Pathwork Raises $3.5M to Replace Decades-Old Insurance Workflows with AI

Pathwork 获得 350 万美元融资，用 AI 取代已有数十年历史的保险工作流程

The company's AI-native platform automates how life & health policies are sold, placed, and retained

公司的原生人工智能平台自动处理人寿与健康保险的销售、投放和保留方式。

SAN FRANCISCO, September 9, 2025-- Pathwork, an autonomous distribution platform modernizing the $160 billion life and health insurance market, has raised a $3.5 million seed round led by Costanoa, with participation from Logos Fund, American Family Ventures, Meridian Ventures, and prominent industry angels.

旧金山，2025年9月9日——Pathwork是一家自主分销平台，致力于现代化1600亿美元的生命与健康保险市场，该公司已筹集了350万美元的种子轮融资，由Costanoa领投，Logos Fund、American Family Ventures、Meridian Ventures以及知名行业天使投资人参与。

The funding will help accelerate adoption among brokers and carriers nationwide..

这笔资金将有助于加快全国经纪人和承运人的采用。

Life and health insurance touches millions of Americans, but the way policies are sold hasn't meaningfully changed in decades. Distribution remains fragmented, manual, and error-prone, leaving brokers bogged down by outdated software systems and left to chase paperwork and decipher underwriting rules.

人寿和健康保险涉及数百万美国人，但保单销售的方式几十年来没有发生实质性变化。分销渠道仍然分散、手动且容易出错，导致经纪人陷入过时的软件系统，忙于处理文书工作和解读核保规则。

In the U.S. alone, life and health premiums exceed $1.1 trillion annually, an enormous market where speed, accuracy and service make the difference..

仅在美国，人寿和健康保险费每年就超过 1.1 万亿美元，这是一个巨大的市场，速度、准确性和服务是关键的差异化因素。

Pathwork turns these complex, manual workflows into intelligent systems that help brokers and carriers move faster, quote more accurately, reduce costly back-and-forth, and deliver a better customer experience.

Pathwork 将这些复杂、手动的工作流程转化为智能系统，帮助经纪人和运营商加快速度、更准确地报价、减少昂贵的来回沟通，并提供更好的客户体验。

'The last 20 years of digitization made insurance distribution more complex, not less,' said Ian Levinsky, CEO and co-founder of Pathwork. 'AI will reimagine everything from how the work gets done to the tools professionals rely on. Pathwork is shaping this future so the people behind every policy can focus back on creating impact and building trust.'.

“过去20年的数字化使保险分销变得更加复杂，而不是更简单，”Pathwork首席执行官兼联合创始人伊恩·列文斯基表示。“人工智能将重新构想从工作方式到专业人士所依赖的工具等一切。Pathwork正在塑造这一未来，以便每份保单背后的人都能重新专注于创造影响和建立信任。”

Pathwork combines predictive and generative AI to create a seamless experience for brokers placing policies to carriers making the call. Its product suite includes:

Pathwork结合了预测性和生成性AI，为经纪人向承保人提交保单提供了无缝体验。其产品套件包括：

Case Underwriter: Automates the underwriting process by analyzing unstructured data, synthesizing applicant details, and surfacing the best-fit carrier options. It guides brokers from intake to placement in minutes.

案例承保人：通过分析非结构化数据、综合申请人详细信息并提供最合适的载体选项，实现承保流程的自动化。它引导经纪人从受理到安排仅需几分钟。

Knowledge Assistant: Acts as an on-demand expert, instantly answering questions about underwriting rules, product guidelines, and carrier nuances, all trained on insurance-specific data.

知识助手：充当按需专家，即时回答有关承保规则、产品指南和运营商细微差别的问题，全部基于保险特定数据进行训练。

Pre-App Manager: Helps insurance carriers evaluate incoming cases more efficiently by analyzing data to determine eligibility, requirements, and risk class.

预应用程序经理：通过分析数据来帮助保险公司更高效地评估 incoming 案件，以确定资格、要求和风险等级。

'Pathwork is exactly the kind of company we love to back,' said Mark Selcow, Partner at Costanoa. 'Its founders bring a rare combination of industry expertise and technical execution—having scaled a 300-agent digital insurance agency at EverQuote and led AI innovation in regulated markets at Litlingo.

“Pathwork正是我们喜欢支持的公司类型，”Costanoa合伙人马克·塞尔科表示。“其创始人带来了行业专业知识与技术执行的罕见组合——曾在EverQuote扩展了一家拥有300名代理的数字保险机构，并在Litlingo引领了受监管市场中的人工智能创新。

They've built a solution that applies AI in a way that will change how the industry operates from now on.'.

他们建立了一个以人工智能改变行业运作方式的解决方案。

Since launching in 2024, Pathwork has analyzed over 10,000 cases and helped retain millions in commission payments. The company supports more than 65 brokerages and carriers, including Highland Capital Brokerage, AIMCOR, Hilb, LifeQuotes (a division of Keystone Agency Group), NFP, and Merit Insurance (a division of Integrity Marketing)..

自2024年推出以来，Pathwork已分析了超过10,000个案例，并帮助保留了数百万美元的佣金支付。该公司为超过65家经纪公司和承运商提供支持，其中包括Highland Capital Brokerage、AIMCOR、Hilb、LifeQuotes（Keystone Agency Group的一个部门）、NFP和Merit Insurance（Integrity Marketing的一个部门）。

'Highland chose Pathwork for their deep understanding of our challenges and the usability of their products,' said Adnan Raja, SVP of Digital Transformation at Highland Capital Brokerage. 'They're running the most modern tech stack we've seen in this space while meeting the security and compliance demands of our regulated industry'..

“Highland选择Pathwork是因为他们对我们面临的挑战有深刻的理解，并且他们的产品非常易于使用，” Highland Capital Brokerage数字转型高级副总裁Adnan Raja表示，“他们在这一领域运行着我们见过的最现代化的技术堆栈，同时满足了我们这个受监管行业的安全性和合规性要求。”

To learn more or request a demo, visit www.pathwork.com

要了解更多信息或请求演示，请访问 www.pathwork.com

About Pathwork

关于Pathwork

Pathwork is an AI-native platform purpose-built to modernize life and health insurance distribution. By combining structured insurance data with predictive and generative AI, Pathwork transforms complex, manual workflows into intelligent systems—empowering brokers and carriers to underwrite, place, and retain policies faster and more accurately.

Pathwork 是一个专为现代化人寿和健康保险分销而构建的 AI 原生平台。通过将结构化的保险数据与预测性和生成性 AI 相结合，Pathwork 将复杂的手动工作流程转变为智能系统，使经纪人和承保人能够更快速、更准确地核保、安排和保留保单。

Since launching in 2024, Pathwork has supported over 65 brokerages and analyzed more than 10,000 client cases..

自2024年推出以来，Pathwork已经支持了65家经纪公司，分析了超过10,000个客户案例。

About Costanoa

关于科斯塔诺亚

Costanoa exists to elevate founders building companies of consequence. We lead investments from formation through Series A in Applied AI, AI Infrastructure, Cybersecurity, National Security, and Fintech. With $2.3B AUM, we're boutique by design—making fewer investments to deliver deeper expertise and operational support when it matters most: the early, defining stages of growth.

Costanoa 致力于支持那些打造具有重大影响力的公司的创始人。我们领投从创立到 A 轮阶段的投资，专注于应用人工智能、AI 基础设施、网络安全、国家安全和金融科技领域。凭借 23 亿美元的资产管理规模，我们以精品化为设计理念——通过减少投资数量，在最关键的早期成长阶段提供更深入的专业知识和运营支持。

For more information, please visit www.costanoa.vc..

欲了解更多信息，请访问 www.costanoa.vc。