This document introduces Hublio, an insurance robo-advisor that aims to simplify insurance. It notes that most people are underinsured and that the insurance industry does not follow customer needs closely. Hublio allows users to capture their profile, risks, and current coverage through the app. It then analyzes this to understand how insured the user is and provides actionable advice to optimize their coverage. Hublio provides this service to both end customers and as a software and API platform for brokers and insurers to gain insights into coverage gaps and growth opportunities. It has a founding team with over a decade of finance and technology experience and plans to expand its product lines and coverage as it pilots with brokers and insurers.

1. Simplifying insurance.

2. This is John
John has a problem…

3. Fragmented

4. Complex
2 in 3 are not
covered well
Sources: Insurance Europe, EY, PwC, Accenture, CB Insights
It’s also

5. Real Hassle

6. Meanwhile…

7. Insurance Industry
Doesn’t
really follow
customer
needs & risks
Sources: Insurance Europe, Central Bank of Ireland, FCA, EY, PwC, Accenture, FERMA, SunLife

8. 0%
20%
40%
60%
80%
100%
120%
140%
160%
Total Motor Liability Property PA/Travel Other
Key Insurance Ratios – eg. Ireland 2015
Claims Commissions Mgmt Expenses
High Costs
Declining
Profits
Sources: Insurance Europe, Assuralia

9. Insurance
Robo-Advisor
Introducing Hublio’s

10. Scan, Upload,
or Manual Entry
Capture

11. Your Profile,
Your Risks
& Your Cover
Analyze

12. Understand
How Insured
You Are
Explain

13. Actionable
Advice Right
From the App
Optimize Monday 2:56 PM
Read Wednesday
Tuesday 7:56 AM
Thanks!
Hi John. Sure thing. We’ll let you
know if there is an additional
premium due for covering this.
Can you amend this?
Yes, I bought a computer, an
Apple MacBook Pro.
Hi John. We noticed you changed
your home contents items.
Decline
Agree & Purchase
Hi again John. We recommend
reducing your deductible from
€1,000 to €500 for an additional
premium of €10 per year.
Lib ert y In suran ceMessages
Vodafone IE 22%2 54 PM:

14. For End-Customers
Simple &
Convenient
Digital Concierge

15. From Price
To Advice
For Brokers & Insurers
Holistic Dashboard

16. Growth &
Efficiency
For Brokers & Insurers
Policy Gap Analysis

17. Analysis &
Insights
For Brokers & Insurers
Product & Market Info

18. Coverage
Analysis
Profile
Risk Profile
Policies
Coverage
Life Events
Gaps
Info
leads
advice
actions
Note: Schematic simplification; for illustration purposes only
CRM
policy
admin
external
data/svc
social
feeds
apps
Product &
Market Info
Assets
quoting
service
Comparison & Advisory ComponentsAnalytical Components
How We Do This

19. Ireland
UK
BeNeLux
7500+
brokers, advisors
and insurers
Sources: Insurance Europe, Eurostat, IBA, BIBA, FVF, Assuralia, Portima
32%
commissions
& expenses
€ 360 B
yearly
premiums
Opportunity & Focus

20. Referrals
Brokers & Advisors
Insurers
FREE End-customers
SaaS
& API
Brokers & Advisors
Insurers
SaaS – Software-as-a-Service, monthly subscription for usage of the platform; API – programmatic access to the platform; CPL – Cost per Lead, one-time referral fee for new sale opportunity
B2B2C Approach
Basic
Professional
Enterprise
Monthly Subscriptions

21. Automation
Focus
Advice
Focus
Note: relative positioning for illustration purposes only; non-exhaustive
#InsurTech Landscape

22. +16 yrs
Finance
& ICT
+12 yrs
ICT
+10 yrs
Finance
Founding Team
Mirko InsuaRaphael Wouters Michael Parizel

23. Partners & Advisors

24. Piloting
Brokers & Insurers
Engagement
App for End-customers
Investments
& Growth
Coverage Overview
Personal & Risk Profile
Asset Management
Policy Gap Analysis
Risk Profiling
Data Sources & API
Hire Analytics & Dev Staff
Expand Product Lines
EU Patent Application
Traction & Roadmap

25. Broker & Insurer
Introductions
Welcoming

26. Simplifying insurance.
 hublio.com hello@hublio.com @hublio /hublio