Ledger Investing operates an online marketplace that connects investors with insurance carriers, facilitating the securitization of insurance premiums and providing access to long-term capital. This platform addresses the challenge of capital volatility in the insurance sector by offering investors uncorrelated securities and insurers enhanced return on equity.
Funding
$95.9M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Insurance carriers face challenges in managing capital volatility and accessing long-term capital, while investors seek uncorrelated securities to diversify their portfolios. Traditional insurance securitization processes can be inefficient and lack transparency, hindering access for both insurers and investors.
Solution
Ledger Investing operates a marketplace that directly connects insurance carriers with investors, streamlining the securitization of insurance premiums. The platform provides insurers with access to multi-year collateral, higher commission rates, and faster speed to market, ultimately increasing their return on equity and lowering earnings volatility. Investors gain access to uncorrelated securities, relative value opportunities, and a large supply of insurance-linked assets, enabling portfolio diversification. By facilitating direct interaction and leveraging financial software, Ledger Investing enhances transparency and efficiency in the insurance securitization process.
Target Audience
The primary target audience includes program administrators seeking direct access to long-term capital, insurers aiming to increase returns and lower volatility, and investors looking to diversify their portfolios with uncorrelated securities.
Features
- Online marketplace connecting insurance carriers and investors
- Platform for securitizing insurance premiums
- Access to multi-year collateral for program administrators
- Tools for insurers to increase returns and lower volatility
- Uncorrelated securities for investors to diversify portfolios
- Financial software stack for review, evaluation, and pricing of insurance risk