卖什么
AI-native actuary enabling self-insurance for corporations
商业模式拆解
买家：谁掌握预算？
Corporate risk managers and captive managers/owners who want to run self-insurance like an insurer.
触发点：什么让他们现在购买？
未核实Insurance submissions leave coverage gaps and over-insurance; large buyers already retain over 90% of risk and a company weighing a captive needs a board-ready case, or needs annual reserves and an actuarial opinion.
工作流：什么输入变成什么输出？
Feasibility study for a captive (5-year pro forma, loss projections, premium indications, capital adequacy by domicile); pricing of thin-data perils and bespoke wordings; quarterly/year-end reserve estimation (case, IBNR, LAE) with an annual Statement of Actuarial Opinion.
经济账：省了什么，怎么收费？
未核实Advisory/actuarial service work billed per engagement (feasibility study, reserving, opinion); free desirability study is the lead-in. No fee amounts published.
渠道：怎么接触到客户？
Free self-serve captive desirability study (no account) feeds into a "Let's talk" contact flow; agent-runnable prompt for Claude Code/Codex/ChatGPT.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2026 春季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.