Financial Services Are Already Part of Daily Life

Financial services show up in countless everyday moments - transport, coffees, streaming, online shopping, travel. Each time you pay, you’re exchanging money for speed, comfort, and protection: tap-to-pay, one-click checkout, refunds, purchase protection, extended warranty, device cover.

Most of this happens invisibly inside apps and platforms, so it feels like a seamless feature rather than a financial product. That’s why simplicity and clarity are essential: people want to understand the protection they’re getting and how it works for them.

However, daily life also brings daily risks: cracked screens, delayed flights, damaged deliveries. This is why micro-covers turn unpredictable costs into small, predictable ones, giving customers peace of mind and support at the moment they need it.

The embedded insurance market reflects this shift. In 2023, it was valued at roughly $213–355 billion, and it’s now forecast to reach around $1.1 trillion by 2033 (source). Higher-value categories like vehicles, lending, and mobility are increasingly adopting embedded protection, showing that this is no longer just about travel insurance or device cover - embedded insurance is becoming a core part of customers’ engagement with lifestyle financial services and customer experience.

Customers Expect Protection Inside the Same Experience

Consumers now expect help to appear in the same moment and same app where they are already spending. The standard is set by Apple’s one-tap experience and Amazon’s frictionless clarity: fast, low-effort actions with clear status and outcomes.

Extra steps feel like a time tax, and friction at checkout increases drop-off rates. Digital wallets and instant checkout have made “right here, right now” the default. Sending someone to a call-center queue or a separate purchase flow breaks trust and interrupts the customer journey.

This is why platforms increasingly bundle payments + support, and embedded insurance follows the same pattern:

• Clear opt-in

• Upfront price

• Instant policy issuance

• Self-serve claims

• Use of existing customer data to reduce effort

What actually moves people to accept embedded protection is simplicity, speed, relevance, and trust in the brand they are buying from.

At the point of need, this looks like:

• Parametric travel delay protection

• Damage waiver and excess protection in mobility

• Shipping and accidental damage cover in e-commerce

• Income protection for freelancers directly within the app they work from

Fast, contextual, and easy to understand - exactly where protection should live.

How Lifestyle Brands Use Embedded Protection Today

Travel apps, mobility platforms, gig marketplaces, and retail brands are increasingly pairing payments with embedded insurance to improve conversion, build trust, and drive retention.

Some of the winning patterns include:

• Parametric triggers: an event happens = payout is automatic

• On-demand cover: start/stop by the hour or day

• Post-purchase add-ons: extend warranty at month 11 before it expires

• Membership bundles: combine delivery perks + device, purchase, or cyber protection

What good looks like to customers:

• Benefits they can understand in seconds

• Fair, transparent pricing

• Instant documentation

• A claims link directly in their receipts or order status

• Smart, first-party signals that surface the right cover at the right time

For brands, embedded protection is a trust signal that reduces support load and adds incremental revenue.
For customers, it’s protection that shows up when life happens - without adding complexity or stress.

How Beloy Brings Lifestyle and Financial Services Together

Beloy brings embedded insurance into lifestyle financial services with API-first, white-label solutions placed directly inside checkout flows, order tracking, and account pages, as well as at post-purchase moments. Brands and their customers get clear offers, instant documentation, and automated claims, keeping support inside the app rather than sending people to a call-center.

These are some of the everyday moments Beloy makes easier:

Travel & Experiences
We use parametric data for flight delays and weather events to automate payouts - no claim filing needed, no forms, no frustration.

Mobility & EV
Insurance is embedded directly in the vehicle purchase journey so customers can buy and insure their car or e-bike in one smooth flow.

Gig & SME
Freelancers and small businesses get access to income protection tailored to variable earnings - peace of mind built for modern work.

Retail & Electronics
Targeted, relevant cover from the moment of purchase: accidental damage, theft, fast repairs, and warranty-compliant processes.

Wellness & Memberships
Protection bundled across services with simple, self-serve claims that fit naturally into membership models.

At the heart of our approach is a simple belief: protection should be effortless - clear benefits in seconds, transparent pricing, and fast resolution without unnecessary detours or friction. Beloy supports lifestyle brands by integrating financial protection exactly where customers already are, so peace of mind feels natural, not complicated.

Want to explore how Beloy can integrate protection seamlessly into your customer journeys? Schedule a free demo here.