A routed solution with a decision trace, not a slide
- A POC shell on synthetic data inside days
- REST, CLI and MCP share one run lifecycle
The platform on one screen
Capabilities compose into use cases. Each one runs in your assistant, your adviser desktop or your API.
Read live from the same manifests your engineers integrate against. Click a capability to see what it returns and its exact charging unit.
Capabilities, and where your team calls them
| Capability | Status | Web | REST | CLI | MCP |
|---|---|---|---|---|---|
| Insurance AssistantAnswer insurance-methodology questions from a published corpus with sources. | live | ||||
| Market ValidatorValidate a business decision against a bounded synthetic audience. | live | ||||
| AFA AssuranceCheck an answer against the AFA legislation and ethics assurance matrix. | pilot | ||||
| EXA Answer FilterJudge a written insurance answer against insurer documents and return a trust verdict. | pilot | ||||
| EU Market DataAnswer aggregate questions about European financial-services markets. | live | ||||
| Company IntelligenceAnalyze a company's public website into a structured market brief. | live | ||||
| Distribution IntelligenceAnalyze authorized distribution data inside a verified workspace. | pilot | ||||
| Germany Market IntelligenceAccess selected Germany financial-distribution market data with traceable evidence. | pilot |
Use cases
- Advice and complianceSourced Insurance AnswersGive advisers a source-grounded insurance answer with trust state and citations.Head of AdviceProduct LeadCompliance Lead
- Market intelligenceValidate Before ShippingTest a product, price or positioning decision before launch.FounderHead of ProductHead of Growth
- Advice and complianceAdvice Assurance CheckCheck an AI-generated financial answer before it reaches a client.Compliance LeadAI Product Lead
- TalentAdvisor Talent FitTurn explicit role requirements into a bounded talent-fit brief.Talent LeadSales Director
- Market intelligenceEU Market SnapshotCompare aggregate adviser-market structure without commissioning a static report.FounderHead of GrowthPartnerships Lead
Use cases
Start with the outcome you need.
The public cards come from the same governed API manifest used by agents and integrations.
Advice and compliance
Sourced Insurance Answers
Give advisers a source-grounded insurance answer with trust state and citations.
Evidence and priceMarket intelligence
Validate Before Shipping
Test a product, price or positioning decision before launch.
Evidence and priceAdvice and compliance
Advice Assurance Check
Check an AI-generated financial answer before it reaches a client.
Evidence and priceTalent
Advisor Talent Fit
Turn explicit role requirements into a bounded talent-fit brief.
Evidence and priceMarket intelligence
EU Market Snapshot
Compare aggregate adviser-market structure without commissioning a static report.
Evidence and priceBuild on Emable
Company Market Brief
Turn one public company URL into a structured market brief.
Evidence and priceAnswers
The questions your market and product teams bring us.
Every answer carries its period, source and reliability grade. Your own assistant can pull the same numbers through the connector, so an answer here and an answer in your product agree.
- GermanyHow many financial advisers are there in Germany?Germany has an estimated 285,000 active financial advisers in 2025 to 2026, within a range of 240,000 to 330,000 (reliability C, emable Germany Intelligence package version 2026-08-27). The official DIHK registers hold 178,810 insurance, 41,388 financial investment, 58,014 mortgage credit and 375 fee-based investment registrations in Q3 2026 (reliability A). Those rows are records, not people, and they are not additive across licence types.Read the answer
- EuropeHow many financial advisers are there in Europe?emable's EU register aggregate holds 1,288,561 advisor register records across 42 European countries as of 5 September 2026, of which 879,397 carry an active status (live, refreshed hourly, reliability A for record counts). The public snapshot of 15 July 2026 holds 968,080 records. These are register records, not people, and no public source counts active advisers across Europe as people.Read the answer
- GermanyHow is insurance distributed in Germany?In 2024, single-tied agents wrote 37.6 percent of German life insurance new business and 41.1 percent of non-life (GDV table 13, reliability A). Multi-tied agents and brokers wrote 37.5 percent of life and 44.4 percent of non-life, banks 19.4 percent of life and 5.9 percent of non-life, and direct sales 2.4 percent and 4.9 percent. Broker pools are infrastructure behind those channels, not a channel of their own.Read the answer
- MethodHow do you validate a financial product before launch?A financial product is validated before launch by running a bounded synthetic-audience study on the proposition. emable's Market Validator puts one proposition in front of up to 100 AI respondents in Quick or Deep mode and returns a verdict with evidence in minutes (capability status live, 2026). The evidence is labelled directional; it does not replace a regulated approval process or a live market test.Read the answer
- CapabilityHow does an insurer put insurance comparison and arrangement into its own AI?Comparison and arrangement puts the whole sale inside an insurer's or a distributor's own AI assistant. The tools call a partner core system, from one free sentence to an issued contract. In emable's pilot run on 26 August 2026, the person was asked one question. Six required fields were seeded or extracted against a partner demo environment. The comparison returned 26 offers from 6 insurers at 136 to 1,136 CZK, in 26.4 seconds of machine time, and a contract was issued in that demo environment. Status is pilot and payment is not claimed.Read the answer
- MethodWhat is AI assurance for financial advice?AI assurance for financial advice is a filter your own AI assistant calls before it replies to an adviser or a client. The draft answer is judged against the rules that apply, and anything that breaks one is stopped with the fix instead of delivered. emable runs it as AFA assurance, a pilot in 2026. It arrives with the AI Act in general application from 2 August 2026 and DORA in application since 17 January 2025 (reliability B). An insurer, a bank or a network installs it as a step inside its own agent. It does not certify a person or approve a product.Read the answer
One connector
Put every capability inside your own AI assistant.
The Emable Finance Connector speaks MCP with OAuth, so an insurer or a distributor can point an in-house assistant at it. Your adviser desktop and your client app call the same capabilities over REST. Every surface shares one auditable run lifecycle: queued, running, succeeded, failed, refused, awaiting approval. Refused work creates no charge.
{
"mcpServers": {
"emable": {
"url": "https://api.emable.ai/mcp",
"auth": "oauth"
}
}
}
> your product team asks: which European markets fit our new digital mortgage product?
emable.eu_market_data ......... 42 markets, aggregate only
emable.company_intelligence ... brief from one public URL
run: succeeded, sources attached, charged credits shownSimple on the outside. Governed all the way down.
Bring us the surface you want it inside: your assistant, your adviser desktop, your client app. Your engineers can hold a capability in their hands the same day, without a purchase order.
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