Modernizing risk and protection
Insurtech investors evaluate regulatory navigation, loss ratios, and distribution innovation. Your pitch must demonstrate actuarial sophistication while showing how technology creates sustainable competitive advantage.
Claims paid divided by premiums earned.
Benchmark: Target: 60-70% for most lines. Higher indicates underwriting issues.
Loss ratio plus expense ratio.
Benchmark: Profitable underwriting: <100%. Best-in-class: <90%.
Total premiums written before reinsurance.
Benchmark: Show growth rate and market penetration.
Cost to acquire each policyholder.
Benchmark: Must be recoverable within first policy term.
Percentage of policies renewed.
Benchmark: Personal lines: 80%+, Commercial: 85%+.
Show how you price risk better
Navigate insurance regulations
Show how you reach customers differently
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