Opportunity

53% of people are uninsured and do not have life insurance in UK, that's a £2.4trn protection gap, with the majority of families 32 days from the ‘breadline’ if the worst were to happen. This global reinsurer are working to reduce this gap.

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Problems

They have had seen high barriers to entry running experiments D2C.

There has been difficulty in supporting the required flexibility for embedded distribution.

They have ambitious growth targets to increase GWP.

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Solutions

Using Certua's platform, they have launched a vertically integrated, dynamic direct-to-consumer brand.

They can now leverage the same platform infrastructure and carrier relationship to facilitate embedded distribution in emerging digital ecosystems.

The components of the platform, including those optimised through experimentation, can now be provided as white label services to their insurer clients in the UK, EMEA, and globally.

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