[vjvj]

Cool concept, looking forward to seeing roll out. Under your definition of p2p would heyguevara.com not fall into this too?

[gilsadis]

The difference is that we're a fully regulated insurance company (as opposed to brokers like Guevara or other p2p insurance startups). It means that we can control the experience end to end and build an insurance company with a different business model than how traditional insurance companies do business. This is why we can give unclaimed money back to charity.

[sharkmerry]

Why not give unclaimed money back to the consumer? Like a mutual insurance company, wouldnt that dissaude more folks from filing fraudulent* claims?