We Achieved Something We Never Even Dreamed About

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When our team began R&D, we were chasing a problem no one else in the industry had solved. The market was dominated by flat pricing models — simple, one-size-fits-all structures that left customers overpaying, insurers absorbing unpredictable losses, and partners with limited room to innovate.

We knew the problem was real. What we didn’t know was if it could be solved.

From Experiment to Proven Dataset

Years of R&D, multiple patents, and proprietary data collection led us to a breakthrough: variable risk pricing.

By building a credible global dataset and actuarial models, we’ve shown that insurers, underwriters, and partners anywhere in the world can now launch risk-based, variable pricing programs instantly.

Why Variable Risk Matters

Variable risk doesn’t just shift the way programs are priced — it reshapes the entire business model:

• Higher Attach Rates

  Fairer, more transparent pricing drives stronger adoption at the point of sale.

• Lower Claim Ratios

  Smarter segmentation balances exposure and reduces overall claim costs.

• Better Lifetime Value (LTV) 

  Customers who feel they’re paying the right price stay longer and remain more loyal.

• Extended Benefits

  Once the foundation is in place, programs can scale with variable deductibles, upgrade incentives, and loyalty rewards, all spinning out from the core model.

  
  

A Milestone for the Industry

What began as a long shot has become a proven platform. Today, our dataset and models allow insurers and partners to bring fairer, more profitable programs to market — instantly, anywhere.

It’s proof that with persistence, data, and innovation, even the most entrenched industries can be transformed.