The Digital Innovation Award - Knowtions Research

1. Knowtions
Knowtions Research Inc.
www.knowtions.com
Insuring the next billion people with digital Pay-
How-You-Live insurance

2. We’ve figured out how to develop a new
category of insurance products to capture
Asia’s $1.8 Trillion protection gap
Knowtions

3. Invested in by
Thomas Wolf
Executive Chairman
Ex-CIO at Metlife
Based in Boston
Fred Stute
Chief Information Officer (CIO)
Ex-VP & Asia Chief Architect at Metlife
Japan & AXA
Based in Japan
Anthony Lee
Chief Executive Officer (CEO)
Knowtions Research
Based in Taiwan
We are a team of AI engineers,
insurance experts, biomedical
researchers based out of the
birthplace of deep learning,
University of Toronto
3
Christina Cai
Chief Operating Officer (COO)
Knowtions Research
Based in Toronto
Alex Tomberg
Chief Technology Officer (CTO)
Knowtions Research
Based in Toronto

4. Traditional insurance process pain points in the new era of Digital
Get medical exam
$
Talk to an agent Wait for u/w
Finally get policy
Only hear from
insurer on renewal
Get healthcare Make claim
Wait for claim
investigator
Solving these challenges means...
● Reinvent medical underwriting
with alternative data
● Increase underwriting profit
● Increase insurance coverage
● Decrease insurance claims loss

5. Lydia AI is a ML powered digital experience platform that accurately assess
and selects risks to enable fast digital purchase of Pay-How-You-Live
Insurance
Customer
QR Code
Scan
Underwriting
Instant
Approval
Issue Policy
Alternative
data health
consent
Health
report with
health risk
& costs
Personalized
product
recommendation

6. 6
CONFIDENTIAL
Health
Score
Hospitalization Risk
Chronic Disease Risk
Cancer Risk
Dementia Risk
Lydia AI risk
prediction models
Mortality Risk
Consumers consent
access to 3 years of
national healthcare data
Alternative data consent enables personalized recommendations & instant
approvals

7. Health age score
is an AI-adjusted
age based on 3
years of data to
help consumers
understand how
their health
compares with
their peers
Predictive models
are aligned with
product benefits
enabling
contextual sales
talk based on real
health needs
Personalized health-based needs assessments helps close the protection gap

8. Instant approval product recommendation improves sales conversions
Limited time offers on
special insurance
offerings accelerate
time to sale
Actuarially
validated health
score enables
sales agents to
offer instant
approvals for
qualified clients

9. Improve sales
conversion for
insurers
More insurers
want digital
products
Digital Life & Health
products need
better incentives to
remain competitive
Secret flywheel to launch the Pay How You Live Product Category

10. Thank you!