Aflac

400F Inc. is a Tokyo-based company that specializes in developing money management and consultancy software solutions. Founded in 2017, it operates as a subsidiary of MoneyTech Design Co., Ltd. The company offers an application-based investment advisory platform designed to address financial issues faced by individuals. Users can consult with experts about their financial concerns at no cost, after providing basic information such as household budget and family structure. This platform not only diagnoses the extent of their financial challenges but also serves as a media resource, delivering knowledge and strategies on topics ranging from savings techniques to asset management. Through its services, 400F aims to enhance the financial well-being of its users.

Tree Line Capital Partners, LLC is a private equity firm based in San Francisco, California, with additional offices in New York, Austin, and Malibu. Founded in 2014, the firm specializes in direct lending and investment strategies, focusing on lower middle-market companies across various sectors, including consumer goods, niche manufacturing, software, health care, and financial services. Tree Line Capital Partners typically engages in acquisitions, refinancing, and growth capital, offering financing solutions such as senior secured loans, unitranche term loans, and mezzanine financing. The firm aims to invest in companies with EBITDA ranging from $3 million to $30 million, with investment sizes between $5 million and $150 million. Tree Line seeks to build strong partnerships with management teams to understand their operations, enabling tailored credit solutions and fostering mutual benefits throughout economic cycles. The firm generally looks to exit its investments within three to six years.

Ushur, Inc. is a cloud-based automation platform that specializes in enhancing customer engagement through automated service workflows and conversational interfaces. Founded in 2014 and headquartered in Santa Clara, California, with an office in Bengaluru, India, Ushur offers a range of intelligent automation solutions. These include the Ushur Virtual Customer Assistant, which automates proactive communications with customers across various channels, and Ushur SmartMail, designed for efficient processing of high volumes of emails from customers, agents, and brokers. The Ushur Flowbuilder is a no-code web-based tool that allows teams to create and manage digital customer engagements, thereby improving business agility and the overall customer experience. By integrating technologies such as Robotic Process Automation (RPA) and Language Intelligence Service Architecture (LISA), Ushur streamlines processes in sectors such as insurance, finance, telecommunications, and customer service, facilitating faster claims processing, customer support, and billing.

Rehab for Japan Co., Ltd. is a Tokyo-based company that specializes in providing Software-as-a-Service (SaaS) solutions for nursing care facilities. Established in 2016, the company focuses on developing a unique rehabilitation platform specifically designed for day service operations. Through its cloud support services, Rehab for Japan aims to enhance the efficiency and effectiveness of rehabilitation processes in nursing care establishments, addressing the growing demand for innovative healthcare solutions in the region.

TCARE, Inc. is a company that specializes in developing a caregiver support software-as-a-service (SaaS) solution aimed at preventing family caregiver burnout. Founded in 2017 and based in Saint Louis, Missouri, TCARE offers a cloud-based technology suite that allows care professionals to assess risk factors associated with caregiver burnout and implement timely interventions. Its platform serves various stakeholders, including organizations, care professionals, and family caregivers across the United States. By providing an evidence-based support program, TCARE not only aids in delaying or preventing nursing home placements but also helps reduce long-term care claims for Medicaid and life insurance carriers.

PhableCare creates an ecosystem of patients, doctors, hospitals, health devices, insurance, and patient care service providers. In India, 1 in 4 people suffer from chronic ailments. Meanwhile, 80% of patients cannot comply to the treatment plan provided by the doctor leading to even more complications. This poses a huge burden on the healthcare system. Phable solves this by making care autonomous and predictive. Our AI-enabled health assistant significantly improves health outcomes by enabling disease-specific guidance and continuous monitoring.

Covr Financial Technologies, Inc. is a digitally enabled brokerage general agency based in Boise, Idaho, founded in 2013. The company specializes in providing life, long-term care, and disability insurance solutions tailored for financial institutions, advisors, and their clients. Covr offers a suite of digital platforms, including Covr Advisor, which helps financial advisors meet their clients' insurance needs by selecting appropriate products; Covr Consumer, which allows banks and credit unions to sell life insurance directly to customers; and Covr Insights, a tool for managing and analyzing existing life insurance policies. The company serves over 24,000 financial advisors and 13 million customers across 30 financial institutions, facilitating a simplified and efficient sales process for life insurance products.

Pendella is a technology company that offers a cloud-based platform for individual life and disability insurance, aiming to make financial protection accessible to everyone, regardless of age, health, or income. Its full-stack, enterprise solution utilizes artificial intelligence and big data to automate the underwriting process, allowing consumers to purchase insurance policies online in minutes without the need for paperwork or medical exams. By partnering with top-rated insurance carriers and distributors, Pendella provides a seamless, customizable experience that enhances accessibility and affordability in the insurance market.

BondCliQ Inc. is a company focused on enhancing the corporate bond market in the United States through the development of a central market system. Founded in 2015 and based in New York, the company offers both pre-trade and post-trade services aimed at improving institutional trading in the credit market. Its platform facilitates access to essential institutional pricing data and post-trade information, thereby supporting bond traders in achieving better liquidity and market conditions. By addressing the needs of various market participants, including buy-side and sell-side entities, as well as regulators, BondCliQ aims to create a more efficient and transparent trading environment for corporate bonds.

Craif Inc., previously known as Icaria Inc., is a Tokyo-based company founded in 2018 that specializes in developing innovative devices for early cancer detection through urine tests. The company's flagship product is a MicroRNA device that serves as a biomarker for identifying early-stage cancers. Craif aims to revolutionize cancer diagnosis by providing a method that is painless, accurate, and suitable for regular screening, addressing the critical need for early detection in order to significantly improve survival rates. Traditional cancer diagnostic methods often involve discomfort and lack the precision required for early-stage identification, which can lead to late-stage diagnoses when treatment options are limited. Craif's technology leverages exosome-based liquid biopsy tests that analyze ribonucleic acid, allowing for high sensitivity and specificity in distinguishing cancerous from non-cancerous samples.

Pendella is a technology company that offers a cloud-based platform for individual life and disability insurance, aiming to make financial protection accessible to everyone, regardless of age, health, or income. Its full-stack, enterprise solution utilizes artificial intelligence and big data to automate the underwriting process, allowing consumers to purchase insurance policies online in minutes without the need for paperwork or medical exams. By partnering with top-rated insurance carriers and distributors, Pendella provides a seamless, customizable experience that enhances accessibility and affordability in the insurance market.

Founded in Thailand in 2017, Sunday is the first full-stack InsurTech group adopting data models and technology to offer multiple insurance products and services across the entire customer journey. The company provides auto insurance, health insurance, and travel insurance. Sunday reinvents the entire insurance offering and experience to ensure that customers' needs are met anytime, anywhere.

MNES develos medical technology designed to provide real-time medical care. The company has developed a platform that connects doctors with doctors, medical institutions and communities, share the physical condition (medical image) in real-time and expand communication between doctors.

Chikaku Inc. is a Tokyo-based company established in 2014 that specializes in manufacturing electronic devices designed to connect remote family members. Its primary product is a setup box that facilitates the seamless transfer of photos and videos taken with smartphones directly to a television. This device allows grandparents and other family members living far apart to easily view and engage with content shared by their loved ones, thereby enhancing family connections despite physical distance.

CellMax Life is a biotechnology company focused on transforming early cancer detection and prevention through innovative diagnostics. Founded in 2013 and headquartered in California, the company operates offices in Silicon Valley and Taiwan. Its primary offering is a clinically validated blood test designed to identify cancer at its earliest stages, utilizing a proprietary platform that includes a microfluidic chip, antibodies, and imaging software. This technology addresses the significant challenge of detecting rare circulating tumor cells in pre-cancer and early-stage patients, enabling timely diagnosis through affordable biopsy tests before symptoms appear. Funded by a U.S. venture capital firm and supported by technology industrialists in Taiwan, CellMax Life is committed to improving patient outcomes through early intervention.

ExaWizards is an artificial intelligence startup focused on addressing social issues through innovative technological solutions. The company develops AI-enabled services aimed at enhancing various sectors, including medicine, healthcare, education, finance, and robotics. One of its primary objectives is to improve the quality of care for dementia patients while also supporting new caregivers in delivering effective assistance. By fostering partnerships with other organizations, ExaWizards accelerates business growth across multiple fields, leveraging AI technology to drive industrial innovation and tackle pressing social challenges.

Candidly is an AI-driven student debt and savings optimization platform. It offers individuals and families through every step of the planning, borrowing, and repayment experience.

Health Gorilla, Inc. is a California-based company that provides an interoperability solution designed to facilitate the sharing and aggregation of patient data among various stakeholders in the healthcare ecosystem, including patients, payers, providers, digital health solutions, and laboratories. The company's platform enables healthcare organizations to connect, aggregate clinical data, place clinical orders, and receive real-time notifications, while empowering patients with access to their aggregated personal health information. As a Federally Qualified Health Information Network and California Qualified Health Information Organization, Health Gorilla is committed to promoting national clinical interoperability in compliance with the Cures Act and the Trusted Exchange Framework Common Agreement (TEFCA). Established in 2011 and formerly known as Informedika, Inc., Health Gorilla aims to enhance the accessibility and usability of patient-centric data for health organizations and developers.

Ushur, Inc. is a cloud-based automation platform that specializes in enhancing customer engagement through automated service workflows and conversational interfaces. Founded in 2014 and headquartered in Santa Clara, California, with an office in Bengaluru, India, Ushur offers a range of intelligent automation solutions. These include the Ushur Virtual Customer Assistant, which automates proactive communications with customers across various channels, and Ushur SmartMail, designed for efficient processing of high volumes of emails from customers, agents, and brokers. The Ushur Flowbuilder is a no-code web-based tool that allows teams to create and manage digital customer engagements, thereby improving business agility and the overall customer experience. By integrating technologies such as Robotic Process Automation (RPA) and Language Intelligence Service Architecture (LISA), Ushur streamlines processes in sectors such as insurance, finance, telecommunications, and customer service, facilitating faster claims processing, customer support, and billing.

Genomedia Inc. is a Tokyo-based company that specializes in genomic information analysis services. Founded in 2013, it offers comprehensive support throughout the genomic analysis process, from sample preparation to report generation. The company develops essential software and tools for genomic analysis, including integrated data management systems that compile information from public databases and clinical trials. By providing solutions for drug, mutation, and clinical trial matching, Genomedia enables medical institutions to efficiently interpret complex genetic test results and make genetic information more accessible for various applications.

ACT Genomics is a cancer molecular information service company that specializes in transforming cancer genomic information into precision diagnostics and personalized treatment strategies. With a team of experts experienced in oncology, cancer genomics, and bioinformatics, the company utilizes next-generation sequencing and multiplex molecular testing to provide comprehensive tumor profiling. This approach enables oncologists to identify specific genetic alterations that drive tumor development and influence treatment responses. By leveraging advanced bioinformatics tools and curated proprietary databases, ACT Genomics aims to enhance the effectiveness of cancer treatments and improve patient outcomes. The company’s services reflect a growing trend in oncology, where understanding the unique molecular characteristics of a patient's cancer is essential for developing tailored treatment plans.

TCARE, Inc. is a company that specializes in developing a caregiver support software-as-a-service (SaaS) solution aimed at preventing family caregiver burnout. Founded in 2017 and based in Saint Louis, Missouri, TCARE offers a cloud-based technology suite that allows care professionals to assess risk factors associated with caregiver burnout and implement timely interventions. Its platform serves various stakeholders, including organizations, care professionals, and family caregivers across the United States. By providing an evidence-based support program, TCARE not only aids in delaying or preventing nursing home placements but also helps reduce long-term care claims for Medicaid and life insurance carriers.

Pagaya is a financial technology company that is transforming the asset management and lending marketplaces through the use of machine learning and big data analytics. It focuses on managing institutional money, particularly in fixed income and alternative credit, offering discretionary funds to institutions such as pension funds, insurance companies, and banks. Pagaya utilizes its proprietary technology platform, Pagaya Pulse, which employs advanced artificial intelligence algorithms to enhance performance and scalability. Additionally, Pagaya aims to improve the credit industry by providing a comprehensive solution that enhances customer experience and accessibility to credit, integrating seamlessly into its network of partners through a proprietary API. The company primarily generates its revenue from the United States.

Craif Inc., previously known as Icaria Inc., is a Tokyo-based company founded in 2018 that specializes in developing innovative devices for early cancer detection through urine tests. The company's flagship product is a MicroRNA device that serves as a biomarker for identifying early-stage cancers. Craif aims to revolutionize cancer diagnosis by providing a method that is painless, accurate, and suitable for regular screening, addressing the critical need for early detection in order to significantly improve survival rates. Traditional cancer diagnostic methods often involve discomfort and lack the precision required for early-stage identification, which can lead to late-stage diagnoses when treatment options are limited. Craif's technology leverages exosome-based liquid biopsy tests that analyze ribonucleic acid, allowing for high sensitivity and specificity in distinguishing cancerous from non-cancerous samples.

Covr Financial Technologies, Inc. is a digitally enabled brokerage general agency based in Boise, Idaho, founded in 2013. The company specializes in providing life, long-term care, and disability insurance solutions tailored for financial institutions, advisors, and their clients. Covr offers a suite of digital platforms, including Covr Advisor, which helps financial advisors meet their clients' insurance needs by selecting appropriate products; Covr Consumer, which allows banks and credit unions to sell life insurance directly to customers; and Covr Insights, a tool for managing and analyzing existing life insurance policies. The company serves over 24,000 financial advisors and 13 million customers across 30 financial institutions, facilitating a simplified and efficient sales process for life insurance products.

Mental Health Technologies is a company that provides standard measures to maintain the mental health of employees, which is one of the foundations of health management.

FamiOne, Inc. is a Tokyo-based company established in 2015 that focuses on providing an online content platform aimed at assisting couples with family planning. The company offers a range of services, including FLIPP, a tailored package for women that includes personal services, supplements, food, and monthly books for pre- and post-pregnancy support. FamiOne also features a membership-based online community that offers consultations on pregnancy and infertility issues, connecting users with fertility specialists, such as certified infertility nurses, clinical psychologists, and midwives. Additionally, the company operates a media site called famit, which provides valuable information and resources related to family planning, fertility, and infertility treatments, fostering informed decision-making for couples on their journey to parenthood.

Tricog Health specializes in developing advanced cardiac diagnostic tools aimed at addressing cardiovascular conditions with precision and timeliness. Utilizing medical-grade artificial intelligence, Tricog's solutions facilitate real-time reporting and analysis of electrocardiography results, enabling healthcare providers to identify cardiac issues quickly and accurately. The company focuses on bridging gaps in cardiac care infrastructure, expertise, and efficiency, ensuring that patients receive prompt diagnoses and timely interventions. Tricog is dedicated to enhancing cardiac care accessibility by providing virtual diagnostic tools and services, thereby supporting healthcare professionals in delivering reliable and consistent patient care.

Cellspect is a biotechnology company focused on developing biomarker-sensing technology and in-vitro diagnostic agents aimed at improving the prognosis of endometriosis progression. The company creates analytical instruments and medical devices designed for point-of-care testing, facilitating timely diagnosis and treatment. By leveraging cloud technology, Cellspect enables the seamless sharing of diagnostic results, allowing patients to receive prompt and appropriate consultations regarding endometriosis and cancer treatment. This innovative approach aims to enhance the transition from clinical settings to health tech markets, ultimately contributing to better patient outcomes.

Sharecare, Inc. is a digital health company that offers an online health and wellness engagement platform aimed at helping individuals manage their health comprehensively. Founded in 2009 and based in Atlanta, Georgia, Sharecare connects users to a variety of health resources and programs, allowing them to unify and navigate their health journey seamlessly. The platform features tools such as YOU, which provides visual context for understanding health conditions, and AskMD, a symptom checker offering personalized guidance. Sharecare's solutions encompass areas including chronic disease management, mental health, and preventive care, making it easier for users to engage with their health on a daily basis. By fostering a supportive environment for individuals, healthcare providers, and organizations, Sharecare promotes positive behavior change and enhances access to quality care.

Sensely is a company that develops a conversational platform aimed at enhancing the experience of insurance plan members and patients. By utilizing avatar and chatbot technology, Sensely's platform provides virtual assistant solutions for insurance companies, pharmaceutical clients, and hospital systems globally. This innovative approach allows enterprises to engage with their members in a more meaningful way, merging the empathy inherent in human conversation with the efficiency and scalability offered by technology. Through this platform, Sensely seeks to improve brand preference and influence user behavior, ultimately transforming the way healthcare organizations interact with their stakeholders.

KAKEHASHI Inc. is a Tokyo-based company founded in 2016 that develops a software as a service (SaaS) application tailored for health insurance claim and drug history management, specifically designed for dispensing pharmacists using iPads. The company aims to bridge the gap between medical treatment and patients, reflecting its mission to connect medical care with a brighter future. As Japan faces an aging population, with projections indicating that by 2060, one in four individuals will be over 75 years old, KAKEHASHI seeks to innovate and enhance healthcare delivery. The organization's focus on leveraging Japan's advanced medical technology and systems aligns with the need for effective solutions that support healthy life expectancy in an increasingly elderly society.

ReasonWhy Inc. is a Japan-based company founded on July 7, 2011, that specializes in healthcare IT services. The company offers four main services: Whytlink, a social network designed for doctors; Findme, an online second-opinion service that connects patients with doctors from the Whytlink network; WhytPlot, a big-data analysis tool aimed at pharmaceutical manufacturers in Japan; and yourHospital, a search engine that helps users find specialist hospitals. Through these services, ReasonWhy seeks to enhance communication and information sharing within the medical community while improving patient access to healthcare resources.

Cellspect is a biotechnology company focused on developing biomarker-sensing technology and in-vitro diagnostic agents aimed at improving the prognosis of endometriosis progression. The company creates analytical instruments and medical devices designed for point-of-care testing, facilitating timely diagnosis and treatment. By leveraging cloud technology, Cellspect enables the seamless sharing of diagnostic results, allowing patients to receive prompt and appropriate consultations regarding endometriosis and cancer treatment. This innovative approach aims to enhance the transition from clinical settings to health tech markets, ultimately contributing to better patient outcomes.

Lily MedTech Inc. is a Tokyo-based company founded in 2016 that specializes in developing and manufacturing medical devices for breast cancer diagnosis. The company focuses on creating innovative ultrasound diagnostic imaging equipment, specifically a ring echo device that utilizes a ring-type ultrasonic transducer to produce 3D images of the entire breast. This approach allows for a non-deforming examination, which minimizes pain and reduces exposure risks for patients during the diagnostic process. Through its advancements in breast ultrasound technology, Lily MedTech aims to enhance the accuracy and comfort of breast cancer detection for both patients and healthcare providers.

CoverHound, Inc., operating as CoverHound Insurance Solutions, is a technology company based in San Francisco, California, that provides a comparison shopping platform for car and property insurance. Founded in 2010, CoverHound connects consumers with national insurance carriers and local agents, allowing them to compare accurate rates and find policies that suit their individual needs. The platform is designed to offer transparent access to insurance options, providing smart recommendations and personalized quotes without spamming users. With a focus on user control and data privacy, CoverHound facilitates a seamless experience for customers seeking to shop for and purchase insurance.

Limelight Health, Inc. specializes in developing a cloud-based platform designed to streamline quoting, underwriting, and proposal processes within the employee benefits sector. The platform supports health insurance carriers, general agents, and brokers by automating manual workflows, enhancing sales efficiency, and facilitating plan distribution. It offers a suite of configurable microservices, including quoting, rating, proposal generation, renewals, and data analysis, which enable users to manage their operations more effectively. Additionally, the platform features an integrated API to ensure seamless connectivity with various industry systems, allowing for comprehensive integration across different functions. Founded in 2014 and headquartered in San Francisco, California, Limelight Health operates additional offices in Redding, California, and Des Moines, Iowa, and is a subsidiary of FINEOS Corporation Holdings plc.

Singapore Life is a digital life insurance provider based in Singapore that offers a range of insurance solutions tailored for both high net worth individuals and the retail market. The company specializes in universal life policies designed for those seeking to safeguard their wealth within the Singapore regulatory framework. Singapore Life enhances the insurance purchasing experience by utilizing InsurTech innovations, making it easier for customers to access protection solutions both online and through financial advisers. Additionally, the company operates as an insurance brokerage, providing policy quotes from various distributors and offering investment solutions and debit cards. This approach empowers clients to take control of their financial well-being at every stage of their lives.

Oishi Kenko Inc., founded in 2016 and headquartered in Tokyo, Japan, focuses on promoting health through food. The company publishes films that emphasize cooking, the wisdom of living, and the significance of maintaining a healthy mind. Additionally, Oishi Kenko provides a recipe search and menu creation service, which is supervised by registered dietitians, aimed at preventing and managing diseases while supporting dietary needs. By integrating culinary arts with health awareness, Oishi Kenko seeks to make healthy eating both enjoyable and accessible.

Reply.ai is a developer of a customer experience platform that aims to enhance customer service efficiency by automating repetitive tasks. The company's software provides instant and personalized responses across various communication channels, allowing businesses to serve customers at scale. By leveraging AI-powered solutions, Reply.ai helps organizations address common customer inquiries through chat and ticketing systems, ultimately saving time and reducing operational costs. The platform's core offerings, Deflect for Ticketing and Deflect for Chat, are designed to alleviate consumer frustration while ensuring round-the-clock support, thereby improving the overall customer experience.

Picwell Inc. operates an online predictive recommendation engine that assists consumers in selecting appropriate health plans. By analyzing lifestyle, behavioral, and financial data alongside health claims, the company forecasts individual healthcare needs. Founded in 2013 and based in Philadelphia, Pennsylvania, Picwell serves a diverse range of clients, including exchanges, benefit platforms, agents, brokers, retail pharmacies, and employers. Its software streamlines the benefits purchasing process, enabling users to confidently choose plans based on future care considerations and estimated out-of-pocket expenses. This approach not only aids consumers in making informed decisions but also enhances efficiency and cost-effectiveness for businesses involved in selling health plans.

Tomorrow Ideas, Inc. specializes in developing an application aimed at safeguarding families' financial futures. The app offers a range of features, including tools for creating a last will and testament, establishing a revocable living trust, and setting up guardianship for children and pets. Additionally, it includes calculators for net worth and life insurance, a comparison of term life insurance options, and provides a complimentary insurance policy. The application is accessible on both iOS and Android platforms. Founded in 2015 and headquartered in Seattle, Washington, Tomorrow Ideas is committed to helping families navigate important financial decisions.

NXT Capital is a structured financing provider focused on the U.S. middle market, founded in 2010 and headquartered in Chicago. As a wholly-owned subsidiary of ORIX Corporation USA, NXT Capital specializes in offering a range of financing solutions through its Corporate Finance and Real Estate Finance divisions. The company has successfully originated over $18 billion across more than 600 transactions, leveraging its extensive experience in the lower-middle market. With approximately $11.4 billion in committed capital, NXT Capital serves a diverse investor base, including public and private pension plans, insurance companies, endowments, and foundations, by providing access to primarily first lien senior secured loans. The firm’s senior management team has a long-standing history in middle-market direct lending, having worked together for over 25 years and navigating multiple credit cycles. NXT Capital maintains a strong presence with offices in several major U.S. cities, including Atlanta, Dallas, Los Angeles, Nashville, New York, and Phoenix.

Medical Note Inc. is a Japan-based company founded in 2014 that operates a healthcare platform dedicated to connecting doctors and patients. The platform serves as a comprehensive source of medical information, offering easy-to-understand content on diseases, symptoms, and treatment options, curated by a team of medical specialists and healthcare professionals. It aims to provide accessible and reliable information to those seeking guidance on their health conditions, facilitating consultations and inquiries regarding medical issues. By collaborating with academic societies, Medical Note enhances the quality of information shared, ensuring patients receive accurate and helpful insights.

MRSO, Inc. is a Tokyo-based company founded in February 2015 that specializes in developing and operating a platform for reserving medical checkups in Japan. The company offers a comprehensive healthcare portal that provides users with information about medical services, enabling them to select suitable healthcare facilities and make reservations for various medical examinations, including preventive checkups and cancer screenings. MRSO also delivers vertical SaaS solutions tailored for medical institutions, government entities, and corporations, supporting administrative digital transformation (DX) services. These services include facilitating health checkup and vaccination reservations for local governments across diverse regions and population sizes, positioning MRSO as a leader in the preventive medical platform sector.

Wellthie Inc. is an insurance technology company based in New York, founded in 2013, that aims to modernize the insurance shopping experience. It provides a cloud-based e-commerce platform designed to simplify the distribution of insurance for small businesses and individuals. Wellthie's platform features tools for broker and carrier shopping, including medical and ancillary quotes, a broker management dashboard, modeling and scenario planning, and custom client proposals. Additionally, it offers a national small group benefits marketplace that helps brokers optimize sales and allows carriers to enhance product distribution. By delivering an intuitive shopping experience, Wellthie enables insurance professionals to increase sales across various insurance lines while assisting small businesses in finding suitable health insurance options online.

Empowered Benefits, a subsidiary of Aflac Benefits Advisors, Inc. since October 2015, specializes in providing benefits administration software aimed at simplifying the insurance enrollment process. Founded in 2000, the company recognized the challenges faced by brokers, HR managers, and employees in navigating complex insurance systems. By focusing on a user-friendly and transparent enrollment experience, Empowered Benefits has developed solutions that allow individuals to easily select the best benefits for themselves and their families. The company has consistently prioritized customer needs, positioning itself as a leader in the benefits administration sector.

Continental American Insurance Company (CAIC), originally established in 1980 as Carolina Continental Insurance Company, specializes in providing voluntary group insurance products designed to offer personal and family protection to working Americans. The company’s offerings include critical illness, accident, life, and disability income insurance, along with benefits consulting, enrollment services, and employee communication. CAIC distributes its products through insurance brokers at the worksite, ensuring accessibility for employees. The company has received an A- (Excellent) rating from A.M. Best, reflecting its financial stability. In recent years, CAIC's financial performance has been consolidated under the Aflac U.S. reporting segment for Aflac Incorporated and subsidiaries, indicating its integration within a larger insurance framework.

Authoria, Inc. provides integrated talent management software, performance management, recruiting software, and compensation management software. Its products provide talent management solutions that help companies to recruit, develop, compensate, retain, and engage employees. The company’s products include recruiting, performance, incentive, salary, succession planning, and communications software. Authoria was formerly known as Foundation Technologies, Inc. and changed its name to Authoria, Inc. in 1999. The company was founded in 1997 and is headquartered in Waltham, Massachusetts with additional offices in Austin, Texas; Santa Barbara, California; and Bangalore, India.