The World’s FirstLifestyle-based insurance

Platform

~70%of people are either actively

disengaged or indifferent with their insurance carriers

Problem

Source: http://www.pewresearch.org

Insurance today is sold not bought.Traditional players mainly sell to buyer’s fearsor because of their mandatory obligations.

A problem with this approach is that it doesn’tmatch with the needs and demands of thenew generation of consumers who wantpersonalized insurances, delivered just-in-time and through the right channel.

The worldwide $4.6 trillion insurance industryis about to experience one of the biggesttransformations of all time.

The InsureApp platform automatically generates a user profile and enables engagement at the right moment, with the right product, through the right channel

LegalDriver

17Ld

LongCommuter

2Lc

EfficientDriver

11Ed

HealthyBiker

5Hb

Sportive

8S

RestoLover

9Rl

Distracted Driver

16Dd

SocialActivity

21Sa

UberParent

1Up

DogWalker

2Dw

InsureApp’s revolutionary approach to customer engagement is part of a three-layered Engagement-as-a-Service (EaaS) platform

Engagement Insurance

• Automated engagement based on user profiles and/or real-time events

• Personalized notifications to enable customer engagement and retention

• Commercial triggers for cross- and upsell of insurance products

• Coaching & Gamification to leverage real-time prevention

• Personalized insurance products (including actuarial modeling)

• Dynamic & Machine learning Pricing

• Comparison Engine & Instant coverage

• On-demand insurance based on ad-hoc and contextual needs

Profiling

• Contextualized data gathered from smartphone sensors, IoT devices and/or services

• User profiling & segmentation based on leading AI technologiesConsumer

Insurancecompany

Smartphone

Wearable

InsureApp EaaS platform

InsureApp offers three value propositions

LIFESTYLE-BASED

HEALTH & WELLBEING

LIFESTYLE-BASED

TELEMATICS

LIFESTYLE-BASED

EMBEDDED INSURANCE

On

Off

Target market• Car insurance

• Leasing & Fleet management

• Rental

• Car-sharing

Target market• Financial services

• Telecom operators

• Utilities

• Retail

Target market• Health & Life (re)insurers

• Large enterprise (HR)

Value proposition• Around 50% cheaper than traditional

telematics solutions (e.g. Dongle-

based)

• Broader and deeper user insights

besides driving style (Braking,

Accelerating and Speeding) also the

purpose and context of a trip

• Leverage user insights and lifestyle

patterns to improve original offering

or to create new value added

services

Value proposition• Additional revenue stream based on

commissions (non-insurer)

• New distribution channel (insurers)

• Cross- & Up selling of insurances

based on user insights and lifestyle

patterns

• Leverage user insights and lifestyle

patterns to improve original offering

or to create new value added

services

Value proposition• Broader and deeper user insights

besides Physical activity (eg. Total

steps per day) also the Social activity

(eg. Going out for dinner or to a

Museum) combined with overall

Work-Life balance

• Including optional Wearable

integration for detailed person health

measurement such as sleep quality

or acute stress

Utility Telco RetailBank

Bank

USAGE

ELECTRICITY

PROVIDER

OVERVIEW

BALANCE

€ 214,50

TRANSACTIONS

DETAILS

Overview of recent transactions

PROVIDER

§ Groceries €21,55§ Bakery €6,50§ Cinema €19,99

VIEW MORE

INSURANCES

ACTIVATE

HOME

Your smartphone insured for accidental damages for €9,95 p/m.

ACTIVATE

TABLET

Medical and accident coverage when abroad for €1,50 p/d.

PET

Your bike insured for theft and accidental damages for €2,50 p/m.

PROVIDER

INSURANCES

ACTIVATE

SMARTPHONE iPhone 7

Your smartphone insured againstaccidental damages for €9,95 p/m.

ACTIVATE

TRAVEL

Medical and accident coverage when abroad for €1,50 p/d.

BIKE

Your bike insured against theft and accidental damages for €4,50 p/m.

PROVIDER

Utility

USAGE

ELECTRICITY

PROVIDER

KwH

INVOICES

Your next invoice of 90,75€ will be deducted at January 15, 2018 from your account

INSURANCES

ACTIVATE

HOME

Your home insured against burglary, flood and fire for €29,95 p/m.

ACTIVATE

TABLET

Your tablet insured against accidental damages for €9,95 p/m.

PET

Your dog insured against medical costs for €5,50 p/m.

PROVIDER

Telco

USAGE

ELECTRICITY

PROVIDER

USAGE

MINUTES

You have used 375 minutes (75%) of your total of 500 minutes.

DATA

375min 500min

5GB 10GB

You have used 250 txts (25%) out of1000 and 5GB (50%) of 10GB.

250 1000

PROVIDER

INSURANCES

ACTIVATE

HOME

Your smartphone insured for accidental damages for €9,95 p/m.

ACTIVATE

TABLET

Medical and accident coverage when abroad for €1,50 p/d.

PET

Your bike insured for theft and accidental damages for €2,50 p/m.

PROVIDER

INSURANCES

ACTIVATE

SMARTPHONE iPhone 7

Your smartphone insured againstaccidental damages for €9,95 p/m.

ACTIVATE

TRAVEL

Medical and accident coverage when abroad for €1,50 p/d.

BIKE

Your bike insured against theft and accidental damages for €4,50 p/m.

PROVIDER

Retail

CATEGORIESPROVIDER

Smartphone Tablet

Pet toysPet food

Shoes Backpacks

INSURANCES

ACTIVATE

SMARTPHONE

Your smartphone insured against accidental damages for €9,95 p/m.

ACTIVATE

TABLET

Your tablet insured against accidental damages for €9,95 p/m.

PET

Your dog insured against medical costs for €5,50 p/m.

PROVIDER

The InsureApp platform can be integrated into any app and can be applied in any industry. From Financial Services to Utilities, Telco’s and Retail.

InsureApp engages through notifications with commercial triggers to cross- and upsell insurance products or coaching triggers to change behavioral aspects

INSUREAPP

Great run!You’ve earned a new reward from your health insurer.

INSUREAPP

Nothing beats a healthy dog walk!Have you considered dog health insurance?

INSUREAPP

Looks like you’re going abroad on a business tripDo you want to activate your travel insurance?

INSUREAPP

One day you’ll run out of luck…Safety first. Don’t text and drive.

Business model

PRICING• B2B approach• Pricing per MAU with

graduated scale• Insurance commissions

(optional)• Contextual data

monetization (optional)

IMPLEMENTATION• App customizations• Backend integrations• Dashboards

Team

Harm VollmullerFounder

Jochem DavidsCEO

Tony DingemanseProduct & Privacy

Frank StrobbeActuarian

Ankita ShettiApp development

Jacob Van PouderoijenLead Software Engineer

Peter SchokkerFounder

Supervisory Board

Eline BlokMarketing

Main officeNewtonbaan 3

Nieuwegein

• Co-founder of Dutch InsurTech Service Provider and MGA RISK

• InsurTech investor• Background in

international insurance Zurich and Willis

• Co-founder of Dutch InsurTech Service Provider and MGA RISK

• InsurTech investor• Background in

international insurance AXA and AON

• Co-owner and CEO of InsureApp

• Former intrapreneur of an Insurance Claims SaaS platform

• Background in international M&A and IT

• Experienced Project Manager in insurance

• Launched several innovative new concepts

• Executive-MBA on Law & Ethics

• Specialized in Data Privacy

• Experienced Project Manager and New Business Marketeer

• Commercial background and certified insurance advisor

• Senior actuarian with insurance background

• Background as Insurance Risk Officer

• Experienced Lead Software Engineer

• Background as software developer

• Professional app developer

• With an international background and a degree from RamaiahInstitute of Technology

Discover all user lifestyle insights included in the InsureApp platformMOBILITY WORK-LIFE

Easy Commuter

Green Commuter

Long Commuter

Normal Commuter

Aggressive Driver

Anticipative Driver

City Driver

Die Hard Driver

Heavy Commuter

Short Commuter

Brand Loyalty

Distracted Driver

Efficient Driver

Illegal Driver

Motorway Driver

Mobility

Frequent Flyer

Legal Driver

Public Transport

User

Home Address

Work Address

Uber Parent

City Home

Dog Walker

Early Bird

Recently Moved Home

Rural Home

Town Home

Work Life Balance

Couch Patato

Night Owl

Sleep Deprived

Social Activity

Business Person

City Worker

Home worker

Late Worker

Parttimeworker

Fulltime Worker

Night Worker

Recently Changed

Job

Rural Worker

Student

Town Worker

Work Traveller

Workaholic

LEISURE

Clubber

Culture Buff

Brand Loyalty

Shopaholic

Healthy Biker

Healthy Walker

Physical Activity

Sportive

Resto Lover

1 2

3 4

5 6

7 8

9

C Bl

Cb S

Hb Pa

Hw S

Rl

1Ec 2Lc 3Ad

4Gc 5Nc 6Ad

7Hc 8Sc 9Bl

10Cd 11Ed 12Md

13DhD 14Id 15M

16Dd 17Ld 18Pt

19Wa 20Ha 21Ff

1Up 2Dw 3Rm 4Pw

5Ch 6Eb 7Rh 8Rj

9Cp 10No 11Sd 12Rw

13Th 14Bp 15Hw 16Wt

17Wl 18Cw 19Lw 20W

21Sa 22Fw 23Nw 24S

25Tw

HEALTH

VO2

Heart rate

VO2 Max

Energy Expenditure

Heart rate variability

Acute Stress

EPOC

Sleep stages

1V 2VM

3Hr 4Ee

5Hv 6E

7As 8Ss

ACTIVITYAbout to commute

home

About to commute to work

About to drop-off

kids

About to pick-up

kids

About to go

shopping

About to sport

About to work at

work

Afternoon drinks

1Ch 2Dd 3ASh 4AwW

14Cw 15Pk 16ASp 17Ad

Breakfast out

Commute to home or work

Home

Dinner out

Evening drinks

Evening entertainme

nt

Kids drop-off pick-up

Lunch out

5Bo 6H 7Ed 8Kd/p

18Ch/w 19Do 20Ee 21Lo

Night out

Shopping

9No

22S

Sporting

Working at work

Working remote

Nearby home or

work

At city

At country

Business trip

Leisure trip

10S 11Wr 12Ac 13Bt

23Ww 24Nh/w 25Ac 26Lt

Data gathered through wearable

Jochem Davids+31683249768

jochem@insureapp.com