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$TUIO · How they convinced BlackRock to invest in their startup | TUIO case study - Juan García
now playing · $TUIO
$TUIObullish· high· posjuan garcía
TUIO achieves 57% loss ratio while tripling annually, convincing BlackRock to lead €15M Series A
TUIO's vertically integrated tech stack — controlling pricing, claims, and fraud detection internally — enables a 57% loss ratio at 2-3x annual growth, a metric previously unseen…
$OPENAIbullish· mediumjuan garcía
TUIO's ChatGPT app launch triggered $39B market cap drop for global insurance brokers, signaling AI distribution disruption
Conversational AI platforms like ChatGPT will become primary distribution channels for simple insurance products (auto, home, pet), disintermediating traditional brokers — evidenc…
$LMND···neutral· mediumjuan garcía
Lemonade's 90% crash from $8B to $800M validates insurtech 1.0's fatal flaw: ignoring loss ratios for growth
Lemonade went public at $8B in 2020 despite poor loss ratios, crashed 90% when rates rose and reinsurance costs spiked in 2022, and only recovered to ~$7B after improving fundamen…
$HIPO···neutral· lowjuan garcía
Hippo's SPAC at $5B and subsequent collapse mirrors Lemonade as insurtech 1.0 cautionary tale
Hippo went public via SPAC at $5B valuation in 2021 during the insurtech hype peak, then collapsed when the same macro forces (rising rates, reinsurance costs, poor loss ratios) h…