FUTURE AMERICAS A carefully curated list of rising insurtechs driving innovation across insurance - Insurtech Insights
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FUTURE
AMERICAS
A carefully curated list of rising insurtechs
driving innovation across insurance
Insurtech Insights Future 50 1
In partnership with JobsOhio
FUTURE
AMERICAS
A carefully curated list of rising insurtechs
driving innovation across insurance
2
CONTENTS
T H A N K YO U 4
F O R E W O R D BY S Ø N R 5
HOW WE CHOOSE OUR WINNERS 6
O U R J U D G I N G PA N E L 7
1 N AY YA H E A LT H 8 27 SOFÍA 47
2 AG E N T S Y N C 12 = 2 8 C I R C U LO H E A LT H 48
3 J O OYC A R 14 = 2 8 E V O LU T I O N I Q 49
4 POLICYME 16 =30 BRELLA 50
5 SAMI 18 =30 HUCKLEBERRY 52
6 ROZIE AI 20 32 S AYATA L A B S 53
7 SAFEKEEP 22 33 WESTHILL 54
8 THIMBLE 24 34 TENSORFLIGHT 55
9 INSPEKT LABS 26 35 BRIZA 56
10 COWBELL CYBER 28 36 F LY R E E L 57
37 T H E C L I M AT E S E R V I C E 58
A WORD FROM JOBSOHIO 30 38 AV I N E W 59
=39 ZEGURO 60
11 FORESIGHT 31 = 3 9 S A LT Y 61
12 RESILIENCE 32 41 THE DEMEX GROUP 62
= 1 3 I A N AC A R E 33 42 INSURIFY 63
=13 SAIVE 34 43 BRANCH INSURANCE 64
15 UNUM ID 35 44 VERIKAI 65
= 1 6 B E T T E R F LY 36 45 T R U S T L AY E R 66
=16 CLAIM GENIUS 37 =46 HIGH DEFINITION VEHICLE
18 N E P T U N E F LO O D 38 INSURANCE 67
19 THINKSEG 39 =46 DIGISURE 68
=20 FENRIS 40 48 N U R A LO G I X 68
=20 LEDGER INVESTING 41 49 SPROUTT INSURANCE 70
22 B OX X I N S U R A N C E 42 50 W E L LT H 71
23 INSHUR 43
24 Z E S T Y. A I 44 C O N TAC T 7 6
25 EDGYBEES 45
26 H E A LT H [ AT ] S C A L E
T E C H N O LO G I E S 46
2 Insurtech Insights Future 50 3
T H A N K YO U TO O U R F O R E WO R D
FUTURE50 WINNERS
Since launching Insurtech Insights in 2018, We’re about to see more changing in the next 5 to 10
years than anything we’ve witnessed in the past few
the startups and scaleups reshaping insurance,
and intelligence on how other insurers are innovating.
our vision has always been to surface exciting, hundred.
And that leads me nicely on to the Future50 series.
talented insurtechs who are reimagining the The plot twist is this change won’t be coming from
the insurtechs. It will be coming from a mix of
I truly believe there has never been a more critical
time to track and monitor emergent startup activity
future of insurance. BigTech, retail and reinsurers. It’s these new entrants
who will start to own the customer relationships,
across the world. The Future50 Americas has been
carefully curated from tens of thousands of candidate
fundamentally re-architect the product of ‘protection’ startups, with input and critical analysis from some
Nothing could epitomise that vision better than the Insurtech Insights’s global network and mission to and move incumbents into a back-office function. of the most experienced and influential names in
winners of our first Future50. This book is a showcase provide actionable insights makes us the number the industry.
of the most innovative examples on the market one catalyst for innovation in the insurance industry. So what of the insurtechs?
at the moment. In this edition, we are focusing on We are already excited to be researching the Naturally as the market evolves at such a pace,
the Americas, but we will soon be announcing our Future50 Europe. Who knows what the landscape Well, they may well hold the key to ensuring there will already be updates to these companies
winners in Europe and Asia, too. will look like then. incumbent insurers remain relevant and competitive. by the time you’re reading this. As such we’ve
Big insurers recognise the need to innovate. And yet collated the 50 into a Watchlist which you can
We were blown away by the wealth of insurtechs We will be integrating the Future50 initiative as most still struggle to step out of incrementalism when access and subscribe to within Sønr: sonr.global/
to choose from. Thousands were nominated, and part of our events in Europe, US and Asia as they it comes to transformation or innovation activities. future50americas. If you have any questions on the
whittling them down wasn’t easy. It was only natural start to return in 2022 – so look out for them there. What’s become clear is the most effective and rapid companies selected or would like to subscribe to
that we partnered with Sønr – the world’s leading I personally look forward to seeing you at one of route to innovation is through Open Innovation by Sønr, please do get in touch.
market intelligence platform for the insurance sector our next events, too. partnerships with innovative startups.
– to rank our Future50. The first big thanks must go Best regards,
to them. Thank you for your continued support. Why try to build in-house when a) you’re not set up
for it and b) there is already an insurtech in-market Matt
We are also indebted to our panel of industry-leading Kristoffer perfectly aligned to your strategy? Plus, depending
judges, all of whom have been so generous with on the stage of the startup, there’s a very good Matt Connolly
their time and expertise. There is more on who our Kristoffer Lundberg chance it’ll already have product-market fit and be Founder and CEO at Sønr
judges are and how they rated each company on the CEO of Insurtech Insights looking to partner with an incumbent. sonr.global
following pages. On each of our winners’ pages are insurtechinsights.com
also selected notes from our judges. At Sønr we’ve built a business to help insurance
companies discover and create new business
This book shows how fertile the insurtech industry opportunities. It is, by now, the world’s number one
is, and how much change is currently going on in insurtech scouting and open innovation management,
insurance. We think these companies will shape the used by some of the best known insurers globally
insurance landscape for a long time to come. To help including Allianz, Bupa, Munich Re and Tokio Marine.
you make sense of the winners, we have dived into
their backgrounds and spoken to their founders. Sønr tracks millions of companies around the world
and provides insight on the latest market trends,
4 Insurtech Insights Future 50 5
HOW WE CHOOSE OUR WINNERS O U R J U D G I N G PA N E L
We thought we’d share some of the methodology for The Sønr Index evaluates millions of data points N AT H A N S H A N AG H Y EDDIE AHMED
selecting the Future50 Americas. across the following criteria: Chief Operating Officer Chairman, President and CEO
• People: The key people across the business, AON UK MassMutual International
Who is included? taking in factors such as where they have studied,
their past involvement with startups
or notable companies, their known network, B E N LU C K E T T J OA N N E S A F O
As we were keen to feature the emergent innovation Chief Innovation Officer Global Chief Innovation Officer
coming out of the Americas, we limited our selection and whether they are considered experts in
their field. Aviva Digital Partners at Munich Re (Group)
to those that met all of the following three criteria:
• A head office in either North or South America, • Product: Including the core tech stack of
with a founded date within the past 10 years the business, patents they have registered, FRANK DESVIGNES PAU L T Y L E R
• If the company has raised venture capital then the customer problem they have overcome Global Head of Open Innovation Chief Marketing Officer
their latest investment stage must be no later and any exceptional tech or experience they have AXA Next Nassau Financial Group
than Series A at the time of judging created.
• They have not been acquired or are a publicly • Performance: Growth metrics such as downloads,
listed company partnership, investments and traction. And other INJI CHARKANI FRANK EIJSINK
attributes including financials, market sizing and Chief Innovation Officer President and CEO
performance traction to date. AXA Partners NN Life Japan
How did we collect data?
This allowed us to refine the list down to
To make this the most credible insurtech ranking 100 companies. DR. ALEXANDER W I L L P R I TC H E T T
globally, we needed to start our research with BOCKELMANN Group CIO
the most credible data in the market. Royal London Group
Whose opinion did we seek? Group Chief Transformation Officer
Baloise
And for that, there is only one company –
Sønr Global. We then assembled a group of world class industry M A S A S H I N A M ATA M E
experts to act as judges and made sure each startup MARK GLENN Group Chief Digital Officer,
Sønr is the world’s number one startup scouting and was critically evaluated and scored by at least four Global Chief Transformation Officer Managing Executive Officer,
open innovation management platform designed independent experts. Bupa Tokio Marine Holdings
specifically for insurance. It tracks more than two
million companies globally and has clients across Ultimately this provided us with a ranked top 50. DAV I D P R I E S T LY
the Americas using it to source new opportunities R YA N K I M Chief Digital Officer
for growth and innovation. And finally... Group Chief Digital Officer Vitality
FWD
Working with Sønr we were able to evaluate Ranking the Future50 Americas was a process that
M AG DA R A M A DA
thousands upon thousands of insurtechs across took months to complete and the final 50 were STEPHEN RHEE
the Americas. selected on 1 June 2021. Undoubtedly, by the Chief Digital Officer SARASOLA PhD
time you read the final report, a number of these Gallagher InsurTech Innovation Leader (EMEA)
How did we rank them? companies will have already raised a Series B or Willis Tower Watson
have been acquired.
S T E V E N Z UA N E L L A
Once we had compiled a longlist of potential
We’re okay with that. We see it as a validation of the Group Chief Digital Officer STEN SAAR
companies, we scored them using the Sønr Index Chief Executive Officer
– a technology developed by Sønr which scores quality we’ve selected! Generali
Zego
startups on their propensity to succeed.
To make sure you’re included in the Future50
Amerias 2022 or have any questions on the MORGAN SPILLANE
methodology please contact future50@sonr.global. IT & Change Mgmt Director
Legal & General
6 Insurtech Insights Future 50 7
Founded in 2019, Nayya is a software TOTAL DIS CLO S E D F U N D I N G
$13.7m*
and data infrastructure company focused
on decision support and engagement for LO C AT I O N
New York, USA
employee benefits.
FOUNDER
It offers tailored guidance on selecting different Sina Chehrazi,
health insurance options, HSA/401(K) education, Akash Magoon
and finding cost-effective healthcare.
Nayya states it uses over three billion external
data points, including around 200 million rows of
claims data, and thousands of data integrations
to simplify the customer journey for employees
choosing and using a personalised benefits plan.
Its employee engagement product tracks
spending to guide consumers when filing claims,
manage spending accounts, and helps users find
the best prescription locations.
Nayya’s customers and partners include
Guardian Life, Unum and American Public Life,
and it has alliances with seven of the 15 largest
national benefit firms in the US, including Acrisure
and NFP. It reaches tens of millions of people
through its various partners and integrations, FUTURE50
and, since 2020, has tripled its team size. SCORE:
Nayya raised $11m (£7.8m) in Series A funding in
January 2021 led by Felicis Ventures, with other
participating investors including Guardian Life
and Unum Group.
In Q1 2021, Nayya achieved its strongest
quarter to date, tripling its recurring revenues
in three months.
*Total disclosed funding following
Series B: $50.7m
Pictured: Sina Chehrazi
8 Insurtech Insights Future 50 9
FOUNDER Q&A “Get comfortable with the unknown and don’t worry
about the noise. As a founder and CEO, you will
always be forced to make a decision without fully
understanding what may come next.”
Why is now an exciting time to be The funding also represents a shift in the entire Name one mistake that you have What problem did you see in the
a rising insurtech? ecosystem. The future of insurance started 15 months made, and what you learned from it? market that led you to create Nayya?
ago in Covid and will continue for four to five years.
It’s such an exciting time to be a rising insurtech It will be a painful shift towards the consumerisation As a CEO, you need to make sure that you are open Beyond just the natural confusion and stress that
because the stakes have never been higher – of insurance. It will affect brands and how they are to feedback and to different perspectives. At the comes along with choosing your benefits during open
and what I mean by that is, we have the ability to created, products and how they are constructed – end of the day, it means that you aren’t just asking enrollment, the financial burden associated with our
solve real problems that everyday Americans face we will sit between you as the consumer and the for feedback but are willing to take the time to healthcare is just mind boggling. With over 600,000
when it comes to their healthcare and benefits. insurance world and make it less painful. absorb it. A huge part of our success at Nayya is our Americans filing for bankruptcy every year due to
commitment to feedback as a company, embracing it, medical bills, we knew there was an obvious problem
so we can continue to execute on diversity of thought and we wanted to solve it immediately. That’s what
What has been the highlight of your If you could meet yourself on the to achieve our goals. led to the creation of Nayya and what is driving our
career to date? day you started your business, efforts moving forward.
At the end of every quarter I ask the entire company
what would you tell yourself? to share feedback on the work that I am doing.
We just raised a $37m (£26.6m) series B round, co-led
by ICONIQ Growth and SVB Capital. While it was Get comfortable with the unknown and don’t worry
What should I start doing? What should I stop doing? How will the product evolve
What should I continue doing? I literally post
extremely satisfying to be able to raise such a round about the noise. As a founder and CEO, you will everyone’s feedback on me to the whole company. from here?
with these types of leading investors, I’d say that always be forced to make a decision without fully The mentality culturally here is that everyone
the highlight of my career has been working with so understanding what may come next. And at the including me is a masterpiece in progress and At Nayya our northstar is, and always will be, the
many talented people here at Nayya. Our success same time, you need to remain focused on the through open discussion through what is working consumer – and that guiding principle will lead our
is a testament not only to our commitment to growth task at hand. Building a company is hard enough, we can all improve. product innovation efforts. Our mission at Nayya is
but in driving innovation forward on behalf of the but remaining comfortable and focused is key to to give all consumers financial peace on their best
consumer. being successful. I got feedback early on about the sales process. days, and confidence on their worst. But our vision
Sometimes you spend so much time recruiting sales is to make sure that everyone’s healthcare is simple,
This series B funding will help us to mobilise. Most I hope in 10 years time I can look back on now people that are “full stack” – when you treat them personalised and stress-free. And we will continue
people when they see our product their response is and say “We built a great place to work”. If Nayya just as salespeople they are perceived only as to evolve and enhance our product to improve the
something synonymous with “Wow”. That’s because continues at this rate of growth it will be a very big salespeople. Sometimes what they need is space. healthcare experience and journey for everyone.
our close to 70 customers and counting think of company. If you don’t build a great place to work, One thing I love, if you work in business development
Nayya as the best kept secret in the world. would it have been worth it? I would like for our at Nayya, people don’t see you as a salesperson,
The secret is becoming less of a secret, and the legacy to be that this is a place that people came, they see you as a consultant.
funding was a reaction of people who saw what was spend a chapter of their careers and were motivated
going on and said “How can that still be a secret?”. to overcome challenges and move onto bigger and
better things. We are doing a good job so far.
But it is always a work in progress.
10 Insurtech Insights Future 50 11
FOUNDER Q&A “Never underestimate, or be intimidated
by, the complexity of the industry.”
Why is now an exciting time to be What has been the highlight of your
Founded in 2018, AgentSync provides a TOTA L D I S C LO S E D F U N D I N G
a rising insurtech? career to date?
$36.1m
digital platform to contract and onboard At AgentSync, we believe that technology will Niji: In 2018, I decided to take the leap to found
new insurance agents for agencies, LO C AT I O N enable scaled innovation across a massive, AgentSync, which was a fairly radical departure
carriers and managing general agents Colorado, USA fragmented industry. We’re tackling one segment
of the industry – the broker ecosystem – enabling
from my prior roles in Sales Operations. Making
this massive life decision is a highlight Jenn and
the seamless adoption of modern systems that I share as we made the decision together over
(MGAs). FOUNDER enable interconnectivity, increase efficiency, dinner in the kitchen that became AgentSync’s
remove barriers to entry for newcomers and first office.
Niranjan Sabharwal, unlock growth for incumbents.
AgentSync integrates directly with the National Jenn Knight Insurance as an industry is over 300 years old,
If you could meet yourself on the day you started
your business, what would you tell yourself?
Insurance Producer Registry as well as Salesforce,
which drastically reduces the amount of time spent and the massive US insurance market is valued
onboarding new agents as well as centralising data at over $1.32tr (£950bn). The insurance industry Jenn: Never underestimate, or be intimidated by,
and submissions for licensing. has remained much the same for decades and is the complexity of the industry. The most fun build
deeply fragmented and entrenched in antiquated is the one you didn’t think could possibly happen.
They have a monthly subscription model, with clients systems, manual processes, and mind-boggling
including Hippo, Lemonade, The Zebra as well as complexities. The task of delivering an insurance Niji: Hire more engineers.
corporates such as Centene. product is rife with dozens of steps which, with the
existing systems and processes, require tedious Name one mistake that you have
AgentSync has seen significant growth in recent manual management. Every step of the process
years. The founders say their revenue grew six- is slow-moving, manually handled and prone to
made, and what you learned from it.
fold in 2020, and ten-fold in 2019. The venture also human error which can lead to lost revenue and
At the beginning we over-indexed on “exciting”
multiplied their valuation 10 times to $220m (£155m) pose compliance risks.
in the space of eight months: raising a $25m (£17.6m) automation, which overlooked some very
Series A round in March 2021, less than a year real considerations our customers have when
Recently, insurtechs have focused on truly solving
after raising a ‘Seed-Extension’ of $6.7m (£4.7m) in determining how to move forward with agent
insurance problems and have gained enough
December 2020 and a $4.4m (£3.1m) seed round onboarding at scale. While we know that
traction to make real change, to raise the bar.
in August 2020. automation has a role to play, we had to take a
Systems have never been more integrated and
FUTURE50 step back and map out a more practical approach
have never been more connected.
SCORE: for reducing manual touches while preserving
the need for strong oversight in the flow. It was
AgentSync is one piece of this broader evolution.
a powerful reminder that in order to truly solve
We’re modernising one very specific, very
the customer’s problem, you have to deeply
antiquated piece of the insurance process:
understand where they are today.
how brokers and insurers connect.
Pictured: Niranjan Sabharwal, Jenn Knight
12 Insurtech Insights Future 50 13
FOUNDER Q&A “Every time that we chose the secure
and comfortable path, we should
have turned instead to the bold
and transformative option.”
Why is now an exciting time to be
Founded in 2014, Jooycar has developed TOTA L D I S C LO S E D F U N D I N G turned instead to the bold and transformative
option. When we follow the path of innovation
$3.9m a rising insurtech?
a B2B2C connected car platform, offering Insurtech companies are delivering growth and
we succeed.
customised insurance services for both LO C AT I O N innovation into the industry. Moreover, they are
What problem did you see in the
personal and commercial lines customers. Santiago, Chile redefining the role that insurance plays in society.
market that led you to create
By changing the playing field from risk transfer Jooycar?
FOUNDER to risk prevention, insurtechs,in collaboration
with incumbents, are making the world safer
It’s a telematics-based offering – comprising device
and app, enabling them to offer both pay-per-mile
Maria Gillet, and expanding insurance coverage to
Our founders, Maria Paz Gillet and Emilio
Figueroa, identified a market inefficiency in that
and behaviour-based policies. Emilio Figueroa underserved segments. two out of three safe auto insurance customers
overpay and subsidize one-third of risky drivers.
The device and app also provide information on We are excited to be a rising insurtech within the Therefore a usage-based insurance platform could
maintenance needs as well as proactive guidance automotive insurance industry, improving driving provide access to better prices, more transparency
on how to improve driving style. Jooycar has also behaviour, reducing CO2 footprint, and providing and trust by changing the paradigm of the
developed a fleet-focused offering, Fleetr, designed access to new options for insurance. traditional way of pricing auto insurance products.
for small and medium-sized enterprises (SMEs) It would also provide access to insurance to safe
with light-vehicle fleets. drivers who could not afford it before.
What has been the highlight of your
At time of publication, they have processed over
63.5m miles, and insured over 17.5m trips. Jooycar
career to date? As we grew, with HCS capital as our strategic
investors, we discovered that small fleet owners
has partnerships with multiple insurers, including are another underserved segment that is often
Consorcio, Quálitas, and Sura. The Chilean insurtech
The most important achievement in my career has
been the execution of a bold strategy at Jooycar, overcharged for auto insurance due to losses of
has also expanded to Mexico and Peru, and launched
leading to 300% growth per year, expansion of our the larger fleet segment.
in the United States in 2021.
footprint to four countries and the development of
a top notch and diverse management team.
How will the product evolve
If you could meet yourself on the from here?
day you started your business,
The product will evolve to provide tools and
FUTURE50 what would you tell yourself? incentives for personal drivers and fleet owners to
SCORE: reduce their total cost of ownership and increase
Keep believing in people and maintain a passion
safety. We will use rewards and scoring to report
for winning and scaling a business.
on drivers’ behaviours and suggest ways to
improve it. In addition, we are moving to offer more
products and services to drivers and fleet owners,
Name one mistake that you have such as re-sale data, insurance payback and auto-
made, and what you learned from it. parts discounts.
Looking back, every time that we chose the
Pictured: Maria Gillet, Rodrigo Labbe,
secure and comfortable path we should have
Emilio Figueroa
14 Insurtech Insights Future 50 15
FOUNDER Q&A “It’s important to get something out
there for your users to test and give
you feedback on.”
Why is now an exciting time to be Name one mistake that you have
Founded in 2018, PolicyMe offers TOTA L D I S C LO S E D F U N D I N G
a rising insurtech? made, and what you learned from it.
$3.3m
Canadians a digital life insurance product, The landscape for insurtech startups has never I would say we have really learned to divide
enabling users to purchase up to $5m LO C AT I O N been better. B2C offerings are still in their infancy and conquer. At the beginning, you want every
(£3.5m) in coverage. Toronto, Canada and make up a very small share of the insurance
market. However, given the willingness of
aspect of the business to be perfect and you want
consensus on everything. Nowadays, we trust
millennials to trust fintech products, we can only the product and technology owners and focus on
FOUNDER expect this market to become more mainstream moving forward as quickly as possible.
in the coming years. We’re excited to see what
Initially starting its journey as an online distributor,
the company has since launched its own fully digital
Andrew Ostro, innovation comes next – both from us and from
insurance product. Jeff McKay, our peers. What problem did you see in the
Laura McKay market that led you to create
The startup helps consumers understand how
much coverage they require and what policy length What has been the highlight of your PolicyMe?
they should purchase by taking them through a
career to date? In a world where almost anything can be bought
short, simple quiz assessing their lifestyle and
financial status. with a few taps of a smartphone, we noticed that
Launching our exclusive insurance product this this simply wasn’t happening with one of the most
year! This new offering allows Canadians to buy important products – life insurance. If the industry
The company focuses on transparency – in 2020,
up to $5m (£3.6m) in life insurance coverage doesn’t meet the changing expectations of newer
PolicyMe revealed it had advised 26% of its 30,000
quickly and entirely online. When we started generations, everyone loses out.
users to not buy a product as they didn’t require
PolicyMe in 2018, we knew we wanted to
life insurance coverage.
revolutionise a decades-old industry by making We know that our customers are busy, and buying
Once they understand what level of coverage easy-to-understand, affordable products that life insurance is only one to-do on a long list of
is necessary, users receive an estimated rate didn’t take weeks to buy. Watching that come priorities. They are new homeowners, parents of
within seconds of entering their details, to life has been extremely rewarding. toddlers, or in a rush to replace a policy that’s
and get an instant decision. about to expire. Our purpose is to make this
traditional and entrenched industry easier,
PolicyMe raised a $3.3m (£2.3m) seed round in If you could meet yourself on the more transparent, and more affordable for
March 2020. anyone who needs it.
day you started your business,
what would you tell yourself?
FUTURE50
I once had someone tell me, “If you are proud How will the product evolve
SCORE: of your minimum viable product, you waited too from here?
long to launch it”. We had so many hypotheses
early on that were completely wrong about. But Today, we’re focused on pushing life insurance
just starting is the hard part – it’s important to get into the digital age right here in Canada.
something out there for your users to test and give
you feedback on. The earlier you can get that
feedback the better, even if it means that all the
bells and whistles aren’t ready yet.
Pictured: Andrew Ostro, Laura McKay,
Jeff McKay
16 Insurtech Insights Future 50 17FOUNDER Q&A “Healthcare is getting impossible to afford
and no-one can assess the quality of what
they are paying for.”
Why is now an exciting time to be Name one mistake that you have
Founded in 2018, Sami is a health TOTA L D I S C LO S E D F U N D I N G
a rising insurtech? made, and what you learned from it.
$16.8m
insurtech offering users access to a In the past, venture capital funds were more We underestimate the impact the pandemic would
full health platform in addition to LO C AT I O N focused on non-regulated or less regulated have on our team at the beginning. We should
their coverage. São Paulo, Brazil markets. At the same time, customers were
more afraid of buying a traditional product from
have invested in more frequent online gatherings
and relationships.
a company they never heard of. Times have
FOUNDER changed and the environment is now much
This includes access to a dedicated team of
Vitor Asseituno,
more friendly for us to create and deliver truly What problem did you see in the
innovative products.
medical professionals and 24/7 text, audio or video market that led you to create Sami?
telemedicine access. Luiz Berardo
Healthcare is getting impossible to afford and
The Brazilian startup also provides free access What has been the highlight of your no-one can assess the quality of what they are
to thousands of gyms as well as access to an career to date? paying for.
ecosystem of 27 apps that focus on physical, mental
and nutritional health. It pushes a preventative
Sami for sure. It’s a dream coming true to use
narrative, proactively encouraging healthy habits.
technology to improve the lives of so many How will the product evolve
people. When I think that 66% of our members
Sami raised $15.5m (£10.9m) Series A funding in
didn’t have a health plan before, I see how
from here?
2020, with the startup revealing that four of the five
much value we are creating to people around
most active funds in the country participated. We expect data will have a growing role each day
us. When I see them using our plan to go to the
at Sami, as membership and usage keep growing
gym, I see how much we are contributing to
and leveraging our understanding about our
change a purchase behaviour and the customer’s
members and our own operation.
understanding of what a health plan is.
If you could meet yourself on the
day you started your business,
what would you tell yourself?
FUTURE50 Keep looking for the best people you can find.
SCORE: It’s totally worth it.
Pictured: Vitor Asseituno, Luiz Berardo
18 Insurtech Insights Future 50 19FOUNDER Q&A “Envision your service offerings if you
could scale the performance of your
organisation’s best agent for all of your
policyholders.”
Why is now an exciting time to be
Founded in 2016, Rozie AI is an TOTA L D I S C LO S E D F U N D I N G
a rising insurtech?
partners and clients that we serve. Alignment of
– values is essential as you select companies to
artificial intelligence-powered customer The culture of customer engagement has become
work and grow with over time.
engagement platform that enables LO C AT I O N increasingly focused on personalisation and Name one mistake that you have
enterprises to design, deliver and North Carolina, USA on-demand service, and insurance is a critical
industry on this landscape. As agents and
made, and what you learned from it.
service teams strive to establish their competitive
manage more human interactions FOUNDER offerings, Rozie enables organisations to create
Working alongside a client, the details of a specific
problem can consume the field of vision. It is
their own interactive experiences. Envision
for their customers across all of Sudha Meghan your service offerings if you could scale the
imperative to remember that we are on a journey
to solve the problem for many. Perspective is
performance of your organisation’s best agent,
their engagement channels. for all of your policyholders, with continuity
critical, and it is helpful to zoom out when working
on specific deployments to consider the patterns
across departments, from billing to claims and of challenges we are addressing.
consultative sales.
This includes both a concierge service to provide
What problem did you see in
support and guidance directly to end-customers as FUTURE50
well real-time intelligence and coaching to front-line What has been the highlight of your the market that led you to create
SCORE:
staff such as contact centres.
career to date? Rozie.ai?
The startup, which was part of Hartford Insurtech Customer experiences in insurance are
In 2018, Rozie won the ACORD Global Innovation
Hub’s first cohort, works across insurance and fragmented and siloed, leading to interactions that
Prize and it was a springboard to meet with
benefits, health, travel and financial services. are disjointed and generic, often when people are
Within insurance, it offers educational marketing and
insurance leaders relating to best practices of
customer advisory and engagement. at their most vulnerable moments. We reimagined
pre-claim consultation, guided shopping and lead the canvas of customer care, where you did not
qualification experiences. Rozie AI can also offer have to repeat your story every time you were
insights based on customer sentiment, engagement During the pandemic, Rozie was able to quickly
mobilise to serve individuals in an interactive and transferred to a different department, or spoke to
and adoption. a different agent. By remembering a customer,
supportive manner, and it has certainly been the
highlight of our contributions to date. from their preferences to their journey, Rozie has
Rozie AI has over 15 clients and engagement partners
demonstrated how customer relationships and
– including Fortune 50 and Global 2000 companies –
loyalty can be nurtured. Our clients, from Fortune
and a global daily user audience of over five million.
100 to Global 2000 companies, have recognised
If you could meet yourself on the over $10m (£7.3m) in annual savings or revenue
day you started your business, growth. Rozie enables organisations to create
what would you tell yourself? personalised customer engagements in a scalable
manner, by enabling intelligent self-service as
The team that you assemble is pivotal to the well as guided advisory for agents and support
success of the firm. We are grateful for an personnel. Business growth and competitive
incredible team, where our collective expertise, success can be realised by better delivering on
intelligence, and skill is rivaled only by our the insurance promise.
kindness and dedication to our mission. While the
importance of the team is a principle traditionally
applied to the company, also important are the
Pictured: Vijay Dheap, Sudha Meghan
20 Insurtech Insights Future 50 21FOUNDER Q&A “Early in our customer interactions, we
used to mistake a “No” as final. But when
we spoke to the business, we’d discover a
different story.”
Why is now an exciting time to be
Founded in 2019, Safekeep helps carriers TOTA L D I S C LO S E D F U N D I N G
a rising insurtech?
of building subrogation units. Our chief data
– scientist is Tom, a trained medical doctor who did
maximise net recovery through the I’m most excited about the plethora of challenges
his post-doc research at Harvard Medical School
and spent his career applying machine learning
subrogation process with their cloud- LO C AT I O N insurers still face in driving growth and profitability in healthcare. And Gabriel, Safekeep’s chief
customer officer, is masterful at empathising
based Claimflo platform. New York, USA while simultaneously improving policyholder
experiences. As an insurtech, if you carefully look with customer needs and spotting talent.
for points of friction in the value chain, there is still
FOUNDER room to be the best-of-breed solution. Our journey
began by co-designing a subrogation solution with Name one mistake that you have
Claimflo provides a range of support for claims teams,
by enriching claims data and extracting valuable
Tom Korach, an innovative insurer. We then found repeatable made, and what you learned from it.
data from claims notes using semantic search built Jeffery To, ways to increase recovery potential up to 37%
with other insurers. That was when we became
on patent-pending sentence encoding. It can also Early in our customer interactions, we used to
run predictive models for each line of business, and Valerio Zhang a real company… almost by serendipity. mistake a “No” as final. For example, a CIO might
monitor regulatory rules across all the US states. say, “We’re already great at NLP and predictive
Finally, it enables effective management of the claims models. Our data scientists outnumber you. We
process with triage and workflow tools. It plugs into What has been the highlight of your don’t need you. Go away.” But when we spoke to
carrier’s in-house systems as well as third party
solutions like AWS, Duck Creek and ServiceNow.
career to date? the business, we’d discover a different story.
The highlight of my career was when I left my day
The startup claims growth in recoveries inside
carriers by more than 30%, increase recovery
job as the global head of insurance at Salesforce. How will the product evolve
My family thought I was crazy. Things were going from here?
potential by more than 20%, and accelerate
payback by three months.
great. But I had a persistent itch to scratch. Since
then, Safekeep won the Global Gold Award in We are continuously improving our predictive
In 2020, Safekeep took part in the 2020 Zurich’s Innovation Championship, won the Global models, rules, workflows and subrogation services
MassChallenge Fintech program and Plug and Play Silver Award from Efma & Accenture, and has unit. The goal of “Subro for everyone” is about
Silicon Valley, while in 2021 the venture announced worked with over nine co-design insurers globally helping insurers and insurtechs who are not
it was joining the sixth cohort of the Lloyd’s Lab through the Fintech Innovation Lab, Lloyd’s Lab, maximising their net recoveries with their existing
accelerator and the Fintech Innovation Lab. FUTURE50 MassChallenge, and Plug and Play Tech. third-party administrators and internal subrogation
They also partnered with Root in 2021. SCORE: functions. They don’t have the time or resources
to maintain subrogation centres of excellence.
If you could meet yourself on the Safekeep is the quickest way to increase
day you started your business, what recoveries with minimal hassle and cost.
Safekeep will evolve, not as a software company,
would you tell yourself? but as a movement. Leave no dollar behind. It’s
good for insurers. And it’s good for policyholders.
I’d say, “Be the best at one thing, find the best
talent, hire and fire fast.” I’ve kissed a lot of frogs,
but I’m super lucky. Kevin, our chief claims officer
came from Allianz and was the former president
of the National Association of Subrogation
Professionals. Our head of products, Andrew,
spent over 15 years at Liberty with a track record
Pictured: Jeffery To
22 Insurtech Insights Future 50 23FOUNDER Q&A “When you can remain calm in a highly
stressful situation, you’re more likely to
see the situation for what it is and you
can act accordingly.”
Why is now an exciting time to be What problem did you see in
Founded in 2015, Thimble offers on- TOTA L D I S C LO S E D F U N D I N G
a rising insurtech? the market that led you to
$28.9m
demand small business insurance for Now is an exciting time to be a rising insurtech
create Thimble?
over 120 professions. LO C AT I O N because the space is growing at a rapid pace. I have a passion for improving spaces that are
New York, USA The pandemic greatly accelerated digital
transformation, and also spurred more on-demand
highly regulated by making them more consumer-
friendly. My previous startup, Hailo, connected taxi
and convenient solutions like ours. For example, drivers with passengers through a virtual platform
Potential customers need only answer three
questions online, and can have their Certificate of FOUNDER this past year we saw a huge explosion in our new (so it was similar to what Uber is now). There
month-to-month service, Thimble Monthly. Clearly,
Insurance within 60 seconds.
Jay Bregman, there’s a strong demand for our type of solution.
were plenty of regulations that made it difficult
for us to build and scale Hailo, but we were
It has sold over 100,000 policies, which can last Eugene Hertz Throughout the pandemic, we were also able to
eventually able to break through to make the app
an hour, day or week (depending on the type of successful. It was a very similar experience with
insurance), or can be purchased via a monthly or introduce a string of products to support small Thimble, but to an even greater extent. Insurance
annual subscription. Insurance can be managed via businesses during a critical time, including Thimble is consistently slow to innovate because it’s simply
a mobile app. Monthly and Thimble Pause. It’s been exciting set up that way. There are hundreds of regulatory
to be able to play a critical role in helping to put barriers that make it hard for companies like
They also launched a Partner API in mid-2020, control back into the hands of business owners. ours to introduce new, innovative products to
enabling automatic quotes through any platform. the market. But at Thimble, with the help of our
It has sold over $175bn (£123bn) in insurance incredible team, we’ve been able to bring down
coverage since its inception, and is used by If you could meet yourself on the those barriers to ensure our customers have
more than 30,000 small businesses. access to flexible insurance coverage for their
day you started your business, what
business, when and how they need it.
Their partners also include Hiscox (since June 2020) would you tell yourself?
as well as more recent agreements with London
Underwriters and Bold Penguin. I would tell myself to always remain calm in the
face of adversity. This is a lesson I’ve learned How will the product evolve
Thimble raised $22m (£15.5) Series A funding in 2019, throughout my career. Being the founder of two from here?
led by IAC and with participation from AXA Venture previous startups, it’s easy to get stressed out
Partners, among others and was part of the Lloyd’s when something doesn’t go your way. I was We plan to continue finding ways to improve
Lab in 2020. actually the founder of a company when the 2008 our products in a way that makes the insurance
financial crisis hit and it completely brought my buying process as quick and easy as possible
FUTURE50 business down. I lost a lot of sleep over it. for business owners.
SCORE: This past year during the pandemic paralleled that
experience in the way that it felt like everything
changed overnight. But now, having more
experience under my belt, I’ve realised that when
you can remain calm in a highly stressful situation,
you’re more likely to see the situation for what it is
and you can act accordingly. This has helped me
immeasurably in the way that I’ve been able
to manage the rest of my team in the past year.
Pictured: Jay Bregman, Eugene Hertz
24 Insurtech Insights Future 50 25FOUNDER Q&A “Any customer can capture a 360 degree
video of a car using a smartphone, and
within a few seconds, we respond back
with an inspection report.”
What would being named a Future50 What problem did you see in the
Founded in 2019, Inspektlabs is a platform TOTA L D I S C LO S E D F U N D I N G insurtech mean for you? market that led you to create
$0.72m
leveraging patent-pending computer Insurtech Insight’s Future50 is the most credible
Inspektlabs?
vision technology to automate inspections LO C AT I O N rankings of insurtech startups in the world. Being a Insurers collect a large quantity of images through
of any physical assets – initially for the Delaware, USA part of Future50 would mean a lot to Inspektlabs
in terms of industry recognition.
assessors and customer apps. However, they don’t
have the capability to process the inspections in
an automated manner.
auto and insurance industries. FOUNDER
Devesh Trivedi, Why is now an exciting time to be
a rising insurtech? How will the product evolve
End-users are guided through capturing a 360 Sanchit from here?
degree video of a car on their smartphone, and Insurtech is transforming the insurance industry,
Inspektlabs can then offer a damage assessment, reducing costs and improving customer service.
car valuation, claim value estimation, fraud analysis
Inspektlabs is a computer vision platform focused
Historically, the insurance industry has been on automation of inspections using photos and
and more within 15 seconds and over 98% accuracy.
largely conservative, but is now opening up to videos. Our key capabilities include damage
By doing this they claim they can reduce the time
technological innovation across the world. This assessment, car valuation, claim value estimation,
required for inspections by 95%.
decade is the most exciting time to be an Insurtech. hygiene check and odometer-VIN readings.
The US-based startup has development centres
in Delhi and Jaipur, and is currently working with Any customer can capture a 360 degree video
multiple companies in the US, Japan and India. If you could meet yourself on the of a car using a smartphone, and within a few
This includes partnering with Liberty General day you started your business, seconds, we respond back with an inspection
Insurance in March 2021 to help automate auto report. Currently, it takes two to three minutes for
policy renewals and claim assessments.
what would you tell yourself? us to process a car inspection. We want to move to
real-time damage and claim assessment of a car.
Focus on the business problem rather than
Inspektlabs took part in the 2020 Barclays
Accelerator, powered by Techstars, as well as the
the technology.
Chiratae Ventures Innovators Program. That same
year the company raised a $600,000 (£423,000) pre-
Series A round led by Better Capital and Titan Capital.
FUTURE50
SCORE:
Pictured: Devesh Trivedi
26 Insurtech Insights Future 50 27FOUNDER Q&A “Being the vanguard of progress
creates challenges that are both
exciting and rewarding.”
Why is now an exciting time to be
Founded in 2019, Powered by data, TOTA L D I S C LO S E D F U N D I N G
a rising insurtech?
address the challenges faced by organisations
when they search for relevant cyber coverage.
$23.6m
AI and continuous risk assessment, Every minute of every day, organisations
However, managing our growth while retaining our
organisation core values of product excellence,
Cowbell Cyber is an insurance MGA LO C AT I O N of every size have to contend with new and innovation and speed in responding to customer
demand is challenging. Our team and our corporate
dedicated to cyber risks. California, USA innovative cyber threats. It has become clear
that a comprehensive approach to cyber risk culture that emphasises diversity, inclusion, quality
management must include cybersecurity and and urgency are our greatest strengths.
FOUNDER cyber insurance as equal partners to mitigate
the consequences of cyber attacks. Insurtech
Founded in 2019, the company maps insurable
threats and risk exposures using AI against a scoring
Trent Cooksley, companies are rising to this challenge by offering Name one mistake that you have
index – its Cowbell Factor. It assesses insurable Jack Kudale, new and original approaches not previously seen
from traditional insurance companies. Being the
made, and what you learned from it
threats and maps them to risk exposures on a
continuous basis, using both internal and external Rajeev Gupta vanguard of progress creates challenges that Nobody could have anticipated the pandemic.
data sources enabling more accurate underwriting are both exciting and rewarding. We adjusted our outlook for a conservative and
and proof of loss to an insurer. challenging year in 2021 while we experienced
exponential demand for cyber coverage as cyber
In January 2020, it launched Cowbell Prime 100, What has been the highlight of your criminals doubled down on their efforts to infiltrate
a tool to enable insurance agents to issue businesses or lock them through ransomware
personalised cyber policies. They have since
career to date?
attacks. My advice is stay on top of the market;
partnered with Benchmark and Obsidian to launch the market will often dictate your pace of growth.
While my career has offered me the opportunity to
Prime 250 – a standalone cyber insurance product
lead multiple organisations that have had positive
to address the diversity of cyber incidents.
The Californian company raised a $20.3m
impacts on their customers, I believe that Cowbell
(£14.3m) Series A in March 2021. Cyber has the potential to change the insurance How will the product evolve
market in regards to how cyber risks are perceived from here?
and accounted for. Starting such a business with a
small team of founders growing rapidly, and now Cowbell Cyber envisions the day when cyber
being recognised for our thought leadership in two insurance coverage and premiums can be matched to
years in such a dynamic marketplace has been an organisation’s cyber risk in near real-time. Imagine
fulfilling and extremely satisfying. a world where cyber risks are quantified as soon as
they are identified and a policyholder is financially
incentivised to remediate such threats as soon as
FUTURE50
SCORE: If you could meet yourself on the possible by their insurer. We refer to this as a closed-
loop management approach to cyber risk with a
day you started your business, virtuous cycle: assess, insure, and improve, then repeat.
what would you tell yourself? This requires tight collaboration between policyholders,
security vendors and cyber insurance providers.
Don’t underestimate the demand for relevant
solutions to complex problems – or the challenges Forward looking policyholders are already engaging
of growing a company founded on the concept us to provide risk visibility to their cybersecurity staff
of closing insurability gaps. Cowbell Cyber’s with the goal to improve the company risk profile
phenomenal growth has demonstrated that on a continuous basis and at all levels: technology,
we have the right approach at the right time to process, and people.
Pictured: Jack Kudale
28 Insurtech Insights Future 50 29A WO R D F R O M J O B S O H I O
Founded in 2020, this Californian startup TOTA L D I S C LO S E D F U N D I N G
$20.5m
provides state-of-the-art risk management
technology to incentivise companies LO C AT I O N
to achieve better safety results. California, USA
As a leader in the financial services sector at
JobsOhio focusing specifically on insurance and FOUNDER
Targeting tricky-to-insure industries, such as David Fontain,
Insurtech, my role is to create and oversee the construction, light industrial, manufacturing and
agriculture, Foresight’s innovative platform ties safety Peter Grant
strategy for growing existing Ohio businesses engagement to insurance savings. Proactive companies
can save on their premiums within just one policy
and attracting new businesses to the State. term. The Foresight platform supports easy claims
reporting and management and includes the ability
to contact medical professionals at the point of FNoL. FUTURE50
JobsOhio is Ohio’s economic development We are all probably familiar with the phrase SCORE:
Foresight uses data from its sister company, Safesite,
organisation with a mission to create a place where “It takes a village”. I believe there is strength in the
to predict incidents, highlight risks and inform
companies thrive and where individuals can enjoy community. Many components go into a financial
underwriting. Safesite has been evaluated by a third-
a higher standard of living. We serve as a catalyst services ecosystem – incumbents, technology,
party actuarial firm and found to reduce workplace
to accelerate growth by investing in communities, workforce, capital – and each play a significant role.
incidents by up to 57%. Founded in California in
helping businesses expand within Ohio and attracting While Ohio has strength in each component, my job
2020, total funding stands at $20.5m (£14.6m).
other businesses to Ohio. is to further improve our position as the fifth largest
ecosystem in the United States.
The partnership between Insurtech Insights and
JobsOhio makes sense because our strategies are I am extremely ambitious but I cannot pursue my goal
focused on connecting the large number of innovators alone. A strategic partnership with Insurtech Insights FOUNDER Q&A
out there to challenge the industry’s status quo. was on my radar immediately and I am impressed
Insurance is one of the oldest financial businesses with the professionalism as well as the quality of Why is now an exciting time to be actually able to thrive in the places
with historically little propensity to change. content. I look forward to the upcoming year and a rising insurtech? where legacy carriers experience their
This has led to a hesitation to partner with startups I am positive great things are ahead for Insurtech. worst pain points.
even though the industry is ripe for disruption. I think now is actually the most exciting
Best regards, time to be a rising insurtech. Our
The insurance industry is going through exciting predecessors proved the necessity How will the product evolve from here?
changes. Witnessing the adoption of tech driven Ron and validity of insurtech; now we get
solutions to innovate is certainly energising. to roll up our sleeves and do the work We’ll bring our safety-driven pricing
With a strong incumbent presence, availability Ron Rock of honing in on each function of the model to more businesses through
of venture capital funds, and robust tech talent, Senior Director of Insurance at JobsOhio insurance transaction, using data to expansion and of course, through
Ohio is the place to be. make the process smarter. At Foresight, the appointment of broker partners
where Workers Compensation is our eager to have a lasting impact on
There is a place in the market for both larger bread and butter, we find that we are their clients’ companies.
incumbents and startups alike so partnering
together for the greater good, makes total sense. Pictured: David Fontain
30 Insurtech Insights Future 50 31Founded in 2016, this AI-based risk TOTA L D I S C LO S E D F U N D I N G
Founded in 2017, Ianacare is a healthcare TOTA L D I S C LO S E D F U N D I N G
$37m $3.0m
analytics platform combines cyber platform, specifically for the 50 million
insurance with security measures to LO C AT I O N US caregivers – providing them with LO C AT I O N
reduce risk for large companies with pre- California, USA practical and emotional support to help Massachusetts,
USA
breach, hardening and claims services. FOUNDER care for their loved ones.
Vishaal Hariprasad, FOUNDER
Their proactive approach of assessing an Raj Shah, This includes the ability to update family, seek Jessica Kim,
organisation’s information security prior to writing advice on medical care, accessing benefits or local
coverage enables them to work with clients to mitigate Davis Hake services, help with practical tasks like collecting Steven Lee
vulnerabilities before they can be exploited. This helps groceries or prescriptions to coaching and support
tackle the full range of cyber exposures from spear from professional caregivers. It is also available as an
phishing attacks to ransomware and data breaches. employee benefit and partnered with Anthem in 2020
as well as raising $3m (£2.1) in seed capital.
Company president Mario Vitale says: “Combining FUTURE50 FUTURE50
cyber security technology with senior underwriting SCORE: SCORE:
talent mitigates risk prior to policy issuance and
encourages insured companies to maintain a vigilant
security posture.” Set up in 2016 in California, the
company raised $37m (£26m) venture funding in 2019,
with investors including Founders Fund.
FOUNDER Q&A
What has been the highlight of your If you could meet yourself on the day
career to date? you started your business, what would
you tell yourself?
We have proactively seen changes in
our clients throughout the lifecycle of I would tell myself that you never
their policy. It’s wonderful to see that know when the market will shift from
our value is helping our clients defend a soft market to a hard market, and
against threats with an offering that we back again to a soft market. So stay
have created. true to your vision and take advantage
of opportunities as they present
themselves each time.
Pictured: Vishaal Hariprasad
32 Insurtech Insights Future 50 33Founded in 2017, Saive is helping tackle TOTA L D I S C LO S E D F U N D I N G
Founded in 2018, Unum ID enables users TOTA L D I S C LO S E D F U N D I N G
$0.15m $2.9m
one of Latin America’s biggest problems: to securely access and share verified
road safety. LO C AT I O N identity data. LO C AT I O N
Mexico City, Mexico California, USA
In Mexico alone, 32 people die a day on average in Once encrypted, the user’s details can be used to
traffic accidents, while the 500,000 yearly incidents FOUNDER automatically verify identity across channels within FOUNDER
equate to $5bn (£3.5bn) in annual losses.
Moses Maislim, a single or among multiple companies in seconds.
As well as powering KYC processes it helps eliminate
Aidan McCarty,
Saive created a free mobile driver score that Salvador Rochin behavioural fraud and provides its users with Liam McCarty
measures driver behaviour in order to provide low- unmatched privacy and security. Crucially, the user
cost insurance. Potential users have their driving stays in control of their personal information.
analysed and are scored on acceleration, braking,
speed, cornering as well as distracted driving such The company raised undisclosed seed funding in
as texting or looking at the phone. April 2021 from Franklin Templeton, was accepted for
Plug and Play in 2021 as well as receiving backing
Good behaviours translate into premium savings as from Samsung Next and Draper Associates.
well as discounts and benefits from online stores and
restaurants through the duration of the policy.
Founded in Mexico City in 2017, Saive is now FUTURE50 FUTURE50
targeting the hispanic market in the USA, with total SCORE: SCORE:
funding standing at $150,000 (£106,000).
FOUNDER Q&A
FOUNDER Q&A
What would being named a Future50 Why is now an exciting time to be a
Name one mistake that you have made, What problem did you see in the market insurtech mean for you? rising insurtech?
and what you learned from it. that led you to create Saive?
Insurance is the hidden glue that holds The biggest missing piece in our digital
When I first became a Director, I tried to More than 70% of the car insurance our market economy together, and new world is trusted human identity. How do
take on everything myself, from the day- price goes directly to pay for collisions. identity technology has the potential to you know with confidence who someone
to-day operations to making all of the In Mexico insurers pay more than $5bn make it dramatically more effective. is online? Enabled with new technology,
big decisions. I learned the hard way that (£3.6bn) annually due to material We are thrilled to play a part in bringing insurance is the perfect vehicle to
the best leaders know how to delegate damages. This is why we are introducing that technology to market. establish real human identity on the
and trust their team. Since then, we have car telematics to improve people’s web. Never has the need for verifiable
better progress letting smart people help driving behaviour to reduce collision rate. digital identity been higher, and never
me make the best decisions. has the time been more ripe.
Pictured: Moses Maislin,
Salvador Rochin-Saive Pictured: Liam McCarty, Aidan McCarty
34 Insurtech Insights Future 50 35You can also read
