01

Coverage doesn't reflect how Clara actually lives.

She rents, leases, borrows. Insurance expects a static life, fixed renewals and bundled coverages - assuming a life Clara doesn’t live. Today’s insurance is built for Hans, not Clara.

02

Clara will never call a broker or book a meeting.

<6% of insurance is sold online. The entire distribution model relies on agents, broker networks and a customer with time, patience and institutional trust. Clara has none of these for insurance.

03

Clara sees through the complexity immediately.

The jargon, the fear, the fine print. Clara cancelled Netflix the same day she stopped using it. She expects insurance to feel the same way. It doesn't. So she doesn't buy.

The protection gap is structural. Incumbents can't fix it.

The Problem

Today’s insurance is built for people like Hans, not Clara.

Fear acquires customers. Complexity keeps them. Claims friction protects the margin. This used to work, but not for Clara’s generation.