SoftBank Investment Advisers

Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.

Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.

Tractable Ltd. is a software company that specializes in artificial intelligence for accident and disaster recovery. Founded in 2014 and headquartered in London, the company creates AI algorithms that automate visual damage appraisal, enabling insurers to analyze photos of damaged vehicles and properties to predict repair costs rapidly. Tractable's platform streamlines traditional claims processes by providing real-time, end-to-end estimates, allowing repairs to commence sooner and thereby supporting the restoration of individuals' livelihoods. The company's technology leverages deep learning for image recognition and analysis, facilitating quick and accurate claims settlement for major insurers worldwide. Through its innovative solutions, Tractable aims to transform outdated practices in the insurance industry and enhance the efficiency of damage assessment.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Justos is disrupting the insurance market in Latin America.

Devoted Health is a healthcare company focused on enhancing the health and well-being of older Americans by treating each individual with care and compassion. The company offers an integrated healthcare solution that includes Medicare Advantage plans, access to local providers, and the option for virtual and in-home care through Devoted Medical. Their approach includes personalized medical plans and dedicated guides who work closely with physicians to streamline care and minimize unnecessary procedures. By leveraging advanced technology and a robust network of healthcare professionals, Devoted Health aims to provide high-quality, tailored healthcare services to its members.

Ethos Life is an insurance company that provides modern and ethical life insurance to protect life. They’re building ground-breaking software for life insurance (a $650 billion market) and the company's mission is to make protecting your family affordable, accessible, and instant. It also employs a human approach in delivering its services. Ethos policies are issued and guaranteed by Legal & General America (LGA), a large U.S. life insurance provider since 1836. They use technology to learn about what makes you unique so that they can find new and truly personal ways to cover you. Ethos was founded in 2016, the company is headquartered in San Francisco, California, United States.

GAIL is a generative AI solution for insurance agencies. It provides a multilingual AI capable of communicating via speech, SMS, email, and WhatsApp. It also provides recordings, transcripts, analytics, and follows up with callers with any necessary deliverables.

Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.

PolicyBazaar Insurance Brokers Private Limited is an online platform based in Gurugram, India, specializing in insurance services. Founded in 2014, the company offers a wide range of insurance products, including life, health, car, two-wheeler, travel, and home insurance. The platform features a comparison portal and mobile application that allow users to compare different insurance plans based on coverage, premiums, benefits, and exclusions. This enables consumers to make informed decisions about their insurance needs. Additionally, PolicyBazaar provides tools and calculators for users to estimate their insurance requirements and premiums. The company primarily generates revenue from its insurance brokerage services, while also aiming to enhance financial awareness in India regarding the implications of death, disease, and damage.

PolicyBazaar Insurance Brokers Private Limited is an online platform based in Gurugram, India, specializing in insurance services. Founded in 2014, the company offers a wide range of insurance products, including life, health, car, two-wheeler, travel, and home insurance. The platform features a comparison portal and mobile application that allow users to compare different insurance plans based on coverage, premiums, benefits, and exclusions. This enables consumers to make informed decisions about their insurance needs. Additionally, PolicyBazaar provides tools and calculators for users to estimate their insurance requirements and premiums. The company primarily generates revenue from its insurance brokerage services, while also aiming to enhance financial awareness in India regarding the implications of death, disease, and damage.

Banco Inter is a subsidiary of Inter & Co., Inc. that provides digital banking services. It offers checking, personal, corporate, and microenterprise accounts; loans and credit cards; and investment and insurance services. Rubens Menin Teixeira de Souza and Marcos Alberto Cabaleiro Fernandez founded Banco Inter in 1994. It has its headquarters in Belo Horizonte in Brazil.

Collective Health is a prominent health benefits platform that streamlines the management of medical, dental, vision, and pharmacy services for employees and their families. By offering an integrated solution through a cloud-based self-insurance platform, the company simplifies the administration of health plans via a single portal. This platform provides users with clear guidance, live concierge support, and digital tools to facilitate the navigation and management of healthcare services. Collective Health aims to reduce the complexities of delivering health benefits, enhance the member experience, and promote healthier outcomes for both employees and organizations. Headquartered in San Francisco, California, the company also has offices in Chicago, Illinois, and Lehi, Utah.

Lemonade, Inc. is an insurance provider based in New York, offering a range of products in the United States and Europe. Founded in 2015, the company specializes in homeowners and renters insurance, covering stolen or damaged property and personal liability for accidents involving customers. Additionally, Lemonade offers landlord insurance policies for property owners renting out their units. The company distinguishes itself by utilizing artificial intelligence and behavioral economics to streamline the insurance process, replacing traditional brokers and paperwork with automated systems. As a licensed insurance carrier, Lemonade aims to enhance customer experience while promoting social good.

Getaround, Inc. is an online marketplace that facilitates peer-to-peer car sharing and local car rentals, allowing users to rent cars by the hour or day through its app. Founded in 2009 and based in San Francisco, California, the company operates in several cities across the United States, including San Francisco, San Diego, Chicago, and Washington, D.C. Getaround’s platform utilizes patented technology to provide a contactless experience, eliminating the need for traditional rental procedures such as waiting in line or meeting car owners. Users can choose from a variety of vehicles, including luxury cars and trucks, while benefiting from included insurance and 24/7 roadside assistance. This model not only offers convenience but also helps car owners earn extra income, thereby reducing the cost of car ownership and promoting environmental sustainability.

Zhong An Online is a Chinese property insurance company that sells all its products online along with handling claims. The company offers e-commerce, mobile payment, and financing guarantee for internet businesses and users. Founded in 2013, Zhong An Online offers business opportunities covering various areas, including the internet-based business and household property insurance, cargo insurance, liability insurance, and credit insurance.

PolicyBazaar Insurance Brokers Private Limited is an online platform based in Gurugram, India, specializing in insurance services. Founded in 2014, the company offers a wide range of insurance products, including life, health, car, two-wheeler, travel, and home insurance. The platform features a comparison portal and mobile application that allow users to compare different insurance plans based on coverage, premiums, benefits, and exclusions. This enables consumers to make informed decisions about their insurance needs. Additionally, PolicyBazaar provides tools and calculators for users to estimate their insurance requirements and premiums. The company primarily generates revenue from its insurance brokerage services, while also aiming to enhance financial awareness in India regarding the implications of death, disease, and damage.

Swiss Re Group is a leading global provider of reinsurance and insurance-based risk transfer solutions, established in Zurich, Switzerland, in 1863. The company operates through three core divisions: property-casualty reinsurance, life and health reinsurance, and corporate solutions. Serving a diverse clientele that includes insurance companies, large corporations, and public sector entities, Swiss Re offers both standard and customized coverage across various lines of business. The firm's extensive expertise, financial strength, and innovative approach enable it to facilitate risk-taking essential for societal and enterprise advancement. With approximately 80 offices worldwide and a workforce of nearly 15,000 employees, Swiss Re is recognized as the second-largest reinsurer globally by market capitalization. The company maintains strong credit ratings from major agencies, reflecting its solid financial position and commitment to its clients.

Ping An Health has established a worldwide medical cooperation network and a customer service response system; both designed in order to provide group and individual customers with complete medical benefits, health care, and consultation services. Ping An Health has an advanced information management system which enables them to provide customers with 24-hour English/Chinese bilingual call services and emergency assistance services in major countries and regions around the world. Ping An Health was established on June 13, 2005 upon the approval of the China Insurance Regulatory Commission (CIRC) , as a professional health insurance company under Ping An Insurance (Group) Company of China, Ltd (otherwise referred to as “PAG”). The company, headquartered in Shanghai, has a registered capital worth of RMB 625 million. In August 2010, Ping An Health entered into a joint venture with Discovery, the largest health insurer in South Africa, which identified Discovery a strategic investor in to Ping An Group. With its global network, Ping An Health has an extensive business scope covering health insurance, accidental injury insurance, health insurance mandated by government, health consultation services, and health reinsurance.

Lemonade, Inc. is an insurance provider based in New York, offering a range of products in the United States and Europe. Founded in 2015, the company specializes in homeowners and renters insurance, covering stolen or damaged property and personal liability for accidents involving customers. Additionally, Lemonade offers landlord insurance policies for property owners renting out their units. The company distinguishes itself by utilizing artificial intelligence and behavioral economics to streamline the insurance process, replacing traditional brokers and paperwork with automated systems. As a licensed insurance carrier, Lemonade aims to enhance customer experience while promoting social good.

InsWeb Corporation operates an online insurance marketplace that electronically matches consumers and providers of automobile, property, health, term life, and small business insurance. The company's marketplace enables consumers to research insurance-related topics; search for, analyze, and compare insurance products; and apply for and receive quotes for coverage for automobile, property, health, term life, and small business insurance. InsWeb Corporation was founded in 1995 and is headquartered in Gold River, California.

InsWeb Corporation operates an online insurance marketplace that electronically matches consumers and providers of automobile, property, health, term life, and small business insurance. The company's marketplace enables consumers to research insurance-related topics; search for, analyze, and compare insurance products; and apply for and receive quotes for coverage for automobile, property, health, term life, and small business insurance. InsWeb Corporation was founded in 1995 and is headquartered in Gold River, California.