Our goal is nothing less, but to revolutionize the insurance industry! We are the first company in the world ready to implement a high-end technological solution which will dramatically lower the cost of insurance services while making the business way more efficient and friendly for all parties-from End Clients to major Insurance Companies!
For this purpose we developed Vernam! A decentralized platform, based on blockchain technology, connecting various stakeholders in the insurance industry – customers, brokers, and insurance companies, which will use blockchain technology to make the insurance process less costly, fully transparent and much more convenient.
An unexpected reality? Insurance is one of the largest global industries ($ 4.73 trillion in 2016), but its business model has not changed significantly over the last several centuries, while its technologies have long become outdated. That is why our plan is to make the next evolutionary step and digitalize the industry.
The status quo today: Big insurance companies depend on brokers to bring their products to end customers. In exchange, brokers receive generous compensation up to 30% of the policy premium – for performing relatively low value-added services. Imagine if End Clients don’t need to cover the broker’s commission and instead they receive his reward straight into their pocket? Vernam is about to make this possible.
Our Solution: The use of a shared ledger will prevent any possibility for data manipulation, increasing transparency and minimizing transaction costs. Besides the engine, a proprietary off-chain marketplace will use the Vernam token (VRN), an Ethereum-based ERC20 standard crypto token to take full advantage of the platform functionality.
Here’s how: Clients, purchasing conventional insurance through the Vernam platform will receive a reward in VRN tokens, equal to a typical broker’s commission (up to 30% of the premium price). Tokens can be sold on an exchange or used for the purchase of conventional and crypto insurance products.
And there is even more! “CryptoSafe”, a crypto product, only available through the Vernam platform. Each platform user will be able to purchase the “CryptoSafe”, which is a type of a smart contract, guaranteeing that when a defined set of events occurs, the client will be compensated with a certain amount of VRN. An intelligent way to create even safer environment.
Would you like to participate in the future of insurance NOW? In total 1 billion Vernam tokens will be created and 50% will be sold at the token sale event. The proceeds will be used to develop the blockchain platform and to implement the platform on key markets, depending on size of the funds raised.
We unite the best of both worlds. Vernam platform users will be able to make conventional insurance through our own network of brokers, including Vernam company itself, and/or to purchase “CryptoSafe”, the newest and most innovative blockchain based insurance product that Vernam will introduce.
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주의. 확인되지 않은 회원은 실제로 팀원이 아닌 위험이 있습니다.
Summary
Vernam is trying their best to simplify the complicated insurance marketplace. Through connecting insurance providers with their customers, they can help to ensure that both parties have clearly defined terms set forth in smart contracts, and that premiums will be cheaper. Although they don’t have a working beta version out to judge the platform off of, they have a well-written whitepaper and a solid team who has the experience they need to make the project succeed.
Positives
Vernam seeks to make purchasing insurance easier than ever
Smart contracts guarantee insurance terms and provide a quick payout
Premiums will be cheaper with the need for brokers eliminated
Negatives
No beta platform released yet
Major insurance providers already have a strong online presence, so there is a question to how much Vernam will be able to compete
As for the platform, Vernam is on point. The team is highly successful, and the platform is being well put together. This is an excellent system that makes a tremendous amount of sense because the nature of insurance and the blockchain. It will protect the customers while helping to make the agent highly-successful, also keeping him/her in check at all times.
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