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!

RiskShare is 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 advisors who build their own client base through subscriptions and pay themselves 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 engine 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.

HOW TO RAISE CAPITAL AND
COOPERATE WITH INDEPENDENT ADVISORS

Dear PayPal Ventures team,

Thank you for taking the time to join me today to learn about RiskShare, the world's first and only true peer-to-peer (P2P) risk sharing platform. During our discussion, we will explore how RiskShare is transforming the insurance industry with its innovative platform and how we plan to make it the next big thing in the sector. I would also like to discuss how PayPal Ventures can support our vision and be a part of this exciting journey.

RiskShare is a decentralized ecosystem of holacracy that operates entirely digital and online, offering premium savings of at least 60% by eliminating the need of insurers and reinsurers. Our platform is fast, efficient, and accessible to anyone, anywhere in the world. With billions of people seeking lower insurance premiums, RiskShare has the potential to revolutionize the industry. With your support and expertise, we believe we can take RiskShare to the next level and realize its full potential.

At RiskShare, independent financial, tax, legal, and medical advisors are key players in the functioning of the platform. Millions of them looking for an income boost by building their own client base, provide advice, and settle claims. They are the first and only point of contact and thus client responsible. Additionally, advisors play a vital role in marketing the platform and ensuring its success.

PayPal is a crucial component of the RiskShare platform, providing a secure and efficient way to collect and distribute premiums and claims. The use of a private blockchain ensures that all transaction details are verifiable and secure, providing an additional layer of protection for all parties involved. We would like to partner with PayPal Ventures to support the growth and expansion of RiskShare. This partnership will not only provide financial support, but also access to PayPal's network of experts and resources, which will be invaluable in achieving our goals.

The revenue model for RiskShare is three-fold. Clients pay at least 60% lower premiums through P2P risk sharing. Advisors recieve €90,000 in subscriptions per year with 100 clients. The platform recieves a fee of €96 per year per client from the advisors. Additionally, PayPal benefits from the platform with at least €50,000,000 (50 million) in transaction fees per year with one million clients.

Our goal within the next five years is to establish a network of one million clients, form partnerships with 5,000 advisors, and facilitate many millions of transactions. The platform is projected to have a market value of one billion euros, based on a valuation of 13 times its profit or an 8% rate of return. With ten million euros in launch capital and a focus on both growth and profitability, we are confident that we can reach our market value goal within five years.

We would be honored to partner with PayPal Ventures and benefit from your support, expertise, and network. We are confident that RiskShare has all the necessary components for success in the insurance industry, and we invite you to join the RiskShare revolution and become a part of this groundbreaking project.

Thank you for considering our proposal.

Best regards,

[Your Name]

Dear Deloitte team,

I hope you are doing well. We at RiskShare have been following your work for some time, and we are impressed by your expertise in consulting and risk management. As such, we would like to invite you to collaborate with us on a new project.

Our team at RiskShare is dedicated to introducing a fresh approach to risk management and consulting. We believe that the current centralized and hierarchical system can result in communication breakdowns and inefficiencies. Our vision is to establish a decentralized holacratic ecosystem for consulting and peer-to-peer risk sharing on a global scale.

In a holacratic ecosystem, an organization is divided into self-organizing teams, or "circles," each with a specific purpose and set of accountabilities. These circles are interconnected and interdependent, and they work together to achieve the overall goals. Each circle has a circle lead, who is responsible for ensuring that the circle is fulfilling its purpose and accountabilities. The circle lead is also responsible for facilitating meetings and decision-making processes within the circle.

We believe that this new approach will offer several benefits to our clients, including increased transparency, better communication, and improved efficiency. By leveraging the latest technology and best practices from the field, we can create a system that is more responsive to the needs of our clients.

We would like to invite your team to join us in this endeavor. We believe that your expertise in consulting and risk management will be invaluable to the success of this project. Your team's skills and knowledge can help us develop the necessary systems and protocols to make this vision a reality.

Together, we can create a new standard for consulting and risk management. We believe that this new approach will not only benefit our clients but will also help to create a more equitable and sustainable economy.

We look forward to the opportunity to work with you and to collaborate on this exciting project.

Thank you for considering our invitation.

Sincerely,

[Your Name]

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 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. Its decentralized holacracy ecosystem operates without bureaucracy. 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. You conduct client surveys to gather preferences, and if the majority of all clients want them, they are fed into the risk sharing schemes that influence their premiums. And last but not least, with billions of people worldwide embracing 60% lower insurance premiums, you have all the ingredients to succeed.

RiskShare's unique feature is the combination of technology and personal touch. While many insurance companies have moved towards digitization, RiskShare recognizes the value of personal relationships and offers clients access to their own dedicated advisor who is available 24/7 from anywhere. This approach makes RiskShare both highly digital and highly personal, offering clients the best of both worlds.

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".

RiskShare is an innovative and robust platform for P2P risk sharing, leveraging several cutting-edge technologies to provide secure, efficient, and scalable operations.

Node.js is the choice for building the front and backend of the infrastructure, providing fast and reliable communication and data management between different components. Additionally, AWS Lambda is a powerful tool for executing smart contracts, providing an efficient and secure way to automate the risk sharing process.

The use of DynamoDB for storing data from the blockchain ensures that all transactions and interactions taking place within the network are logged, making it easy to keep track of everything that happens within the system. This feature is essential for maintaining transparency and accountability among all participants.

PayPal is a critical component of the RiskShare platform, providing a secure and efficient way to collect and distribute premiums and claims. The fully automatic collection process enables maximum scalability, handling millions of transactions without the need for additional manpower and systems. Moreover, the use of a private blockchain ensures that all transaction details are verifiable and secure, providing an additional layer of protection for all parties involved.

Overall, the combination of Node.js, AWS Lambda, DynamoDB, and PayPal enables the development of a decentralized and distributed system for sharing and managing data, which is essential for P2P risk sharing without the need for traditional insurers. The use of these technologies provides a secure, efficient, and scalable solution for managing financial risks, making RiskShare a promising platform for the future of risk management.

There are several potential benefits that AI can bring to participants in a peer-to-peer (P2P) risk sharing network. Here are a few examples:

• Improved risk assessment: AI can help assess the risk of insuring a particular individual or group of individuals more accurately than traditional methods. By analyzing a wide range of data points, including demographics, lifestyle habits, and past claims history, AI algorithms can identify high-risk individuals and adjust their premiums accordingly. This can help reduce the overall risk for the network and ensure that premiums are set at a fair rate for all participants.

• Faster claims processing: AI can also help speed up the claims process by automating many of the tasks involved. For example, AI algorithms can automatically verify the authenticity of claims, assess the damage or loss, and calculate payouts. This can help reduce the time and cost involved in processing claims and ensure that participants receive their payouts more quickly.

• Fraud detection: AI can also be used to detect fraudulent activity within the network. By analyzing data from multiple sources, such as social media, credit reports, and claims history, AI algorithms can identify patterns of behavior that are indicative of fraud. This can help prevent fraudulent claims from being paid out, which can help reduce the overall cost of the network.

• Better customer service: AI can also be used to improve customer service for participants in a P2P risk sharing network. For example, chatbots or virtual assistants can be used to answer common questions, provide risksharing information, and assist with claims processing. This can help reduce the workload on the advisors and provide participants with faster and more efficient service twenty-four seven.

Overall, the use of AI in P2P risk sharing networks can help reduce costs, improve efficiency, and provide better service to participants. However, it's important to ensure that the use of AI is transparent and fair, and that participants are fully informed about how their data is being used.

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 P2P 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. 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. The advisors act as the ultimate marketing channel

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 organic growth and outstanding profitability revolution!

Dear audience,

We are here today to introduce you to the future of insurance. We all know the traditional insurance industry is 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 platform that's taking the insurance industry by storm.

With RiskShare, you don't have to worry about operational costs. You only do need to determine your desired fixed profit. And moreover, RiskShare provides coverage for all common riks such as death, disability, accident, health care, travel, liability, legal aid, damage or loss to car, home and contents.

No operating expenses at all?..... No! And quite simply, the platform is completely digital. No front or back office staff needed. Clients can close, pay, claim and cancel risk sharing schemes themselves in minutes. The Variable premiums, are automatically (re)calculated daily, plus a fixed profit surcharge of your choice, to cover claims paid on that day, resulting always in a positive combined ratio.

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.

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!

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.

Entrepreneurial investors take note! A groundbreaking delivery platform is currently in development. Introducing QuickFoodies - the ultimate solution for restaurants and delivery drivers alike, poised to disrupt the food delivery market.

Here are the key features of QuickFoodies:

• Restaurants will be responsible for creating and updating their menu on the platform, providing comprehensive information on each item, such as the name, ingredients, price, and special instructions. They can also upload media to aid customers in making informed decisions.

• The platform enables restaurants to charge delivery costs directly to customers, streamlining the transaction process.

• QuickFoodies grants restaurants the power to select their own regular delivery drivers or named deliverers, while also enabling deliverers to choose their preferred restaurants or exclusively deliver for a single restaurant. This level of flexibility empowers delivery drivers to work as true freelancers.

• Restaurants can also set their own delivery fees, motivating delivery drivers to work harder and smarter. Delivery fees go directly to drivers without any deductions.

• QuickFoodies offers delivery drivers the chance to join their own partnership, allowing for mutual agreements and collective arrangements concerning financial and social security.

• QuickFoodies operates with minimal overheads, charging a flat platform fee per delivery instead of a percentage of sales. There are no expensive buildings, directors, chefs, front or back office employees, resulting in no bureaucracy.

• Signing up to QuickFoodies is free and non-committal. Its superior financial, social, and organizational features will entice restaurants and delivery drivers to make the switch to QuickFoodies gradually.

This is an opportunity not to be missed! Invest in the game-changing QuickFoodies platform and become a part of the revolutionizing of the food delivery industry. The launch of QuickFoodies is scheduled for 2023.

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.

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: De Ondernemer