Mobile Insurance. The Elephant in the Room.

---

The numbers look strong — but customers don’t feel the same.

In the late 90s, mobile insurance was an innovation. It quickly became a cornerstone of the telecom offer. Sold at the point of sale, it helped carriers retain customers and enjoy strong margins.

At first, billing was separate. Insurance showed up as its own line item on the monthly statement — and many customers canceled early, especially those who never made a claim.

When billing was rolled into the wireless plan, everything changed. Customer stay grew. Revenues and margins jumped. Why? Because customers lost visibility — or found it harder, or less convenient, to cancel.

The numbers looked better, but sentiment didn’t. Many still felt it wasn’t fair.

Today, integrated billing programs hide the underlying issue: customers’ true feelings about the product. Providers push for integrated billing because they know the financial impact, but they dismiss the deeper problem as long as the spreadsheets look good.

That’s the elephant in the room: programs that look profitable on paper, but don’t leave customers happy. The dissatisfaction never went away — it was just suppressed.

A New Approach: Fair for Everyone

Our solution makes it fair — for both customers and partners. With patented Behavioral Intelligence technology, low-risk customers who don’t make claims are recognized with favorable pricing. They feel valued. The result: happier customers who stay just as long — or longer.

When paired with integrated billing, the story changes completely. Customers who care can use the app to earn better pricing, which improves both their experience and their perception of the provider. Partners offering the product can finally feel confident they’re selling a program that enhances market trust and brand reputation.

With Behavioral Intelligence, the status quo has changed. There are no more excuses.

For partners, it means the same — or better — margins and revenue. Only now, those results come with customer goodwill. And because our technology layers seamlessly into existing programs, there’s no disruption to current flows.

And this extends well beyond mobile insurance. The same technology creates opportunities across protection, trade-in, and embedded ecosystems.

Programs customers will trust — because they finally feel the model is on their side.

Fairer. Smarter. For Everyone.