muffintech

muffintech is a Berlin-based insurtech that develops generative AI software for the insurance industry. Its core product is a conversational AI assistant built on a large language model specialised for insurance, which is offered both to insurance companies and to intermediaries. The system is described as modular, so that a standardised core can be adapted to an individual customer's requirements, and it is designed to integrate with a company's internal systems in order to automate workflows.

Use cases span the sales cycle. In sales enablement, the assistant answers broker and internal team questions around the clock, supplying product details and clarifying exclusions and special terms, which reduces the load on support desks. In direct sales and lead generation, the bot replaces static landing pages with a conversational interface that answers questions, asks follow-ups, qualifies leads by interest and suitability, and lets pre-qualified prospects book appointments while passing preparation notes to the broker; customers can also receive explanations and personalised offers in chat. In after-sales, the bot handles common service requests and supports cross-selling through digital or postal outreach that routes customers to the assistant via link or QR code.

A broker-facing product, muffinGPT, is marketed separately as a generative AI assistant that provides insurance knowledge to intermediaries in their daily work with the aim of increasing closings and improving client relationships. The company positions data protection as a design principle, stating that its technology processes and generates responses without transferring a customer's sensitive or internal data to a third party."]

Founding story

muffintech was founded in 2021 in Berlin by a team with prior careers in insurance. Reporting on the 2025 funding round names the founders as Simon Moser, Tomas Gan, Felix Koepp and Elli Wolf. CEO Simon Moser worked part-time as an insurance broker while studying and later worked as a management consultant at Capgemini and in startup leadership roles focused on innovation and process optimisation. CTO Elli Wolf began programming at 12, built an AI system at 14, holds a bachelor's degree in software engineering, specialised in generative AI in modular artificial networks and deep reinforcement learning, previously served as CTO of a social enterprise and is an EXIST scholarship holder. CPO Faye Koepp focuses on product development and design for AI-driven products.

Business model

muffintech sells AI software to insurance companies, insurers, brokers and broker pools, with a self-service style sign-in for its muffinGPT product for intermediaries and a demo-request path for enterprise customers.

Traction

The company states its AI solutions are already in use by brokers, broker pools and insurance companies. Its assistant is pre-trained on over 30,000 insurance conversations and passed the German §34d examination with 98% correct answers. The company has received recognition at ITC DIA Amsterdam 2024, the KPMG Digital Insurance Award 2024 in Hamburg and an audience prize at the FintechWorld24 startup pitch in Berlin, and it graduated from German Accelerator's Southeast Asia Market Access program in Singapore.

Latest developments

In February 2025 muffintech announced €3.5m in funding led by ff Venture Capital and Techstars, with angel participation from senior insurance figures and an additional €800k from Investitionsbank Berlin's IBB Pro FIT programme, earmarked for scaling its AI capabilities and expanding market presence. Subsequent trade press items listed by the company cover AI deployment planned for intermediaries and OVB's intention to push AI in sales.