Investor Deck: A New Cause Marketing Model for Insurance

We are disrupting insurance marketing with an almost frictionless new model that upends the $4B+ spent by

insurance carriers on advertising annually

Plan Deck

01/2014 CONFIDENTIAL

We make it possible for people to support the causes that matter to them, simply through their

choice of insurance provider.

At the same time, we are delivering a platform for brokers empowering them to add Cause Marketing

as a channel for new business.

Most importantly, we are giving causes a vital, sustained source of income - and we doing all this

by replacing an ad model that is largely reviled.

Plan Deck 01/2014 CONFIDENTIAL

$388M

$920M

3

Practically everyone has insurance. It’s the definition of a saturated, mature market. To gain share, most carriers pay 20% sales commissions on top of huge advertising and marketing costs. Carriers are fighting a war for market

share, largely with ad spend in a market perceived of as commodity by consumers.

This is a HUGE opportunity for a disruptive model.

$828M

$370M

saturated market$385M

$179M


Brokers are increasingly being displaced in an environment where carriers are able to use the internet to give instant quotes and are aggressively implementing advertising-driven direct sales models. Our model gives the broker a new business platform, allowing them to engage new customers, and add value without cannibalizing their existing business.

disenfranchised brokers

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Plan Deck 01/2014 CONFIDENTIAL 5

Agent works with customer through our systems to get great coverage and rates as co-broker with us.

CUSTOMER

A cause partner refers a customer to us through a support outreach campaign

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We donate to the charity and split the remaining

commission with any co-broker agents

1

3

CAUSE

Carriers pay us a commission as the brokerage

model


We are effectively re-directing the funds used to persuade customers to switch carriers.We give part of the Broker’s commission to the charity, and help the charities to do the

part the ads were doing - namely influencing buyer preferences.

Everyone except the ad sales guys win, in a model even the carriers support

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trusted referrals


frictionless network

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Our co-brokerage approach will allow us to rapidly grow and support a network of trained, experienced insurance professionals that can not only deliver a local

response but will in turn be able to engage their own charity support partnerships.This is a model designed for rapid, national relatively frictionless growth.


pipeline

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PREMIUMS4 causes in Los

Angeles have already signed up

$9mREVENUE

BOR from 15% of the family over a year

$1.8mSUPPORT

Ongoing donationto charities

$720k

Income can begin immediatelythrough campaigns with foundations and non-profits

with which we are currently already engaged

Estimated 2014 (working with initial small local charities)


profits

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LEGACY BROKERAGE

GIVESURANCEMODEL

Revenue$1,000

Overhead$200

Net Profit$100

Customer Servicing

$200

Agent Commission

$500

InsurancePremium

$5000Revenue$1,000

Overhead$150

Net Profit$150

Customer Servicing

$300

CharitableDonation

$400

InsurancePremium

$5000

Lower overhead, without AdvertisingHigher service cost with co-brokerage

Lower commissionsHigher net profit

Plan Deck 01/2014 CONFIDENTIAL 10

market size

Brokerage Commissions

20% Commission on $500 B premiums in Personal and

Commercial Insurance

Total Available Market

MidMarket$18B

$100 B $38 B

Wealth Mangers

$5B

High Net Worth$15B

Target Market

Typically higher net-worth supporters of causes such as

schools, foundations andnon-profits

LIkely Serviceable Market

Target Market Segments

Focus on the more valuable insurance customers, through

trusted networks and association with causes.

Initial Target Market Segments


team

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Jennifer Rasiah - CEO14 years experience in insurance industry; has worked in every major role of both insurance carrier and brokerage side of the industry. Worked on the high net worth / Entertainment division of worlds largest insurance brokerages. Lead a team of HNW specialist in building UnionBank’s HNW Division later AQ by BB&T. Former AVP at Hub International.

David Shantz - CMOCo-founded his first company at 19, which was eventually acquired by IBM. Since then, David has had key roles in marketing for over a dozen start-ups, of which there have been numerous funding and liquidity events. Morphic, Altamira Software (Microsoft), MPower (Morningstar), Bohan Group(First American), CoAlign, Bulldog, Velosant (First Data), Atomic Tangerine (SRI) and in 2010, Cause Insurance (cause marketing insurance $2M)

Max Skibinski - Advisor, Technology and ManagementVenture part at Andreessen Horowitz. Hive7 Founder (acquired by Disney). Founder of Inporia. Ycombinator graduate.

Sharon Andrew - Advisor, Industry / Operations Insurance and Financial Services Executive, CHFC, LUTCFTerritory/ Sales Management ~ Strategic Planning and Analysis ~ Business Consultant Training/Development/Coaching ~ Business Development, Growth & Profit ~ Generation & Launch Corporate Legal Liaison ~ Conflict-Of-Interest & Integrity Issues ~ Compliance/Ethics


team (continued)

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Craig Barnet- Advisor, Co-brokerage Partnerships20 years of experience in the insurance industry, Craig Barnet is recognized as one of the premier risk management consultants in the field.

Bill Catanese- Advisor, Co-brokerage PartnershipsVise President Risk Strategies Company. Founder Catanese Insurance Former Wells Fargo and Farmers Executive.

Brokers can choose to join the network and gain a new revenue stream without risk of cannibalizing their existing full

commission client base

Charities can use this platform to create new, ongoing channels of support

Customers can support the causes that matter to them by diverting resources spent on advertising and commissions

towards real good, and without much more investment than a little time.

References and Sources

INSURANCE AD SPENDING PASSES $4B 12% year-on-year growth

http://www.prweb.com/releases/2013/6/prweb10827577.htm

http://adage.com/article/news/warren-buffett-s-geico-rides-giant-ad-budget-past-allstate/242980/

http://adage.com/article/cmo-interviews/nationwide-cmo-insurance-ad-arms-race-continue/244405/

http://www.localspeak.com/blog/180/for-progressive-social-medias-not-going-with-the-flo-.html

We make a living bywhat we get...

We make a life bywhat we Give...Winston Churchill











