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  • 04 Feb 2023 09:46 | Anonymous


    It's time to shake things up in the insurance industry with the arrival of RiskShare, the world's first and only true peer-to-peer (P2P) risk sharing platform. With its unique approach, RiskShare offers coverage for a wide range of risks and promises to deliver savings of at least 60% compared to traditional insurance.

    Just like how Uber and Airbnb disrupted the cab and hotel industries, RiskShare aims to revolutionize the insurance sector with its innovative platform. By removing the middleman (insurers and reinsurers), RiskShare participants can pay lower premiums and enjoy a more direct and personal experience. The platform operates entirely online making it fast and efficient.

    Independent financial, tax, legal, and medical advisors play a crucial role in the functioning of RiskShare. The advisors are responsible for building their own client base, providing advice and settling claims, and are the first and only point of contact for participants. The advisors also play a key role in marketing the platform and ensuring its success.

    With billions of people worldwide seeking lower insurance premiums and millions of advisors looking for an income boost, RiskShare has all the ingredients to succeed. Its decentralized ecosystem operates without bureaucracy and its online network of individuals operates without legal status, freeing it from the constraints of laws, regulations, and licenses.

    In conclusion, RiskShare is poised to become the next big thing in the insurance industry, providing participants with a more affordable and personal experience, and offering advisors a new source of income. So don't get left behind - join the RiskShare revolution today!

  • 03 Feb 2023 12:18 | Anonymous


    Ladies and Gentlemen,

    We are here today to introduce you to the future of insurance - "RiskShare".We all know the traditional insurance industry - slow, bureaucratic, and expensive. But what if we told you that there's a new way of doing things that saves time, saves money, and saves the planet? Enter RiskShare, the insurtech platform that's shaking things up and doing things differently.

    Now, we know what you're thinking, "Oh great, another tech company trying to take over the world." But hear us out, RiskShare is not just any tech company, it's an insurtech company that's taking the insurance industry by storm.

    With RiskShare, you don't have to worry about costs, however, you do need to determine your fixed profit. In addition, RiskShare provides coverage for all common riks such as death, disability, accident, health care, travel, liability, legal expenses, damage or loss to car, home and contents.

    And how about no operating costs at all. Quite simply, the platform is completely digital. No front or back office staff needed. It allows clients to easily close, pay, claim and cancel risk plans themselves in minutes. Variable premiums, always lower than the competition, are automatically (re)calculated daily, for each specific risk, to cover claims paid on that day.

    But what sets RiskShare apart is its personalized approach. Clients are advised and managed by independent financial advisors who build their own client base through subscriptions. They are the first and only point of contact for advice and claims, making RiskShare both extremely digital and extremely personal.

    And the best part? The advisors conduct client surveys to gather preferences for risk schemes, which means that clients have a say in their own premiums. Restrictive or generous terms lead to fewer or more claims and therefore lower or higher premiums. That's pretty cool, right?

    Our 5-year objective is to have a platform of one million clients, a partnership of five thousand advisors, and many millions of transactions, leading to a market value of one billion euros.

    So, why not join this exciting journey and be a part of the future of insurance? With RiskShare, you can say goodbye to the boring, outdated insurance industry and hello to a more personalized, efficient, and cost-effective way of doing things.

    Thank you for your time and we look forward to partnering with you.

  • 01 Feb 2023 19:59 | Anonymous

    Geen alternatieve tekst opgegeven voor deze afbeelding

    Are you a visionary entrepreneur with a drive for success and a passion for innovation? Want to launch a world-class internet platform with limitless potential, drawing comparisons to the likes of Uber and Airbnb? Do you possess exceptional commercial skills and an undeniable charisma, as well as a natural affinity for insurance and franchising? And, most importantly, do you have the ability to think big, start small and scale fast? Then RiskShare presents a rare and irresistible opportunity for you to become a successful unicorn founder and reap significant financial rewards in just five years. Join the revolutionary insurtech platform that's set to shake up the insurance industry and make history. All you need to do is secure initial funding and assemble a network of independent advisors. Don't miss this once-in-a-lifetime chance to be at the forefront of industry disruption - contact us today!

    Are you ready to revolutionize the insurance industry? Look no further than RiskShare, the world's first and only true P2P risk sharing platform. With P2P risk sharing, participants pay only premium for each other's claims without the intervention of an insurer or reinsurer, so without costs, taxes and profits resulting in premiums that are at least 60% lower than traditional insurance.

    The RiskShare platform is completely digital. No expensive buildings, no front or back office staff and no bureaucracy. RiskShare is an online network of individuals without legal status, so no laws, regulations and licenses apply. It offer coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents. Tagline "Risk ends where RiskShare begins.

    The risk sharing is advised and managed by independent financial advisors who build their own client base through subscriptions. The advisors themselves pay a fixed fee per client to the platform. They are the first and only point of contact for advice and claims, making RiskShare both digital and personal. And in the end, the advisors are the ultimate marketing channel through no permits needed.

    The platform allows participants to easily close, pay, claim and cancel risk sharing schemes themselves in minutes. The monthly premiums are variable and automatically (re)calculated daily, for each specific risk, to cover claims paid on that day. Advisors conduct client surveys to gather preferences for risk sharing schemes and if desired by the majority, these schemes are introduced. This allows participants to influence their own premiums.

    Our 5 year objective is to have a network of one million clients, a franchise partnership of five thousand advisors and many many millions of transactions. With a market value of one billion euros, an exit will be considered.

  • 01 Feb 2023 19:57 | Anonymous


    Are you tired of being bogged down by traditional insurance with its high costs, mountains of paperwork, and endless bureaucracy? Say goodbye to all that hassle and join the future of insurance with RiskShare! With our P2P risk sharing platform, you can offer your clients coverage with premiums at least 60% lower premiums than traditional insurance and earn an attractive income of €90,000 with just 100 clients. Plus, you don't need any permits to start building your client base.

    The RiskShare platform is fully digital, making it quick, easy and efficient for your clients to close, pay, claim, and cancel risk sharing schemes in minutes. Plus, as their first and only point of contact for advice and claims, you can build a strong, personal relationship with each of your clients and be their ultimate information channel.

    And with RiskShare, your clients can even have a say in their premiums. Conduct client surveys to gather their preferences and if the majority desires it, you can introduce new risk sharing schemes that allow them to influence their premiums.

    Join the revolution and choose the future of insurance with RiskShare. Say goodbye to the traditional insurance world and hello to "Risk Ends Where RiskShare Begins".

  • 01 Feb 2023 19:54 | Anonymous


    Ladies and Gentlemen,

    Are you ready to jump on board the insurance revolution and reap the rewards of success? Look no further than RiskShare, the world's first P2P risk sharing platform. This innovative platform is poised to change the insurance industry as we know it with its unique approach to risk sharing. With premiums that are at least 60% lower than traditional insurance, RiskShare offers an unparalleled opportunity for profitability.

    The platform operates entirely digital, with no expensive buildings or bureaucracy to bog it down, and the best part? No laws or regulations apply, meaning lower costs for participants. With coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents, RiskShare truly has it all.

    Independent financial advisors manage the risk sharing and build their own client base, providing a personal touch to this completely digital platform. These advisors act as the ultimate marketing channel. The monthly premiums are variable and calculated daily to cover claims. The platform allows participants to easily close, pay, claim, and cancel risk sharing schemes in minutes, and client surveys allow participants to influence their own premiums.

    RiskShare has big plans for the future, with a five-year objective of a network of one million clients, a franchise partnership of five thousand advisors, and millions of transactions. With a projected market value of one billion euros, this is an investment opportunity not to be missed. Don't wait, invest in RiskShare today and join the growth and profitability revolution!

  • 01 Feb 2023 10:50 | Anonymous


    Are you ready to revolutionize the insurance industry? Look no further than RiskShare, the world's first and only true P2P risk sharing platform. With P2P risk sharing, participants pay only premium for each other's claims without the intervention of an insurer or reinsurer, so without costs, taxes and profits resulting in premiums that are at least 60% lower than traditional insurance.

    The RiskShare platform is completely digital. No expensive buildings, no front or back office staff and no bureaucracy. RiskShare is an online network of individuals without legal status, so no laws, regulations and licenses apply. It offer coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents. Tagline "Risk ends where RiskShare begins.

    The risk sharing is advised and managed by independent financial advisors who build their own client base through subscriptions. The advisors themselves pay a fixed fee per client to the platform. They are the first and only point of contact for advice and claims, making RiskShare both digital and personal. And importantly, the advisors are the ultimate marketing channel because no permits are needed.

    The platform allows participants to easily close, pay, claim and cancel risk sharing schemes themselves in minutes. The monthly premiums are variable and automatically (re)calculated daily, for each specific risk, to cover claims paid on that day. Advisors conduct client surveys to gather preferences for risk sharing schemes and if desired by the majority, these schemes are introduced. This allows participants to influence their own premiums.

    Our 5 year objective is to have a network of one million clients, a franchise partnership of five thousand advisors and many many millions of transactions. With a market value of one billion euros, an exit will be considered. From ten million euros launching capital to one billion euros market value in five years from now. Join us in growth and profitability. Invest in RiskShare today.

  • 15 Nov 2022 10:55 | Anonymous


    Attention all entrepreneurial investors! Are you looking for a revolutionary new platform that will disrupt the food delivery market? Look no further than QuickFoodies, the ultimate solution for restaurants and delivery drivers.


    KEY FEATURES:

    • Restaurants are responsible for creating and updating their menu on the delivery platform themselves. They may need to provide detailed information about each item, including the name, ingredients, price, and any special instructions or modifications. They may also need to upload images or other media to help customers make informed decisions about their orders.
    • The platform allows restaurants to charge delivery costs directly to customers, providing a streamlined and efficient way to do business.
    • QuickFoodies empowers restaurants to appoint regular delivery drivers and/or set a preference for named deliverers, while also allowing deliverers to designate the restaurants they prefer or exclusively want to deliver for. This flexibility gives deliverers the autonomy they need to thrive as real and unconditional freelancers.

    • With QuickFoodies, restaurants have also the power to determine their own delivery fees, motivating deliverers to work harder and smarter. Delivery fees go directly to delivery drivers unshortened.
    • In addition, QuickFoodies offers deliverers the opportunity to join their own partnership for mutual agreements and for the conclusion of collective arrangements regarding financial and social security.
    • QuickFoodies operates with minimal overhead, charging a flat platform fee per delivery instead of a percentage of sales, and has no expensive buildings, no directors, no chefs, no front and back office employees and therefore no bureaucracy.
    • Creating an account on QuickFoodies is free and without obligation, and with its excellent financial, social and organizational features, restaurants and delivery drivers will gradually make the switch to QuickFoodies.

    Don't miss out on this opportunity to invest in a game-changing platform that will revolutionize the food delivery industry. Join us in launching QuickFoodies in 2023.




  • 27 Jun 2022 07:59 | Anonymous

    Jeff Bezos never gave Brad Stone an interview for his best-selling biography of Amazon, “The Everything Store” (2013). But for “The Upstarts,” Mr. Stone has talked with all the key players at Airbnb and Uber to produce a fun, briskly told narrative that, unfortunately, labors under some burdens. Amazon launched in 1995—when some were still asking, what’s the internet?—and so Mr. Stone has lots of material to unearth. “The Upstarts” opens in 2009 and closes just seven years later. A lot happened in those seven years but much of it in the public eye. Many readers will remember, for example, when anti-Uber taxi drivers torched cars and shut down Paris. Or they’ll recall the news splash the first time a renter trashed an Airbnb home. It’s hardly news.

    Mr. Stone’s reporting is excellent, however, on one less well-known part of the story: the firms that lost the race. Neither Uber nor Airbnb were the first in their respective spaces. Taxi Magic, Cabulous, Couchsurfing and HomeAway all offered ride-hailing or home-sharing services, but despite “first mover” advantages, none became billion-dollar unicorns. Why not? It’s tempting to argue that the leaders of the winning firms simply worked harder, smarter and with greater foresight than their less successful competitors. Mr. Stone doesn’t fall into this hagiographic trap.

    As events unfolded, it wasn’t obvious to anyone which firms would succeed or indeed if any of them would survive. Plenty of venture capitalists, people whose livelihood depends on seeing into the future, never opened their wallets to Airbnb and Uber. Stupid? No. Even the companies’ founders didn’t always understand their own innovations: Airbnb was originally called AirBed and Breakfast. AirBed! You would be hard-pressed to find a blow-up mattress on Airbnb today, but it does list over 1,400 castles. Uber’s original vision was a more elegant car service at a higher price point than a taxi cab. It was Uber’s competitor, Lyft, that first democratized the transportation business. For a brief time, Uber even lobbied against the legality of the ride-sharing business model before embracing the idea with fervor.

    The radical uncertainty at the heart of the capitalist discovery process has lessons for how we should regulate innovation. Regulators often subscribe to the “precautionary principle,” the notion that any new product with unknown effects should be introduced slowly. But imagine what would have happened if, in 2009, regulators or voters had been asked whether any driver with a cellphone should be allowed to pick up paying passengers. Regulators and voters—helped along by lobbyists from the taxi industry—would have come up with a dozen reasons why this was a bad idea. Get in a car with a stranger? If we had attempted to regulate that proposition in advance, we would have no end of rules, regulations and restrictions. Had innovation been up for a vote, the public would have voted “no.”

    Brian Chesky at Airbnb and Travis Kalanick at Uber didn’t wait for collective approval. They pushed for growth even before the legalities of their services were established. We could still lose these innovations to excessive regulation: Vancouver and Austin have banned Uber, which makes traveling to these cities seem like a frustrating trip into the past. But at least today the public has a better idea of what is at stake in the regulation debate. Airbnb and Uber have also grown so big that they can now defend themselves against established hoteliers and taxi monopolies who might have liked to strangle them in the cradle.

    “The Upstarts” tells us about the billions of dollars in venture capital that Airbnb and Uber have spent in expansion, but it doesn’t offer much insight into the platform economics that drive this process and what they may mean for the future. Platforms bring suppliers and demanders together, and this often creates economies of scale. Uber drivers want to use the app with the most passengers, and passengers want to use the app with the most drivers. This explains why Airbnb and Uber have gambled on growth even before profits. Indeed, to break into new cities, Airbnb and Uber have been pricing at below cost. But when the competition for the market ends, we may have too little competition in the market, causing prices to rise.

    Instead of thinking about how to protect the hotel and taxi industries, policy makers should be thinking about how to make it easier for the next Airbnb or Uber to compete. They could require, for instance, that key application program interfaces remain open to competitors, just as some utilities are required to allow alternative energy companies to send electricity through their networks.

    Likewise, it’s not obvious that requiring Uber to contract with drivers as employees rather than as independent contractors is a good idea, even for the drivers. Lots of people are willing to drive for Uber, which suggests that Uber is providing drivers with opportunities superior to those that they can find elsewhere. The first rule of the regulator’s oath should be: “Do not destroy mutually profitable exchanges.” Banning the independent-contractor model could also make it harder for cash-strained startups to compete with Uber. Uber might even accept new regulations as a way of raising the costs of its rivals and locking in its monopoly. From upstart to rent-seeker in just seven years—the speed is astounding, but the arc is commonplace.

    “The Upstarts” closes in 2016 as Uber breaks with an early partner, Google, to fund its own driverless-car division. Driverless cars will change the industry dramatically, and Uber will lose advantages derived from its huge pool of drivers. Uber’s Mr. Kalanick boldly predicts that Uber can greatly reduce traffic congestion in cities across the country. A smaller number of cars used more intensively could indeed reduce congestion, but the politics and economics are less clear. Will it take five years or 20, and will the first congestion-free city be New York, Singapore or an entirely new city in China or India? The future is opaque. “The Upstarts” is not the end of the story but an excellent history of the beginning.

    Bron: Mercator.org 

  • 20 Jun 2022 10:20 | Anonymous

    kijker via Pixabay

    Op sommige onderdelen houdt het traditionele model stand, met name als het gaat om het gebruik van volmachten en intermediairs. Aldus verzekeraars en stakeholders in ‘De Nederlandse Insurance Outlook 2020’ van Deloitte.

    Het rapport: “’Als je mij vijf jaar geleden had gevraagd wat er het meest zou veranderen in de verzekeringsmarkt had ik verwacht dat er ondertussen veel meer direct naar de klant zou worden gegaan, maar dat is nog niet echt aan de orde,” zegt Jos Heuvelman van AFM. Leon van Riet van NN valt hem daarin bij: “Het is een omvangrijke markt en ze (volmachten, red.) hebben hun toegevoegde waarde bewezen. Ze staan dicht bij de klant en bieden dienstverlening aan kleine en middelgrote intermediairs. Daar is behoefte aan.” Maarten van Edixhoven van Aegon bespeurt echter ook hier tekenen van verandering: “De traditionele intermediair zoals die nu bestaat zal niet blijven. Maar intermediairs zijn vaak ondernemers, die hebben de neiging zich goed en snel aan te passen aan omstandigheden. Dus dat zal een rustige transitie worden.” Daarnaast spreken verzekeraars de verwachting uit dat de intermediaire markt verder zal consolideren.”

    De transformatie bij verzekeraars is volgens Deloitte “duidelijk merkbaar op gebieden die raken aan het bestaansrecht van de verzekeraar. Vooral de traditionele definitie van ‘verzekeraar’ lijkt onmiskenbaar te veranderen. Verzekeraars richten zich steeds meer op hun preventieve en adviserende rol. Die nieuwe vormen van verzekeren kunnen betekenen dat verzekeraars hun werk uitbreiden naar ecosystemen op het gebied van goed werkgeverschap, vitaliteit en preventie in de zorg. Het leidt ook bij verzekeraars zelf tot veranderingen in de aantallen en samenstelling van het personeelsbestand, en überhaupt tot aanpassingen in (digitale) bedrijfsprocessen. En er is tevens een verschuiving zichtbaar naar fee-based business”.

    Over de impact van corona: “Onze gesprekspartners waren het erover eens dat de gevolgen waarschijnlijk aanzienlijk zullen zijn, al is er op dit moment nog veel onzeker. Richard Weurding (Verbond) verwoordt het als volgt: “Hoewel de crisis op het moment van dit interview nog maar relatief kort in alle hevigheid in ons land is losgebarsten kun je al waarnemen dat de wereldwijde impact enorm is. De (economische) omgeving waarin we moeten opereren zal niet meer hetzelfde zijn als voor de crisis.” Maarten Edixhoven (Aegon) is nog explicieter: “De eerste- en tweede-orde-effecten van de COVID-19-pandemie zijn maatschappelijk en economisch zo groot dat er zeker blijvende effecten op de verzekeringssector zullen zijn. De kaarten worden opnieuw geschud, er ontstaan nieuwe klantbehoeften waar verzekeraars op zullen inspelen en bepaalde risico’s zullen niet of nauwelijks meer verzekerbaar zijn. En de digitalisering in de keten zal zeker versnellen.”

  • 08 May 2022 13:26 | Anonymous

    Het voorstel voor een verplichte AOV stuit op grote problemen in de uitvoering. Daardoor duurt zo'n verzekering waarschijnlijk nog 'jaren', zegt demissionair minister Koolmees. VZN pleit ervoor om niet verder te praten over een verplichte AOV voor zzp’ers, die toen niet direct betrokken waren. 'Alleen een basisvoorziening voor arbeidsongeschiktheid voor alle werkenden kan op draagvlak rekenen', stelt voorzitter Cristel van de Ven.

    Checklist wab wetgeving werkgevers koolmees

    Foto: ANP.

    Vorig jaar presenteerden de organisaties in de Stichting van de Arbeid een voorstel tot een verzekeringsstelsel. Daarmee moeten zelfstandigen zonder personeel (zzp'ers) uiteindelijk verplicht worden zich te verzekeren voor het geval ze niet meer kunnen werken, zodat ze zich zeker stellen van een inkomen als ze arbeidsongeschikt raken.

    Hier moeten ze maandelijks een premie voor betalen. Deze verplichting is afgesproken in het pensioenakkoord, omdat de linkse partijen en de vakbonden het een belangrijkste stap vinden om het verschil tussen zelfstandigen en werknemers in dienst te verkleinen.

    Even terug in de tijd, lees mee, met de kennis van nu: Pensioenakkoord en AOV: zzp'ers roeren zich op social media

    Cristel van de Ven, voorzitter van de Vereniging Zelfstandigen Nederland (VZN), zegt dat de verplichte arbeidsongeschiktheidsverzekering voor zzp’ers als een konijn uit de hoge hoed kwam bij het afsluiten van het pensioenakkoord. ,,Tijdens de onderhandelingen tussen werkgeversorganisaties en vakbonden over de oudedagsvoorziening van werknemers, werd als voorwaarde meegenomen dat zzp’ers zich verplicht tegen langdurig verzuim moeten gaan verzekeren."

    'Verplichte AOV is doorn in oog zelfstandig ondernemers'

    ,,Die twee onderwerpen hebben niets met elkaar te maken. Bij die onderhandelingen werd er niet met zelfstandigen gesproken, maar wel over hen. En er werd bovendien voor hen besloten. De verplichte AOV voor zzp’ers is dan ook een doorn in het oog voor zelfstandig ondernemers”.

    Belangrijk aspect van het voorstel was dat zelfstandigen veel 'keuzevrijheid' kregen, waardoor de hoogte van de premie flink kan verschillen. Ook is er een 'opt-out' voor zelfstandigen met een afdoende private verzekering. Het kabinet vindt deze onderdelen belangrijk, omdat zelfstandigen flink van elkaar verschillen. Maar nadat Koolmees het voorstel had voorgelegd aan de beoogde uitvoerders UWV en Belastingdienst, bleek dat juist dat aspect uitvoeringsproblemen met zich meebrengt.

    'Alternatieve manieren om verplichte verzekering te regelen'

    Daardoor kijkt de bewindsman nu naar alternatieve manieren om de verplichte verzekering te regelen, hoewel hij wel zoekt naar een mogelijkheid die "recht doet aan het advies van de Stichting". Er wordt gekeken of de regeling misschien bij een andere wet kan aansluiten. Hoewel de invoering van de arbeidsongeschiktheidsverzekering officieel aan een nieuw kabinet is, blijft Koolmees in gesprek met de uitvoerders en de belangenorganisaties om tot een nieuw plan te komen.

    Lees ook: VZN: 'Alleen van hoop kun je niet leven. Overheidssteun voor zelfstandigen in nood'

    VZN: 'Geen verplichte AOV voor zzp'ers, maar voor alle werkenden'

    Nu het huidige plan op 'de korte termijn' niet uitvoerbaar blijkt, pleit VZN ervoor om niet verder te praten over een verplichte arbeidsongeschiktheidsverzekering voor zzp’ers. Alleen een basisvoorziening voor arbeidsongeschiktheid voor alle werkenden kan op draagvlak rekenen.

    Een publieke arbeidsongeschiktheidsverzekering voor alle werkenden lijkt bovendien gemakkelijker uitvoerbaar. VZN stelt voor om de gesprekken vanaf nu daarop te richten, met dit keer ook een onafhankelijke vertegenwoordiging van zelfstandigen aan de maatschappelijke overlegtafels.

    Bron: AMweb

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