AI-native insurance broker · Mexico
Same insurance for less.
We share our commission with you.
- Today
- $100,000.00
- With Calmia
- $92,500.00
- You save per year
- $7,500.00
- Calmia
- 7.5%
- back to you
- 7.5%
Two ways in
Switch or start fresh.
Already insured
| Field | Today | With Calmia |
|---|---|---|
| Insurer | yours | same |
| Policy | GM-2291847 | same |
| Coverage | yours | same |
| Seniority | since 2019 | same |
| Agent | your agent | Calmia |
| Annual premium | $100,000.00 | $92,500.00 |
Not insured yet
| Insurer | List price | With Calmia |
|---|---|---|
| Insurer A | $14,200.00 | $13,135.00 |
| Insurer B | $13,600.00 | $12,580.00 |
| Insurer C | $15,200.00 | $14,060.00 |
| Insurer D | $12,800.00 | $11,840.00 |
How switching works
Three steps and one signature.
Send us your policy
You send your policy as a PDF or a photo, and Calmia reads all of it.
See your savings
Calmia tells you in writing what commission your policy carries and how much your premium would drop, before you decide.
Sign
You sign a letter that names Calmia as the agent of your policy. You change neither insurer nor policy.
Where it comes from
Your premium already includes a commission.
COMMISSIONS
…the policyholder may ask the insurer, in writing, to disclose the percentage of the premium that goes to the intermediary as commission or direct compensation…
- Agent commissions · Jan–Jun 2025
- $42.7billion MXN
- Cost of sale · health
- 19.1% of premium
- Cost of sale · auto
- 23.5% of premium
SourceCNSF · Q2 2025 (official source, in Spanish; opens in a new tab)
The AI
AI does the work so we charge less.
Reads your policy
LiveCalmia reads your policy and, next to each value, tells you which page it came from.
- Expires
- Mar 15, 2027p. 1
- Deductible
- $25,000.00p. 1
- Net premium
- $100,000.00p. 1
Reminds you in time
LiveCalmia reminds you on WhatsApp 30, 15 and 5 days before your policy expires.
Knows when you paid
LiveCalmia reads your insurer's portal: when the insurer confirms your receipt is paid, it records it and stops reminding you. Calmia never collects: you pay your insurer.
Answers you
In progressThis is what asking Calmia about your policy will be like: it answers with the page it read, and an emergency goes to a person.
Handles your claim
LaterThis is what a claim will be like with Calmia: it builds your file, takes it to your insurer through to payment, and a person stays on your case.
Updates your policy
LaterThis is what changing your policy will be like: Calmia files it with your insurer and tells you when the endorsement is issued.
Our bet
We want to charge the least instead of the most.
- More customers
- Lower cost per policy
- More commission for you
- Lower premiums
- And around again.
Questions
What anyone would ask.
Is this legal?
Yes. Mexican law lets your insurer apply the agent's commission in your favor, and requires it to print the reduction on your policy and your receipt. LISF art. 101 (official source, in Spanish; opens in a new tab)
Do I have to change insurers?
No. You only change agents, in writing, whenever you want. Reglamento de Agentes art. 25 (official source, in Spanish; opens in a new tab)
Do I lose my seniority?
No. It is the same policy, with the same insurer.
How much will I save?
Half of your policy's commission; how much that is depends on the policy. We give you your number in writing before you sign, and if it cannot be done on your policy we tell you that too. Your insurer has to tell you what the commission is if you ask. CUSF 4.5.2 (official source, in Spanish; opens in a new tab)
What if I am not insured yet?
You buy it through us: the same insurers, a lower premium.
Who helps me in an emergency?
A person. The AI answers the everyday questions, with the page of your policy it read.
Does Calmia collect my premium?
Never. You pay your insurer, as always.
Can I switch today?
Not yet. Leave your email and we will let you know.
Waitlist
Save your spot before your renewal.
Example amounts. Your insurer applies the commission.LISF art. 101 (official source, in Spanish; opens in a new tab)