Top industries positioned to win in the growing embedded insurance market

The embedded insurance market is no longer emerging; it’s expanding rapidly. Valued at roughly $143.9 billion in 2025, it’s projected to soar to $802.57 billion by 2032, growing at a 27.8% CAGR. This isn’t abstract industry hype; it signals that the future of financial services, lending and property ecosystems will be defined by who moves first.

Businesses that fail to embed insurance solutions today risk losing customers, loyalty and long-term revenue to competitors that already have. For fintechs, mortgage lenders, real estate platforms and many other industries, this is no longer about innovation; it’s about survival.

Embedded insurance becomes essential for digital ecosystems

In the same way digital payments and ID verification became standard features in online commerce, embedded insurance is fast becoming a baseline expectation in financial and property transactions. Customers increasingly want coverage options presented where and when they make high-stakes decisions, not after the fact.

Embedded insurance solutions integrate with partner ecosystems, allowing users to compare, quote and bind policies within familiar digital experiences. For businesses this represents a dual opportunity to improve customer satisfaction while unlocking new revenue streams tied to moments of intent.

VIU by HUB makes that integration simple. Its Brokerage-as-a-Service (BRaaS) model delivers full-service brokerage capabilities including multi-carrier choice and licensed guidance without requiring partners to build or manage their own insurance infrastructure.

The result is a turnkey embedded insurance solution that meets regulatory requirements, scales seamlessly and strengthens customer trust from the first interaction.

The industries best positioned to win now

Across industries, companies that own the customer experience are best positioned to own the next era of insurance distribution. Three sectors stand to benefit most.

Fintechs building trust through embedded financial wellness

Fintechs thrive on simplifying complex financial decisions. Embedding insurance at key touchpoints such as account creation, lending or investment onboarding allows them to convert engagement into long-term value.

Why it matters: When customers secure coverage in-app, trust increases and churn decreases. Embedded insurance for fintechs complements existing personal finance ecosystems, helping platforms strengthen retention while diversifying revenue without increasing compliance risk.

Fintech leaders that integrate now can position themselves as holistic protectors of customer wellbeing, not just managers of money.

Mortgage lenders and servicers extend relationships beyond closing

Mortgage closings represent one of the highest-intent moments in a customer’s financial life. For both lenders and servicers, embedded insurance is more than a checklist requirement; it offers a way to support customers through the entire homeownership journey.

Providing insurance options through a licensed embedded partner like VIU by HUB gives borrowers an easy way to compare and secure coverage before move-in. And unlike a loan, which may only occur once or twice in a lifetime, insurance renews annually. That continuity creates recurring engagement, deeper customer relationships and steady diversification opportunities.

This ongoing connection is especially valuable in a market influenced by interest-rate cycles. Embedded insurance gives lenders and servicers a non-rate-sensitive revenue stream, strengthening the stability of their business even when origination volumes shift.

Real estate platforms add value and recurring revenue

Real estate companies help customers navigate one of the most emotional and financially significant moments of their lives. By embedding insurance directly into the home-buying or renting journey, they can become long-term partners in protection rather than one-time transaction points.

When customers can easily explore and compare coverage options while closing on a property, trust grows and loyalty follows. Embedded insurance helps real estate brands strengthen engagement with customers, creating recurring relationships and sustained revenue potential.

In today’s competitive housing market, the real estate organizations that link every transaction to protection will win loyalty, retention and brand distinction.

What makes VIU by HUB different

Most insurance API integrations stop at the technical layer. VIU by HUB goes further by combining choice, insurance expertise and customer experience to deliver Brokerage-as-a-Service that feels effortless for partners and customers alike.

• Choice and transparency – Access to multiple carriers means customers can choose coverage that fits their unique needs, building confidence and brand trust.
• Industry expertise– With HUB International’s infrastructure behind us every integration is backed by the licensing, regulation and scalability enterprises need.
• Omnichannel experience – Customers can self-serve in our digital quote flow and connect with our licensed advisors for personalized guidance.

This balance of technology integration and human expertise differentiates VIU by HUB’s embedded insurance partnerships. It’s not about replacing advisors with algorithms; it’s about using technology to extend moments of human connection that build lasting relationships.

The future belongs to businesses that act fast

Market momentum doesn’t wait. As embedded insurance market growth accelerates, the businesses that delay integration will find themselves competing for customers already secured by others.

Fintechs, lenders and real estate ecosystems that partner with VIU by HUB today can embed insurance solutions that are compliant, scalable and designed to deepen customer engagement for years to come.

Start a conversation with VIU by HUB about embedding insurance into your customer journey.