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Starting with “Why”

With over 60 years of combined expertise in insurance, the principals believe the time to transform the life and health insurance industry is now. We are developing a high value exchange platform to support consumer protection and resilience from the unexpected risks in life. We intend on bringing together producers, insurers and consumers to promote human interactions, exchange information (including data) and deliver value throughout the entire customer journey.

Ultimately, we believe that with the right mix of relevant protection products, behavioral science, software engineering, process automation, omni-channel access and marketing skills, we can provide consumers with the right product offer at the right time for the right price -all backed by superior services.

“When a platform enters a pipeline firm’s market, the platform almost always wins”*


Investment Thesis

Insurance Industry Transformation is Unstoppable

The Life and Health insurance industry is seen, both internally and externally within industry insurers and reinsurers, as the next big market for technology disruption. We prefer to use the word transformation instead of disruption as we see a convergence between agile technology players and the so-called legacy incumbents.


4 Strategic Themes

It is important for investors and partners alike to understand that our business model is predicated around 4 strategic themes:

1. Direct-to-consumer focus
The strategic acquisition of marketing, sales, distribution and underwriting platforms that supports our direct-to-consumer model.

2. The Next Generation Operating model
An open, end-to-end API-based life, accident and health insurance technology platform that maximizes consumer access, process automation and minimizes friction in the buying process. We will deliver consumer value by consistently promoting personalization, customization, advice and advocacy.

3. Smart Capital
That supports appropriate ratings and the rapid growth we anticipate in our core markets.

4. An Ecosystem of Partnerships
A whole host of partnerships to further add value, at all consumer touch-points.

With a laser focus on these 4 themes, we are well positioned to support the transformation of the life, accident and health insurance industry.

The Team

Two seasoned insurance executives represent a world class group of subject matter experts, investors and operators who will transform the Life, Accident and Health insurance industry.

Jim Higgins

Jim Higgins is an accomplished senior executive with over 30 years of experience in the life, accident and health insurance industry. He possesses a unique combination of carrier level strategic planning, operations, product development and marketing expertise, along with both US and international MGA and financial institution distribution experience.

A pioneer in the deployment of e-quote thru e-policy technology, Mr. Higgins has held executive level positions at USLife Corporation, JPMorganChase Insurance Group, HSBC Insurance Group, USA, Samsung Life Insurance Co.,Ltd, and Crum & Forster’s Accident & Health division.

Bill Tyson

Bill Tyson  has a 30+ year track record of building and managing multi-channel, multi-line insurance businesses using a variety of distribution models, technology platforms and data driven marketing, both domestically and internationally. He is a seasoned global insurance executive having excelled at several Fortune 500 companies (including AIG, CIGNA, CIGNA International, Jardine Matheson and more recently, Swiss Re – New Solutions Group).

In the past 5 years, he has been busy commercializing new InsurTech solutions that leverage emerging technologies including the Internet of Things, block chain, digital marketing, accelerated underwriting applications, behavioral science techniques and a variety of digital solutions across the entire (re) insurance value chain.


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