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智能保险咨询平台Anorak获500万英镑融资

英国创企Anorak Technologies创建了一个人寿保险咨询平台,目前获得了500万英镑A轮融资。值得关注的是,这轮融资是由之前的Kamet Ventures领投,还有保险业巨头AXA资助的科技孵化器参与其中。这样的话,Anorak募集到的总资金就提高到了900万英镑。

Anorak的联合创始人兼首席执行官David Vanek说,我们公司的使命是创建一个世界上“最智能”的自动化人寿保险咨询平台,能在最合适的时间和地点,给用户提供中肯的保险建议,例如当你在购买房屋或组件家庭时;并且,也为更多的用户开放人寿保险服务。

目前,像意外死亡保险这样类型的人身保险,往往都是通过个人的财务顾问或经纪人,向已经有较高净资产的用户出售。这使得还有很多人和他们的家属到现在都还完全没有购买任何保险服务。

Vanek说,这轮融资的资金将用于“发展我们的技术、数据、产品和业务开发团队”,并利用这笔资金继续投资Anorak独特的推荐引擎,该引擎涵盖了各类用户分析,能分析他们承担的风险,并把适合的产品推荐给他们。

“insurtech”还计划与更多的伙伴进行合作,建立一个人寿保险的分销基础设施。这将涵盖投资平台、在线抵押贷款经纪人、资金管理应用程序、数字银行、媒体集团和全球信息经济平台。为提供良好的人寿保险服务,Anorak已经与Starling Bank、资金管理应用程序Yolt进行了API集成,以测试这些非传统的B2B2C市场路线。

这样之后,例如,Starling客户就可以通过自己的银行API将Anorak连接到他们的Starling帐户上,以便Anorak可以访问个人详细信息和交易数据。这使得人寿保险顾问可以根据租金、抵押、工资、支出等内容开始建立用户个人资料,以提供准确的保险购买建议。

在录入分析数据时,如果有缺失的内容,Anorak还将进行补充询问。然后大概得出,在死亡或残疾时所面临的风险,对此可能需要的保护类型(生命,收入保护等),需要多少额度和多长时间。

最后,Anorak展示了三种来自所有目前主要的人寿保险公司里最适合的产品,并为每种产品提供报价,以及通过Anorak在线申请和购买产品的选项。

Vanek告诉外媒说,在未来,Anorak希望将其技术平台扩展到顾问方面,例如抵押贷款经纪人和财富管理人员,他们之前并没有这样的工具来帮助他们提供人寿保险或意外伤害保险。

这种综合的产品服务,可以让代理/顾问使用Anorak平台以及Anorak的推荐引擎,完成访问客户数据的过程,使客户能在线上开始,在线下完成;或者用户从线下开始产品服务,然后与顾问一起保持线上更新,以便客户可视化或调整他们的保险需求。

Vanek说:“购买人寿保险不是冲动型消费,他的购买决定过程很复杂,并且,有的用户是非常希望能够与顾问保持联系交谈的。我们希望利用Anorak的技术,构建真正的‘无关渠道'保护建议。”

Anorak Technologies, the U.K. startup building a life insurance advice platform, has raised £5 million in Series A funding. Notably, the round is led by previous backer Kamet Ventures, the tech incubator funded by insurance giant AXA. It brings the total raised by Anorak to £9 million.

In a call, co-founder and CEO David Vanek told me the startup’s mission is to build the world’s “smartest” automated life insurance advice platform. It wants to offer insurance advice at the most appropriate time and place in a person’s life, such as when buying a house or starting a family, and in turn open up life insurance cover to many more people.

As it stands, life insurance, such as accidental death cover, tends to be sold through financial advisors or brokers targeting high net worth individuals. That leaves swathes of people and their dependents without any cover at all.

Vanek says the additional capital will be used to “grow our tech, data, product and business development teams,” and to continue to invest in Anorak’s unique recommendation engine, which covers the profiling of users, analysing their risk, and connecting them to a suitable product.

The “insurtech” startup also plans to integrate with more partners in order to build out its distribution infrastructure for life insurance. This will span investment platforms, online mortgage brokers, money management apps, challenger banks, media groups, and gig economy platforms. To test these non-traditional B2B2C routes to market for life insurance advice, Anorak already has API integrations with Starling Bank, and the money management app Yolt.

So, for example, Starling customers can connect Anorak to their Starling account via the bank’s own API to provide Anorak with access to personal details and transaction data. This enables the life insurance advisor to begin building up a profile based on things like rent, mortgage, salary, outgoings etc., to provide accurate advice.

Anorak will also ask any remaining questions needed to fill out missing profiling data. It then outlines what is at risk in case of death or disability, the type of protection that might be needed (life, income protection, etc), how much, and for how long.

Finally, Anorak presents the three best-suited products (from all of the major life insurers) and provides quotes for each of them, as well as the option to apply and buy the product online through Anorak.

Moving forward, Vanek tells me that Anorak wants to expands its tech platform to advisors, such as mortgage brokers and wealths managers, who haven’t previously had tools to help them provide life insurance or accidental injury cover.

The resulting hybrid approach will enable customer journeys to start online and be finalised offline by an agent/adviser using the Anorak platform to access customer data and use the Anorak recommendation engine, or to start offline with advisers using the Anorak platform and continuing online with a dedicated customer portal so clients can visualise or adjust their insurance needs.

“Buying life insurance is not an impulse buy, it is complex, [and] some people will always want to be able to speak to an adviser,” he tells me. “We want to leverage Anorak technology to build a truly ‘channel agnostic’ protection advice.

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