The Digital Innovation Award - InvestSure

1. Investment Fraud Insurance
Product Deck

2. MISSION
To protect investors in listed stocks against losses in the
share price caused by allegations of management
misleading or deceiving investors.
Introduction | InvestSure

3. Introduction | The Problem
Investors losing money on their listed equity investments when management are accused of committing fraud.

4. Examples | The Problem

5. Introduction | Solution (1)
• News or allegations of
management fraud in
main stream media;
AND
• 10% drop in share price
(Intra day within first 2
days)
Purchase
• 30 days to sell from the date
of the triggers being met
• Cover up to 70% drop in
share after triggers
breached
Limits
Triggers
• Buy product
• Annual cover
• Simple tick box on
investment platform.
Claims Period
A parametric insurance product that protects innocent shareholders from losses in stock price caused by
allegations of management fraud and dishonesty.

6. Share Price = EUR 104.50
Introduction | Solution (continued)
Share Price = EUR 94
Within 2 days, share price goes
below EUR 94.05 (10% drop)
Claims Period
ends after 30 days
Client sells day 29, EUR 2.10.
Purchase Claims Period Limits
Triggers
A parametric insurance product that protects innocent shareholders from losses in stock price caused by
allegations of management fraud and dishonesty.
If not sold,
renewal
1 June 2020
Est. Premium = EUR 0.47 (annual policy)
17 June 2020
Claim = 94.05 – 28.22 = EUR 65.83
16 July2020
Limit of cover = EUR 28.22 (30% of 94.05)
Allegation = Missing $2 billion cash?

7. Key | Aspects
• World first product of its kind
• 2 years post launch
• Simple to understand
• No paperwork, easy and completely digital
• Complete automation for clients
• Claims settled immediately
• ~ 0.50% cost of annual cover for US stocks
• Partnership with Hannover Re = global presence

8. Global | Coverage Opportunity
* Major markets included only

9. Key | Stakeholders
Global Reinsurer
Local Primary Insurer
Technology provider
Distribution
PRIMARY
RISK
CARRIER
e.g.
Online
Trading
Platform
e.g.

10. Live | Integrated
*As on EasyEquities

11. Tech | Integration Made Easy
• Integration done via APIs
• APIs are well documented
• Integration = fast and resource light
• Seamless user experience
• Front end development driven by the clients needs
• System = secure, robust, scalable and reliable,
leveraging AWS
• Can configure any stock exchange and stock in the
world instantly.
InvestSure APIs

12. Partner | Benefits
• Integrates seamlessly into the user experience.
• Creates a new revenue stream.
• Increases investor confidence when investing, especially in times of
market turmoil.
• Clients love to see innovations being offered, especially relevant
innovations.
• Sentiment data set that can be traded off.
• Future product lines add new possible revenue streams and data.
• Both retail investors and professional fund managers as clients.