For investors
The thesis in plain terms, what is already operating, and what is still ahead. No projections, and nothing here is an offer of securities.
The thesis in plain terms
Most of what a policyholder pays covers distribution and process rather than protection. That is a structural cost, and it cannot be fixed one layer at a time.
Solved Ventures owns every layer between the premium and the risk. Owning the stack produces savings that compound, because no handoff belongs to a vendor, and an operation we can run tighter than anyone renting the pieces, because every layer is operated for the same outcome.
That efficiency pays for two things the rest of the industry cannot afford: a patented comparative method that underwrites across Medicare, life, and ancillary at once, and the selectivity to place only the right customers onto products we designed for them. Those products cost the consumer less and still carry the margin a carrier needs, and the policies stay in force, which lowers the cost of the next case again.
Three levers that compound
The case for a holding company is not diversification. It is that each of these makes the next one affordable.
Lower cost from owning the stack
Owned demand removes the aggregator margin. Owned telephony and software remove the vendor margin on every call and every enrollment. One identity layer, one client record, and one compliance posture serve six companies instead of being paid for six times. This is the lever that funds the others.
Selective, multi-product underwriting
The comparative method evaluates a case against many carriers and products at once, so a risk that does not fit a proprietary product is placed with a carrier where it does. A decline becomes a placement, which is what makes discipline survivable, and only fitting cases reach our book.
Products priced lower at full margin
Owning the product turns the lower cost structure into a lower price rather than a wider margin, while keeping the margin a carrier needs. Policies placed where they fit persist, and persistency is what makes every other lever pay back.
What is de-risked, and what is still ahead
The useful question is not what the group plans to be. It is which parts already have customers.
Operating today
- Two platforms with external revenue. AgentTech Dialer and Solved Telephony, including AI Voice Agents at $0.10 per minute.
- An operating FMO and lead company. Solved Solutions contracts producers across Medicare, life, and ancillary; Solved Marketing sells exclusive demand.
- A working comparative method. It powers the AI Plan Recommender inside Solved Enroll today.
Still ahead
- Product approval. Solved Insurance products are pending state approval. Nothing is on sale, and the timeline belongs to regulators.
- Building a book that persists. Neither is proven by a platform that works.
- Reinsurance structuring through Solved Re, and the 2027 public rollout of Solved Enroll.
FAQs
Questions from investors
What is de-risked today and what is not?
De-risked: AgentTech Dialer and Solved Telephony are in production with paying customers inside and outside the group, Solved Solutions is an operating FMO, and Solved Marketing is an operating lead company. Not de-risked: state approval of proprietary products, building a book on them, and structuring reinsurance through Solved Re. Solved Enroll sits in between, in private beta ahead of a 2027 rollout.
Are you raising, and what are the terms?
Nothing on this site is an offer to sell securities or a solicitation of an offer to buy them. We publish no funding history, valuation, revenue, or projections. Conversations with investors happen directly, with real diligence materials, under the appropriate agreements.
How do you think about capital?
Own the margin leaks, which are acquisition, underwriting, and distribution. Buy the commodity inputs, which are cloud, payments, and data. Expect each company to carry its own weight on its own customers. Be patient on the product, because insurance moves at the speed of regulators.
What would make this thesis wrong?
Regulatory timelines on product approval, concentration in one demographic, the capital intensity of holding risk, and the execution cost of running six companies well. All four are on the strategy page with what we do about each.
Something else? Contact us
Press on the parts we are least sure about.
Email contact@solvedventures.io and tell us which layer of the stack you want to examine first.