''P2P RISK SHARING" END OF INSURANCE AS WE KNOW IT

Risk sharing without costs 30%, taxes 20% and profits 10%. So at least with 60% lower Premiums

 
A ONCE IN A LIFETIME OPPORTUNITY

Are you an entrepreneurial investor with focus and determination, looking for a formula to launch a global internet platform with Uber- and Airbnb-like potential? Are you a commercial heavyweight and appealing figurehead? Do you have an affinity for insurance and franchising? Then RiskShare is your journey to a highly lucrative future as a unicorn co-founder in the next five years. RiskShare will be a revolutionary insurtech platform that will disrupt the insurance industry. You first raise venture capital and create a marketplace by attracting independent advisors. A once in a lifetime opportunity for the right man or woman. Don't hesitate to contact us.


Remmelt Bossema
Founder and 
Developer

Cell phone:  +31 (0) 653 374 097
Email: rbossema@riskshare.nl 

you must first raise venture capital and create a marketplace by attracting independent advisors.

''RISKSHARE'' THE FIRST AND ONLY

RiskShare is the world's first and only true p2p risk-sharing platform. And in such a way that participants only pay premium for each other's claims without the intervention of an insurer or reinsurer and therefore without costs 30%, taxes 20% and profit 10%. As a result, the premiums are at least 60% lower than with traditional insurance. RiskShare stands for the daily sharing of claims by the new and renewing participants on that day. No deposits in advance or refunds afterwards. In this respect, RiskShare works instinctively the same as traditional insurance. However, RiskShare has no expensive buildings, no directors, no chiefs, no front and back office staff and thus no bureaucracy. Risk-sharing in case of death, disability, healthcare, liability, legal aid, travel, damage or loss to car, house and contents, etc. Tagline 'Risk ends where RiskShare begins'
 




BIGGER THAN UBER AN AIRBNB

The premium volume in the insurance industry amounts to no less than 4000 billion euros worldwide. Many times larger than the cab industry (200 billion) and the hotel industry (1000 billion) in which Uber and Airbnb disruptively excel. This makes it remarkable that disruption has so far remained absent from the insurance sector. Now however, there is RiskShare. A p2p risk-sharing platform with mutually agreed terms and at least 60% lower premiums advised and managed by independent advisors. Every person and every family all over the world needs protection from financial risk. RiskShare puts p2p risk-sharing at your fingertips anywhere in the world with nothing more than smartphone and internet. RiskShare is becoming bigger, more agile and more profitable than Uber and Airbnb.

SHARING ECONOMY MODELS

Not
Cabs

Not
Hotels
Not
Insurers
But Car Drivers But Home Owners But Risk Advisors
For Ride-Sharing

For Room-Sharing

For Risk-Sharing
At 40% Discount At 50% Discount At 60% Discount
Offered to Travelers

Offered to Vacationers

Offered to Participants

Via the "Uber" Platform

Via the "Airbnb" Platform Via the "RiskShare" Platform
All over the World All over the World All over the World



BUSINESS MODEL

RiskShare consists of 5 authority-free entities that are legally independent but economically inseparable. In this way, RiskShare forms a decentral sustainable ecosystem of holacracy.

  Network for P2P Risk Sharing

 
 Partnership of Independent Advisors

 
Experts for Handling Claims

  Platform of Risk Sharing Technology 

 Investment Fund of Members


HOW IT WORKS IN BASIC
  • The risk-sharing is advised and managed by independent financial, fiscal, tax, legal and medical (Deloitteadvisors with subscription-based advisory pay. No hidden provisions and commissions. Advisors determine the subscription amount.
  • Clients choose or change an advisor for an advice subscription.
  • Only an advice subscription is required to easily close, pay, claim and cancel risk-sharing schemes by yourself in minutes on a daily basis with advice from an advisor.
  • Advisors ask clients about their preferences regarding risk-sharing terms. In this way, clients mutually influence the premiums. Restrictive or generous conditions lead to fewer or more claims and therefore lower or higher premiums.
  • Advisors submit claims of their clients to a (Sedgwick) expert and pay the expert fees in advance, regardless of whether a claim payment follows.
  • Advisors pay a platform fee per client for the risk-sharing technology and collection of the subscriptions.
  • The risk-sharing network, as the risk bearer, does not have a status and risk-sharing is not a product. So laws, regulations and licenses do not apply.
  • Risk-sharing worldwide with nothing more than smartphone and internet.



    PREMIUMS

    96% of all transactions in the insurance industry involve the collection of premiums. RiskShare has an automated collection process. After in the RiskShare app the premium calculation and closing or cancellation is completed, member is forwarded to PayPal that automatically handles the direct debit or cancellation. All premium transactions are verifiably stored on the private blockchainThis process offers maximum scalability to grow exponentially to many millions of members and transactions without the additional deployment of manpower and systems.


    CLAIMS

    4% of all transactions involve payments to claims. In the RiskShare app, member reports the claim to his/her advisor. Advisor and expert assess the claim. Expert creates a payment link. Advisor approves the link. Member activates the link and accepts the claim settlement by crediting to his/her PayPal account. For each risk pool, premiums are automatically (re)calculated daily to cover the claims paid on that day. In this way, members, both new and renewing, always pay a balanced share. All claim transactions are verifiable stored on the private blockchain.




    AT LEAST 60% LOWER PREMIUMS

    There are millions of self-employed in the labor market without disability insurance due to the high premiums of traditional insurers. Absenteeism due to illness among self-employed is on average below 2%. At RiskShare, premiums are (re)calculated daily, but let's assume an average absenteeism of 4% and a benefit of €2,000.00 per disabled person per month. Then the total monthly claims per 100 self-employed are €8,000.00 or a premium of €80.00 per person per month. Age dependent: €5.00 for an 18 year old, increasing by €3.00 per year to €155.00 per month for a 67 year old risk-sharing self-employed.



    COMPARISON OF TRADITIONAL DISABILITY INSURANCE AND P2P RISK SHARING



      OBJECTIVE

      The 5 year objective is a network of one million clients, a franchise partnership of five thousand advisors and many millions of transactions. At a valuation of 13 times the profit or 8% rate of return, the platform will then have a market value of one billion euros. An IPO will then be considered.  From ten million euros venture capital to one billion euros market value in five years from now. Think big, start small, scale fast.



      REVENUE MODEL

      • Clients: At least 60% premium discount through p2p risk sharing
      • Advisors: €90,000 in subscriptions per year from 100 clients
      • Platform: €96 fee per year per client from the advisors




      PROFIT AT 1 MILLION CLIENTS

      • Platform Fees: €96,000,000
      • Platform Costs: €20,000,000
      • Platform Profit: €76,000,000




      ADVISORS ARE THE KEY

      The RiskShare advisors are the first and only point of contact for advice and claims, and therefore client responsible. They not only represent the interests of their individual clients through fast claims settlement, but also the interests of all their clients for low premiums through fair claims settlement. Moreover, they are not only the key marketing drivers, but also the equivalent of the front and back office of a traditional insurer. This all makes RiskShare extremely digital and extremely personal. The partnership sets the requirements and conditions for the entry of new advisors and the forced exit of fraudulent advisors.



      GLOBAL PRESENCE - LOCAL SERVICE

      Deloitte financial services provides comprehensive, integrated solutions for the banking, insurance, tax and legal advisory sectors. The extensive service and industry knowledge of each Deloitte firm enables them to understand the unique business needs of each client.




      GLOBAL SOLUTIONS - LOCAL EXPERTISE

      Sedgwick brings together local talent and knowledge to offer financial risk expertise worldwide. At Sedgwick, caring about people and organizations counts. From public and private employers to insurers and their policyholders. They deliver the services and expertise wherever you are and whenever you need it.






      CRITICAL SUCCESS FACTORS

      • Billions of people worldwide want to switch to 60% lower insurance premiums
      • Millions of advisors worldwide want an advice income up to €90,000 per year
      • RiskShare forms a decentral ecosystem of holacracy, so without bureaucracy
      • RiskShare is a network without status, so no laws, regulations and licenses apply





      GOING TO MARKET






      STEP 3 NOW

      • Attracting an entrepreneur as a co-founder
      • Raising venture capital
      • Recruiting a small commercial and technical staff
      • Programming the risk-sharing schemes
      • Designing the websites and mobile apps
      • Collaboration agreements with (Deloitte) Advisors
      • Collaboration agreements with (Sedgwick) Experts
      • Promotional actions
      • Launch Q2-2023



        FROM STARTUP

        • A startup founder must change the world and make it a better place
        • A startup founder must convince customers to use a totally new product
        • A startup founder must find an entrepreneur to launch a totally new product

        TO ENTREPRENEUR

        • An entrepreneur needs a startup to launch a successful new business
        • An entrepreneur can easily raise venture capital to finance a new business
        • An entrepreneur has a business structure, a location, a marketplace and customers

          All of these points are significant for both a startup founder and an entrepreneur to consider. Both run a business, although they are very different fom each other. Entrepreneurs mostly offer a service for ordinary life, but startup founders drive the progress of the world. Ultimately, an entrepreneur builds a successful new business with a service or product created by a startup founder.



            Burg. Kolfschotenstraat 4    Tel. +31653374097
5616 DD Eindhoven            platform@riskshare.nl


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