Los Angeles tadpoles (Photo: Tad Motoyama/AP) (Photo: Tad Motoyama/AP)

Many insurtech companies are following a similar strategy: Helping big, traditional insurers and reinsurers increase sales.

Three recent tadpole-frog alliance announcements involve partnerships between Collective Health and Sun Life’s stop-loss unit, between  Envestnet Inc.’s new insurance exchange and Global Atlantic Financial Group, and between ONE and Munich Re.

(Related: VC Funding Drives Fintech Investment Surge in Q2: KPMG)

Here’s a look at the combinations.

Collective Health/Sun Life

Collective Health, a San Francisco-based company that already had funding from Sun Life, says it will add an integrated stop-loss coverage program, created with stop-loss coverage from Sun Life, to its Workforce Health Management System.

The Workforce Health Management System offers plan management tools for employers with self-funded health plans.

Many U.S. employers that self-insure use stop-loss insurance, or insurance for health plans, to protect themselves against catastrophic risk.

Collective Health and Sun Life say their new integrated stop-loss program will give employers information about employees who are at high risk of incurring high claims, and help employers control the cost of those claims.

Employers that sign up for the integrated stop-loss program will get new types of claim reports, access to a nurse consultant team, and automatic stop-loss reimbursement for eligible high-cost claims.

The nurse consultants may be able to find problems in patients’ bills and recommend ways to improve the quality, and cut the cost, of care, Collective Health says.

Collective Health was founded in 2013. It has about 30 large employer clients with 120,000 covered lives.

Collective Health is already selling the integrated stop-loss program.

The first programs sold will come to life starting Jan. 1, 2019, according to Collective Health and Sun Life.

Global Atlantic/Envestnet Insurance Exchange

Envestnet, a New York-based company with a large wealth management platform, will be adding traditional fixed-rate annuities and indexed annuities from units of Global Atlantic to its new Envestnet Insurance Exchange.

Advisors who use Envestnet’s platform for other financial services products will be able to use the new insurance exchange to offer life insurance policies and annuities.

Global Atlantic says it will be the first company to offer annuities through the exchange.

Fiduciary Exchange LLC is developing and managing the insurance exchange for Envestnet.

Global Atlantic says Envestnet users will need an insurance license to offer the insurance products themselves.

Envestnet will also provide an extra service, the Guidance Desk, to help registered investment advisors who lack insurance licenses themselves arrange for clients to get covered. The Guidance Desk service is still in development, Global Atlantic says.

ONE Insurance/Munich Re

The Collective Health integrated stop-loss program and the Envestnet insurance exchange are new operations inside established companies.

ONE is a true startup.

The Berlin-based company came to life in February, with the goal of helping carriers monitor the activities of individual insured customers in real time.

ONE is starting out by offering household and liability insurance, but the ONE personal risk measurement system could be of interest to life and health insurers.

ONE is offering insurance products with reinsurance backing from Munich Re.

ONE is using smart phones to help policyholders calculate their risk scores, based on reports from phone location sensors and motion sensors. Keeping the risk scores low can help the insureds keep the premiums low, ONE says.

ONE says its system will help customers see how individual lifestyle choices affect their risk assessment scores. The system will show, for example, where the insureds really are when they go on vacation, and how that affects the insureds’ risk scores.

ONE says it plans to add insurance products aimed business and leisure travelers soon.

— Read S&P Panelists: Insurance Industry Is ‘Ripe for Disruption’on ThinkAdvisor.

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