Founder and Developer
Cell phone: +31 (0) 653 374 097
''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 sharing the daily paid claims among the new and renewing participants on that day. No deposits in advance and no refunds afterwards. In this respect, RiskShare instinctively operates as a traditional insurer. However, RiskShare has no expensive buildings, no directors, no chiefs, no front and back office staff and thus no bureaucracy. RiskShare 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.
|But Car Drivers||But Home Owners||But Risk Advisors|
|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|
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
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 blockchain. This process offers maximum scalability to grow exponentially to many millions of members and transactions without the additional deployment of manpower and systems.
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.
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.
PROFIT AT 1 MILLION CLIENTS
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 experts and the forced exit of fraudulent advisors and experts.
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
GOING TO MARKET
STEP 3 NOW
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.