PolicyStore - Executive Summary

The Opportunity

$3.35T

US Insurance Premiums (2025)

$176B

AI in Insurance Market by 2035

86.5%

Cost Reduction vs. Traditional

10.6:1

LTV:CAC Ratio

$160B

Fraud Savings (AI by 2032)

What We Do

PolicyStore is the first insurance agency that operates with zero human agents. We combine three proprietary technologies to identify, engage, qualify, quote, and bind insurance policies entirely through AI.

VoiceDrips.com — Conversational AI engine for outbound voice sales
Agents.biz — Agentic workforce for underwriting, compliance, servicing
Proprietary Data Stack — 10,397 behavioral clusters for high-intent targeting

33+ insurance products. 500+ carriers. All 50 states. $70 per policy vs. $520 industry average.

Why Now

AI adoption in insurance at 14% — projected 70% by 2028
Combined ratios under pressure (98.5% forecast 2025-2026)
Carriers actively seeking lower-cost distribution channels
Conversational AI reached human-equivalent quality in 2025
$308.6B annual fraud costs demand AI solutions
Traditional agency workforce aging out (avg. agent age: 59)

Financial Projections

	Y1	Y2	Y3	Y4	Y5
Policies	8.5K	42K	185K	520K	1.2M
Revenue	$3.2M	$17.6M	$52.9M	$146M	$339M
EBITDA	-$3.6M	$5.2M	$24.2M	$87.9M	$237M
Margin	-112%	30%	46%	60%	70%

Use of Proceeds ($10M)

AI & Engineering	$3.5M	35%
Data Acquisition	$2.0M	20%
Carrier Partnerships	$1.5M	15%
Go-to-Market	$1.5M	15%
Ops & Reserve	$1.5M	15%

Risk Mitigation for Carriers

PolicyStore's AI reduces carrier risk by $36-67M per $1B premium volume:

Fraud pre-screening: 40-55% fewer investigation referrals
Behavioral pre-qualification: 18-25% adverse selection reduction
Combined ratio improvement: -11.9 percentage points
Investigation cost savings: $3.8-5.2M per $1B premium

Path to Exit

M18

Series B ($600M val)

M24

Secondary (money off table)

M36

Series C ($1.2B val)

M48-60

PE Exit ($3B+) = 10x Return