At 16 years old, Carlos Alberto Arroyo Gil stepped into the back offices of one of the largest insurers in Latin America. Not as an intern. Not as a curious visitor. But as a silent observer—watching, questioning, absorbing the dynamics of an industry that would come to define his life's purpose.

His father, Carlos Ramón Arroyo Maciel, was not a salesman, nor a flashy executive. He was one of the engineers behind the technical infrastructure of MAPFRE México —a man who had spent more than three decades climbing the institution from the underwriting department all the way to the National Council of Quality. His mind knew how insurers really work: the logic behind risk, the undercurrents of compliance, the mechanics of claims, the inertia of bureaucracy.

What Carlos and Daniel saw as teenagers was not inspiring. It was frustrating. They saw clients angry. Claims unresolved. Agents disempowered. They saw outdated products, broken user journeys, and insurance experiences that felt punitive rather than protective.

But instead of running from it, They dove in. Theye began testing. Building. Failing. Restarting.

Over the years, Carlos and Daniel designed fintech prototypes. They built early versions of embedded insurance engines. They negotiated distribution pilots with catalog brands, real estate developers, shopping centers, financial networks, parking operators, car dealerships, co-ops, credit unions, and more.

Each failure revealed a deeper truth.

The problem was never the client. It was never the agent. It was never even the product itself. The problem was structural. Insurance needed to be rebuilt from the core. Not with better marketing. But with better infrastructure.

Open InsurTech is not a startup. It is a factory.

A factory that builds MGAs. That launches InsurTechs. That helps companies across Latin America transform into their own insurance carriers —without needing to be experts, or regulators, or developers.

We don't just plug into the system —we build the system.

At Open InsurTech, we create:

Unlike software companies, Open InsurTech doesn't sell licenses. We invest.

When we choose a strategic partner —a company with distribution power and client relationships— we invest $10,000 to $150,000 USD in their full-stack insurance operation. We build it for them. We operate it for them. We let them use their own brand, their own voice, their own sales teams. But the backbone —the engine, the contracts, the compliance— remains under our guardianship.

That's not a constraint. It's a feature.

Our unique business model is built on sophisticated reinsurance contracts and MGA agreements. We employ our own risk actuaries, allowing us to independently create and secure the most competitive risk rates in the market, unconstrained by individual insurers. This strategic advantage provides us with unparalleled pricing power and product flexibility that traditional insurance models simply cannot match.

Over the past 6 years, without raising a single dollar of external capital, Carlos and Daniel built direct relationships with the executive teams of:

Carlos and Daniel are founding members of the Miami InsurTech Advocates Hub, the most influential InsurTech network in Latin America, alongside major industry players like Chubb, Marsh McLennan, Liberty Insurance, Sura, and others.

Their company, Grupo ACTO, has been recognized by:

Open InsurTech is not trying to be the next unicorn.

It's building the infrastructure behind the next 100 unicorns.

We envision a Latin America where:

To scale this model —to activate more partners, build more products, integrate more insurers— we don't need vanity and mediation efforts.

We need one global insurer that understands infrastructure. That understands regulation. That understands what it means to build an industry, not just an app.