Choice Group launches fintech aggregator platform to address low insurance penetration pexels In a bid to empower the average Indian mitigate his risks with the appropriate insurance products; Choice Group has launched a fintech aggregator platform -- ISMOS offering life, health and general insurance. âWith insurance penetration in India being just over 2 percent, the intuitive, interactive and tech-enabled platform with universal reach, offers comparable quotes from multiple insurance companies that would facilitate the customer or user to take a well-informed decision keeping his risks in mind,â said Suyash Patodia, Executive Director of Choice Insurance Broking. Choice Insurance Broking Pvt Ltd is in the process of being acquired by BSE-listed Choice International to be its wholly owned subsidiary, and IRDAâs approval for the same is awaited.