viteSicure is an insurtech company that provides life insurance in an accessible, self-service, and instantaneous manner. It transforms the traditional policy buying experience through a fully digital process. viteSicure aims to address the protection gap and meet customers' needs through affordable monthly subscriptions and an omnichannel service. The company has experienced rapid growth and a high customer lifetime value to customer acquisition cost ratio, validating its innovative business model.

1. Accessible, Self Service and Instantaneous
Financial Security for you and your loved ones

2. FAMILIES’ FINANCIAL VULNERABILITY
48%
ITALIAN FAMILIES
without savings
61%
MILLENNIALS
with financial security anxiety
6%
ITALIAN FAMILIES
with insurance protection
THE PROTECTION GAP
A worldwide problem caused by the impact of economic crisis and pandemia.
The current process is complicated, outdated, and leaving millions financially vulnerable.
Life insurers, focused on savings products,
ignore financially
vulnerable families.
Financial purchases are moving
to digital but insurers are stil unclear
on life protection insurance.
Offer NOT aligned
with families’ needs and
new buying habits.

3. OUR SOLUTION
Sustainable, Self Service
and Instantaneous
Life Financial Security
viteSicure transforms the policy buying experience
A unique and innovative customers experience.

4. THE NEXT GENERATION INSURANCE
viteSicure is the first life
insurtech that transforms the
policy-buying experience
making it sustainable, self-
service and instantaneous.
The unique sustainable life
insurance case with
paperless and affordable
(inclusive) products created
directly with RGA, a
worldwide leading reinsurer.
Instant protection with an
open API platform
for a full digital customer
onboarding through a need
based proposition.
Self service with the help of
Digital Educational Tools and
the human touch of an
excellent Omni-Digital
Customer Service.
viteSicure is guaranteed by a Team with more than 25 years of expertise
in insurance, marketing and technology.
viteSicure (07/2019) is the brand of Bridge Insurance Services srl (2012), insurance broker registered in IVASS (Bank of Italy) and licensed tto distribute in European Economical Space.
Registered in the INNOVATIVE SME Register, and constituent member of IIA (Italian Insurtech Association) and Member of Italian Tech Alliance

5. OUR VISION
Customers are online, react to ads and use technology.
viteSicure is the first to:
TECHNOLOGY TRANSFORMED INDUSTRY
engage customers
on needs
educate them on the
insurance solutions
reduce distance
with insurance
instantly satisfy their
requests and needs
Technology is our enabler to reach the multitude of families
and meet their needs at the trigger points of their life.

6. OUR OPEN API INFRASTRUCTURE
viteSicure’s the first D2C (B2C) and B2B2C, ready for EMBEDDED OPEN INSURANCE Platform
for life protection products.
A UNIQUE DIGITAL ECOSYSTEM:
unique proprietary API platform enables FULLY DIGITAL process and data transformation and integration.
INSURERS
OMNIDIGITAL
CUSTOMER
SERVICE
MARKETING
AUTOMATIONS
B2B2C
CUSTOMERS
INSIGHT
EDUCATIONAL
CONTENT
MANAGEMENT
API Layer
API Layer
API Layer
API Layer
API Layer
API Layer
API Layer
USERS
API Layer

7. OUR UNIQUE EXPERIENCE
Simple and fast Customer Journey
for a different and innovative
Customers Experience aligned
with new buying habits.
viteSicure is the only life insurance
case with FULLY DIGITAL
Instant Quotation
viteSicure
Comparison on needs
Instant Underwriting application
Traditional
Players
On line
Players
Instant Policy download
No medical Exam – 0 Burocracy
Paperless – Underwriting Automation
No pushy Commissioned Agents
Monthly Subscription
Omnidigital Customer Service
CUSTOMERS ONBOARDING
MARKETING FUNNEL
CUSTOMERS SERVICE

8. BUSINESS MODEL
Customer pays Premium to insurer,
viteSicure earns recurrent Commissions
on Premium for each year
of the duration of the policy.
Commission for 19 years of avg policy
duration => HIGH LTV.
No Claw back.
Comparable to a subscription model
Leads => Quotations => Policies
Key Metrics = Conversion Rate = Policies/Quotation.
82% of Policy are paid MONTHLY.
On average Policies last 19 years.
B2C
Lead generation – with Strong Target Segmentation
Media Mix: 98% Facebook & Instagram (at present).
Retargeting funnels (TOFU – MOFU – BOFU).
Marketing automation funnel/BOT/Community.
B2B2C
Partnership with Facile.it, Segugio.it, MioAssicuratore,
AltroConsumo Connect.
Partnership with financial Institution in development.
Launch of the charity activity «Polizza Sospesa».
Insurance Products: TermLife Insurance,
Permanent Disablement,Personal Accident,
Health, Dread Diseases, Cancer (via MVP), Income
Protection.
OPEN API Platform cloud based technology
to instantly connect insurers:
– partners and customers=>Instant Quotation
– policy download => Analytics.
Protection Calculator Platform
Omnidigital customer services:
Whatsapp, Chat, Messenger, Telegram, Call.
AI Applications improve customers’ knowledge.
MONETIZATION
TYPE OF
BUSINESS
MODEL
CUSTOMERS
ACQUISITION
CHANNELS
SERVICES
www.vitesicure.it

9. BUSINESS MODEL - MONETIZATION
-200
-150
-100
-50
0
50
100
150
200
250
300
350
400
450
500
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
CAC Commission (turnover) Annual Premium
Comparable to a subscription model
viteSicure Portfolio’s Long Term Value is the highest
in insurance due to recurrent commissions
and the policies duration.
We create ASSET VALUE
CAC of €211
LTV of €1,104
x5,23 LTV/CAC
*results at the end of January 2023
€ 68
For each of Following
years Commissions
19,5%
19 yrs
AVERAGE POLICY
DURATION
€ 350,14
AVERAGE Annual
PREMIUM
per Policy
€ 173
First year
Commission 49,5%

10. TARGET MARKET
Figures just for Italy but life insurance under penetration is
massive in many other countries.
 49.2 MILLION PEOPLE
Total Available Market (TAM)
 32 MILLION PEOPLE
Serviceable Available Market (SAM)
 19 MILLION PEOPLE
Serviceable Obtainable Market (SOM)
In Italy, in term of premium, the market size value
to create is €20bn

11. COMPETITION
Our competition inhibitors:
 Mindset and Growth Hacking Expertise;
 Innovative Business Model;
 Continuous improvement of
Customer Journey and Experience;
 Speed of Reaction.
viteSicure is the fast fish
and first mover in the blue ocean
of life protection market
with 2-3 years of real advantage
Fully Direct
Only Offline
Product based
selling
Need based selling
(on demand)
Traditional
Broker
MOVING PURCHASE TO DIGITAL
www.ethoslife.com www.ladderlife.com
UNIQUE
POSITIONING

12. MAKING A DIFFERENCE IN THE LIVES OF THOSE
WHO ARE OFTEN LEFT BEHIND
«I was looking for an insurance company with an entire
online process.
I made a quote with Vitesicure, it was the most
advantageous, flexible and clear in its wording.
Very convenient the monthly payment.
All the documents are quickly available online.
I think all companies should move in this direction to
offer us customers low premiums and ease of taking out
policies.»
No one was willing to underwrite life insurance with a
pathological history such as mine (myocardial infarction)
without thinking that, once the pathology had been
surgically corrected, the person would resume his or her
life normally.
Thank you.

13. MARKET VALIDATION
THE CUSTOMERS
«During this difficult year I was lucky finding a Team,
first of all Persons!
Quickly and regardless the dfficulties to deal at
distance we all suffer. They offered me a product with
excellent conditions, acquisition terms and procedures
that went beyong all positive imagination and a cost
quality ratio that stands uo to the biggest life insurance
brands.
I had never met personally any of their staff but I
immediately found hospitality and the welcome you
reserve to old customer or friends indeed.
I strongly recommend them without reserve and with
the confidence all the rest will come.»
THE REINSURER
«ViteSicure is the only life insurance in EU selling
TermLife Policies, with a full online experience.
The portfolio is very good for age and duration.
«The Team is prepared and organised in handling
exceptional underwriting case»
«We look forward to develop all they need»
THE INSURER
«We work in various country in EU and viteSicure is
the first and only one that is proving to be able to sell
Term Life policies . They still sell a little number of
Policies but they grow month by month and give me
the confidence they can achieve bigger and bigger
results.
Our valuation is based on numbers and that’s the
reason we want to support their growth»

14. Operazione
Polizza Sospesa
Aiutaci ad aiutare chi non può
proteggere chi ama
TRACTION
YTD FULL ONLINE POLICIES at January 2023
CHURN RATE 5,3%
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
5,500
- MGA

15. METRICS
NEW TOTAL ONLINE 2022
Acquisition – Leads
(product views)
33,019
Activation – Quotations
(price blocked)
3,224 – 10%
Revenues-Policies
Conversion
Rate 847
27%
TOTAL ONLINE 2020
Acquisition – Leads
(product views)
23,007
Activation –Quotations
(price blocked)
3,067 - 13%
Revenues
Policies 639
21%
NEW TOTAL ONLINE 2021
Acquisition – Leads
(product views)
102,454
Activation –Quotations
(price blocked)
5,124 - 5%
Revenues-Policies
Conversion
Rate 1,522
30%
Acquisition – Leads
(product views)
136,939
Activation –Quotations
(price blocked)
9,979 - 7%
Revenues-Policies
Conversion
Rate 2,913
29%
NEW TOTAL 1QRT 2023

16. HIGHLIGHT ACTUAL – BUSINESS PLAN
€ 300,871
YEAR 2021
€ 361,281
DEC 2021
€ 287,156
1 QRT 2023
€ 1,226,875
CURRENT QRT1
Cumulative Premiums Written and Commissions
TURNOVER
(Commissions)
ARR
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
1,800,000
2,000,000
2,200,000
Premium Written Commission
€ 689,356
YEAR 2022
€ 869,851
DEC 2022
1 QRT 2023
TOTAL PORTFOLIO Actual COMMISSIONS (TURNOVER) ** € 6,315,172.
** Based on corhot analysis, the calculation considers total premiums and commisions of each policy at the laspse of the policy
Figures presented refer to the fully online portfolio only. The company currently has a small portfolio of policies that are issued through other processes

17. OUR FOUNDERS
ELEONORA DEL VENTO
CEO & Founder
Insurance Expert
CX design
Operational Efficiency
CS Service Expert
CRM/Data Analysis
Financial & Strategy
ALESSANDRO TURRA
CMO & Founder
Marketing Strategy
Data Driven Decision
Digital Marketing
Social Media
Metrics
Sales
Advertising & Media
Passionate for innovation, technology, operational excellence, unique customer services.
Pioneers in insurance innovation.
In 1995, they launched the first direct motor insurance company in Italy and the first in EU to sell motor insurance online,
helping thousands of customers to save money on motor insurance.

18. FINANCING
After the Proof of Concept, we are ready to scale up the
business to consolidate our advantage as First Mover with
investments in:
 Digital and Tech developments;
 Product developments according to customers’ needs we
already discovered;
 Expand product and platform features to reach new
targets (Generation Baby boomer, X, Y);
 Internationalisation targetting European countries with
underinsured vulnerable population connected on web.
55%
15%
5%
5%
5%
3%
3%
1%1%
1% 1%
1%
1% 1%
1% 0%
0%
Liberamente Srl
Aleph Finance Group Ltd
RGA X LLC
Giovanni Burzio
Digital Magics
Reale Mutua Assicurazioni
Maria Giovanna Calloni
Alessandro Fracassi
Dutto Lorenzo
Toso Elisabetta
Snedden Ralph Cameron
Franco Prini
GenCap Advisory srl
Nathalie Droulers
Injection capital srl
Gabriele Schiavone
Elisa Masera
CAP TABLE

19. OUR EXCEPTIONAL GROWTH
https://technation.io/news/how-to-raise-insurtech-funding/
Plans for exceptional/significant growth in GWP in the pipeline.
•Revenue Model
• Broker commissions: % of premium for selling or distributing standard
insurance products. This is usually between 5-15% but can be as high as 25%.
• GWP linked SaaS revenue: % of premium based on the GWP on a technology
platform (this can be between 0.2-10%). The platform could be matching risk
with underwriting capacity, policy administration or even claims.
• Managing General Agent (MGA): able to price risk and may have designed
suitable insurance products. MGAs receive a % of premium underwritten (often
between 5-25%) and a reward fee for good loss ratios (where premium
collected exceeds claims) up to 10%
•Customer Lifetime value / Customer Acquisition Cost (LTV/CAC)
A LTV/CAC ratio of 3 or more is desirable and a common benchmark used. Well
known insurtechs such as Lemonade suggest a LTV/CAC ratio of between 2 and 3.
For example, life insurance has an average LTV of 7 years.
Series A:
• Proven product/market fit with a first insurance product and customer
segment.
• Typically broker or MGA structure and good relationship with one carrier.
Life => 49,5% first year; 19,5% following years
Personal Accident => 30%
viteSicure
At Q3 2022 LTV/CAC 5,60
LTV of 19 years. We create assets for 19 years
viteSicure
Underwriting and administration capability
viteSicure
Life => 49,5% of premium first year; 19,5%of premium
following years
Reward fee for good loss ratios to be defined
viteSicure
All in place
viteSicure

20. viteSicure’s IMPACT on people’s lives
A different and innovative Customers Experience aligned with new buying habits
SUSTAINABLE, INSTANT and SELF SERVED FINANCIAL SECURITY
Comparison on needs
Instant Policy download
Paperless – Underwriting Automation
Omnidigital Customer Service
Need based Proposition
Best Life Protection (death, health and
loss of income)
based on customerrs’ needs and
financial capability
Fast growing, resilient and valuable
life insurtech
(conversion rate and LTV/CAC)

21. THANK YOU
TO CONTACT US
edelvento@vitesicure.it
+39 3517556002
aturra@vitesicure.it
+39 3491917779
www.viteSicure.it

22. SWOT
 Growth Hacking Mindset
 Open API per customer
onboarding, marketing
funnel e customer service
 Customer Journey
 TrustPilot Score
 Semplificazione Prodotto
 Relazioni RGA e altri
riassicuratori/compagnie
 Digital Customer Service
 Marketing Expertise
 Dream IT Team
 Competenze Assicurative
 Business Model - LTV
• Brand Awareness
• SEO/SEM
• Marketing Team
• Finance Team
• Business Model –
mensilizzazione
• Partnership
• PMI welfare
• Internazionalizzazione
 Dimensione Mercato
 Sotto – assicurazione solo
6%
 Proposizione di vendita
non corretta ed adeguata
 Marketing assicurativo per
Brand/Prodotto
 Scarso expertise nella
vendita digitale
 Scarsa competenza
Assicurativa nuovi entranti
 Non obbligo
Assicurazione vita per
mutui
 Single European Market
 Concentrazione
Assicurazione Auto
 Nuovi Entranti con
possibilità di spending
maggiori
 Ulteriore stretta GDPR
 Inflazione
 Formazione canali
tradizionali/sviluppo
sistemi compagnie
Punti di Forza Punti di Debolezza Opportunità Minacce

23. Punti di Forza

24.  Prodotto, pricing, regole assunzione
rischi
 Sottoscrizione rischi
 Licenza
 Gestione sinistri
 Condivide una quota del rischio con
riassicuratore
 Disegno Prodotto
 Marketing
 Vendita
 Assunzione Rischio
 Servizio Clienti
 Rinnovi
 Denuncia Sinistro