Seamless integration
Insurance products embedded directly into digital customer journeys.
Your partner for embedded insurance
Iute Affinity is the insurance solutions platform of Iute Group. Enabling seamless integration of third-party insurance products into digital financial services.
As part of the Iute ecosystem, and with over 18 years of in-market experience, we connect partners, technology, and processes through the full insurance lifecycle across the Balkans, Estonia and the whole of Europe.
What we do
Innovative solutions
We create insurance products designed to meet everyday customer needs, from travel to healthcare and almost anything in between. Innovative insurance solutions, tailored to your market.
Full administration
End-to-end back-office services across the insurance lifecycle
Claims handling
Structured and efficient claims management from reporting to payment
Partner coordination
Collaboration with leading international insurance providers
Built for scale.
Designed for simplicity.
At Iute, insurance is not just another product. Our policies are designed with a customer first approach, matching offers and solutions to market needs, creating groundbreaking insurance innovations in our target countries.
Iute Affinity ensures these services are standardized, compliant, and scalable across markets.
Third-party administration, end-to-end.
Operational services supporting the full insurance lifecycle
Insurance administration
- Automated underwriting
- Policy issuance (digital and paper)
- Document management and archiving
- Portfolio management
- Premium and commission settlement
- Reporting and analytics
- User management and training
- Customer service
Claims handling
- Online claims reporting
- Documentation collection and management
- Claims assessment and handling
- Claims payment processing
- Reporting and performance tracking
Developing insurance according to customer needs
Iute Affinity supports the development of affinity and bancassurance business across Iute markets, aligning insurance solutions with commercial, regulatory, and customer requirements.
- Strategy and business development
- Product and proposition design
- Governance and oversight
- Risk and compliance alignment
- Training and capacity building
- Digital enablement
- Performance monitoring
Working with leading insurance partners
We collaborate with international insurance and service providers to deliver reliable, scalable protection solutions across markets.
Milestones
2026
May
Launch of Combined Loan Protection and Travel Insurance Offering in Albania
Enhanced the protection portfolio with the introduction of an integrated Loan Protection and Travel Insurance solution.
2026
May
Launch of IuteCare in North Macedonia
Expanded IuteCare to North Macedonia, broadening access to affordable lifestyle and health protection services.
2026
April
Launch of Free Home Insurance Campaign
Rolled out a Group-wide campaign offering a complimentary one-year home insurance policy across all Iute markets.
2026
February
Launch of IuteCare in Albania
Introduced IuteCare — an affordable subscription-based protection package offering everyday lifestyle and health coverage for a low annual fee.
2026
February
Launch of Loan Protection Insurance in North Macedonia
Expanded the insurance portfolio with the introduction of Loan Protection Insurance in North Macedonia.
2026
February
Launch of Albania's First Fully Digital Insurance Service
Introduced the first fully digital insurance service in Albania in partnership with Allianz Partners.
2025
November
Establishment of Iute Affinity
Iute Affinity was established to support the Group's strategic ambition of delivering scalable protection solutions alongside its core financial products.
Experienced leadership
Iute Affinity is led by Alma Ribanovic, with over 20 years of experience in banking, insurance, and strategic partnerships, including affinity and bancassurance models across digital and traditional channels.
Part of Iute Group's ecosystem
Headquartered in Estonia, Iute Affinity operates across Southeast Europe, supporting Iute Group markets with centralized expertise and infrastructure, with additional presence in Vienna and Budapest.
Let's build insurance into the customer journey
Iute Affinity connects partners, technology, and operations to make insurance a seamless part of digital financial services.
Contact usNewsroom
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