Cortes 23 (C23) is an innovative Managing General Underwriter (MGU) that aims to revolutionize the life insurance industry by addressing long-standing inefficiencies in product manufacturing, underwriting, and distribution.

C23 designs and manufactures digital life insurance products optimized for rapid market entry and seamless integration with existing agent platforms.

Our approach significantly reduces the application and underwriting time from months to minutes, making it more efficient for carriers and more attractive to advisors and their consumers.

C23's technology-driven solution allows carriers to focus on risk management while accelerating new product deployment, removing costs traditionally associated with technology.

By streamlining the entire process, C23 makes it possible for advisors to profitably serve the underserved mass market segment, potentially closing the significant life insurance coverage gap in the United States. We are led by life insurance industry veterans some with major exits.