The document outlines the mission and vision of a company aiming to revolutionize the insurance industry through an Insurance Infrastructure-as-a-Service platform. It notes that legacy systems are limiting innovation and that there is a need for more affordable, inclusive insurance products to expand coverage to the billions currently uninsured globally. The company's platform aims to simplify insurance product development and distribution to help increase accessibility.

1. MISSION STATEMENT: REVOLUTIONIZING THE INSURANCE INDUSTRY WITH INTUITIVE, CUSTOMIZABLE, PLUG-AND-PLAY SOFTWARE SOLUTIONS FOR PRE-UNDERWRITTEN, RULE-BASED, OFFER-TO-ACCEPT,
INCLUSIVE AND AFFORDABLE INSURANCE PRODUCTS CATERING FOR THE MID-TO-LOW CONSUMER SEGMENTS.
VISION STATEMENT: TO BE THE LEADING GLOBAL PROVIDER OF INSURANCE INFRASTRUCTURE-AS-A-SERVICE SOLUTIONS, SIMPLIFYING INSURANCE AND EMPOWERING REINSURERS, CEDENTS, MGAS
AND INTERMEDIARIES WITH CUTTING-EDGE TECHNOLOGY.

2. • INSURANCE PENETRATION GLOBALLY AVERAGES ~
7% I.E., 93% WORLD’S POPULATION REMAINS
UNTAPPED
• MILLIONS REMAIN VULNERABLE TO FINANCIAL RISK
DUE TO PERSISTENTLY LOW INSURANCE
PENETRATION RATES
• LEGACY SYSTEM LIMITATIONS AND HIGH NEW-TECH
DEVELOPMENT COSTS ARE MAJOR DETERRENTS TO
INNOVATION
• TRADITIONAL DISTRIBUTION MODELS NOT
SUPPORTIVE OF LOW-TICKET, AFFORDABLE AND
INCLUSIVE PRODUCTS
• HIGH CUSTOMER ACQUISITION COSTS ARE STIFLING
INSURANCE PROVIDERS' ABILITY TO EXPAND THEIR
REACH
• URGENT NEED FOR SIMPLIFIED, AFFORDABLE,
INCLUSIVE AND DIGITALLY DISPENSED INSURANCE
PRODUCTS

3. • ~90+% PERCENTAGE OF GLOBAL POPULATIONS REMAINS UNINSURED DUE TO THE LACK OF FIT-FOR-PURPOSE INSURANCE PRODUCTS AND
RELATED DISTRIBUTION CHANNELS
• INSURANCE COMPANIES NEED DIGITAL SOLUTIONS IN ORDER TO OFFER ANYTIME, ANYWHERE ACCESS TO THEIR PRODUCTS. AN #IIAAS
(INSURANCE INFRASTRUCTURE-AS-A-SERVICE) PLATFORM CAN PROVIDE THIS FLEXIBILITY, SCALABILITY, AND SECURITY
• DEVELOPING AND MAINTAINING AN IN-HOUSE INSURANCE INFRASTRUCTURE IS COSTLY. AN IIAAS PLATFORM CAN REDUCE COSTS BY
PROVIDING A ZERO-UPFRONT-COST INFRASTRUCTURE FOR MULTIPLE BUSINESSES
• INSURANCE IS A HIGHLY PROFITABLE SECTOR, BUT COMPETITION IS FIERCE. AN IIAAS PLATFORM CAN HELP COMPANIES DIFFERENTIATE
THEMSELVES, DEVELOP NEW LINES OF BUSINESS AND INCREASE PROFITS
• THE IIAAS IS A NEW MARKET WITH NIL TO LIMITED COMPETITION. EARLY ENTRANTS CAN ESTABLISH THEMSELVES AS INDUSTRY LEADERS BY
PROVIDING INNOVATIVE SOLUTIONS.
• OUTDATED LEGACY TECHNOLOGY IS COSTLY AND LIMITS INNOVATION. AN IIAAS PLATFORM CAN MODERNIZE TECHNOLOGY
INFRASTRUCTURE FOR FLEXIBILITY AND SCALABILITY IN THE DIGITAL AGE.
• AN IIAAS PLATFORM IS CAPABLE TO DEPLOY RULE-BASED, OFFER-TO-ACCEPT LIFE, GENERAL & HEALTH PRODUCTS

4. NO COMPETITION
• LACK OF INNOVATION: THE INSURANCE INDUSTRY IS NOTORIOUS FOR BEING SLOW TO ADOPT NEW TECHNOLOGIES AND
PROCESSES, AND MANY COMPANIES CONTINUE TO RELY ON LEGACY SYSTEMS. THIS LACK OF INNOVATION MEANS THAT THERE ARE
FEW COMPETITORS FOCUSING ON DEVELOPING INSURANCE INFRASTRUCTURE-AS-A-SERVICE PLATFORMS.
• HIGH BARRIERS TO ENTRY: DEVELOPING AN INSURANCE INFRASTRUCTURE-AS-A-SERVICE PLATFORM REQUIRES SIGNIFICANT
INVESTMENT IN TECHNOLOGY, INFRASTRUCTURE, AND PERSONNEL. THIS HIGH BARRIER TO ENTRY HAS DETERRED MANY POTENTIAL
COMPETITORS FROM ENTERING THE MARKET, LEAVING THE FIELD WIDE OPEN FOR EARLY MOVERS.
• LIMITED SCOPE: MANY INSURTECH’S FOCUS ON PROVIDING INCREMENTAL IMPROVEMENTS TO EXISTING INSURANCE PRODUCTS
RATHER THAN CREATING ENTIRELY NEW SOLUTIONS. THIS LIMITED SCOPE MEANS THAT THEY ARE NOT LOOKING OUTSIDE THE BOX
AND ARE UNLIKELY TO DEVELOP INNOVATIVE INSURANCE INFRASTRUCTURE-AS-A-SERVICE PLATFORMS.

5. • OUR VALUE PROPOSITION IS SIMPLE YET POWERFUL. AS THE FIRST INSURANCE-INFRASTRUCTURE-AS-A-
SERVICE TECHNOLOGY START-UP, WE PROVIDE HIGHLY CUSTOMISED AND INTUITIVE SOFTWARE SOLUTIONS FOR REINSURERS,
INSURERS, MGAS, INTERMEDIARIES, AND END CONSUMERS.
• OUR SOLUTIONS ARE DESIGNED TO ACT AS A CATALYST FOR THE ENTIRE INDUSTRY TO HELP INNOVATE AND MANUFACTURE
INCLUSIVE, AFFORDABLE AND FIT-FOR-PURPOSE INSURANCE PRODUCTS, INCREASE INSURANCE PENETRATION RATES, IMPROVE
OPERATIONAL EFFICIENCY, ENHANCE OVERALL CUSTOMER EXPERIENCE, AND DRIVE PROFITABILITY.
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6. • SWIFT SPEED-TO-MARKET
LAUNCH YOUR INNOVATIVE INSURANCE PRODUCTS IN RECORD TIME, STAYING AHEAD OF THE COMPETITION.
• ZERO UPFRONT COST
EXPERIENCE RISK-FREE INNOVATION WITH NO FINANCIAL BARRIERS, MAKING YOUR JOURNEY HASSLE-FREE.
• NO-CODE SIMPLICITY
EMPOWER YOUR TEAM WITH USER-FRIENDLY TOOLS, NO CODING EXPERTISE REQUIRED, ENABLING CREATIVITY TO FLOURISH.
• DRIVING EFFICIENCY
STREAMLINE YOUR PRODUCT DEVELOPMENT PROCESS, OPTIMIZING WORKFLOWS FOR MAXIMUM PRODUCTIVITY.
• INFINITE PRODUCT VARIANTS
CATER TO DIVERSE CUSTOMER NEEDS WITH AN ARRAY OF PRODUCT VARIATIONS, ENSURING MARKET RELEVANCE.

7. • PLUG-N-PLAY INTEGRATION
SEAMLESSLY INTEGRATE WITH EXISTING SYSTEMS, ENSURING SMOOTH IMPLEMENTATION WITHOUT DISRUPTION.
• COMPLEMENTARY TO LEGACY SYSTEMS
EMBRACE A HARMONIOUS BLEND OF OLD AND NEW, SAVING TIME AND COST ON SYSTEM OVERHAULS.
• CATALYST FOR INNOVATION
PROPEL YOUR ORGANIZATION INTO THE FUTURE, EMBRACING PURPOSE-DRIVEN AND INCLUSIVE INSURANCE PRODUCTS.
• SIMPLE TO USE
OUR INTUITIVE PLATFORM ALLOWS EFFORTLESS NAVIGATION, SIMPLIFYING THE PRODUCT DEVELOPMENT EXPERIENCE.
• COMMERCIAL MODEL BUILT ON PARTNERSHIP
WE FOSTER STRONG COLLABORATIONS WITH OUR CLIENTS, FOSTERING A TRUE PARTNERSHIP RATHER THAN A CONVENTIONAL VENDOR
RELATIONSHIP.

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9. CONCLUSION
• MILLIONS REMAIN VULNERABLE TO FINANCIAL RISK DUE TO PERSISTENTLY LOW INSURANCE PENETRATION RATES
• HIGH CUSTOMER ACQUISITION COSTS ARE STIFLING INSURANCE PROVIDERS' ABILITY TO EXPAND THEIR REACH
• LEGACY SYSTEMS ARE A COSTLY BURDEN FOR INSURANCE COMPANIES STRUGGLING TO MEET MODERN DEMANDS
• WITHOUT MICRO-INSURANCE, MANY ARE LEFT WITHOUT ACCESS TO AFFORDABLE PROTECTION FROM FINANCIAL HARDSHIP
• LIMITED FINANCIAL INCLUSION IS HINDERING GLOBAL ECONOMIC GROWTH AND DEVELOPMENT
• LIMITED INDUSTRY ABILITY TO DEVELOP AND MARKET LOW-TICKET, MASS-MARKET INSURANCE PRODUCTS

10.  Accidental death and
dismemberment insurance (AD&D)
 Critical illness insurance
 Hospital indemnity insurance
 Term life insurance
 Travel, Pet, Home Content etc.,
insurance
 Cancer insurance
 Disability insurance
 Cyber Insurance
 Etc.
 Reinsurance and Insurance providers
 Banks & NBFCs
 Affinity partners: Telcos, utility
providers, RTA, Embassies,
Universities, etc.
 Re-brokers and large brokers
 Healthcare providers