SmartInsurProtocol
SmartInsurProtocol
Token: SIPC


Foresee the Future of Insurance

ICO dates
Start date: 2018-04-01
End date: 2018-07-01

Registrated in: Singapore

Platform: Ethereum
Type: ERC20

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SmartInsurProtocol categories
Artificial Intelligence Smart Contract
SmartInsurProtocol whitepaper
Video
SmartInsurProtocol token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries USA and China
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Random whitepaper excerpts

catalogue
2
1. Executive Summary
2. SmartInsurProtocol
Insurance Underlying
Chain Community
Ecosystem
1.1. Background
3
1.2. Vision
6
1.3. Core Competence
7
2.1. Community habital hall
9
2.1.1. product issuer
9
2.1.2. Product Supporter
10
2.1.3. Product Salesperson
10
2.1.4. Underwriters and claims specialists
10
2.1.5. Applicants
11
2.1.6. Robotic Assistant InsurBot Jr
11
2.2. SmartInsurProtocol Ecosystem Chart
12
2.3. Information prophecy intermediary, Oracle and data
processing
13
2.4.AI Data Processed by Blockchain
13
2.5. SmartInsurProtocol Smart Contract
14
2.5.1.Insurance Product Smart Contract
14
2.5.2.Insurance Product Investment Smart Contract 14
2.5.3.Insurance Policy Smart Contract
15
2.5.4.Claims Smart Contract
15
2.5.5.Insurance Robot Smart Contract
15
2.6. ...

5. The Team & Fund Committee
5.1. Fund Structure
27
5.1.1. SmartInsurProtocolDecision Committee
27
5.1.2. SmartInsurProtocol Product Centre
29
5.1.3. SmartInsurProtocolTechnology R&D Centre
29
5.1.4. SmartInsurProtocolMarketing and Public Relations
Centre
29
5.1.5. SmartInsurProtocolOperation Management Centre 29
5.2. Core Team and Strategic Partners
30
5.3. Consultants & Early Investors
35
5.4. Management Model
37
5.4.1. SmartInsurProtocol Fund Establishment
37
5.4.2. SmartInsurProtocol Fund Operation Model
37
5.4.3. Legal Compliance and Other Issues
38
6. Outlook
7.Risk Disclosure & Disclaimer
7.1. Risk Disclosure and Recognition
40
7.2. Disclaimer
43
3
© 版权所有 2018 SmartInsurProtocol Foundation Ltd
Website: s-i-p.io
...

1.
Executive Summary
s
1.1
mart insur protocol
Background
Artificial Intelligence(AI)has swept the whole financial
market with the changes it has brought. Take insurance
industry for instance, Japanese life insurer Fukoku Mutual
Life Insurance Company has adopted AI in 2017 and laid
off 30% of manpower in claims department. A series of AI
robots, represented by IBM Wat son, has joined and served
USAA, Softbank, Singapore Development Bank and hundreds
of other enterprises and institutions in dozens of countries
and/or regions. Ex Global VP of Google has said that the
best application area of AI is in finance. As an important
4
part of finance, insurance is heavily based on knowledge and
experience, which enjoys natural advantage of possessing
massive data which is much needed for training AI. In this era
of AI, how insurance practitioners take control of AI and create
value by making AI our safe and efficient assistant?
☉ ...

Insurance is an fast growing and enormous industry without
volume limitation. According to German insurance giant,
Allianz Group, global insurance premium income reached 3.65
trillion Euro in 2016, which exceeded annual GDP of world’s
3rd largest economy Japan. China is now the 2nd largest
economy after achieving 20% growth in 2017. Behind such
immense growth, Insurance industry remain inefficient as it is
still highly manpower intensive and is traded through multiple
layers of intermediaries. Insurance industry is highly relied on
trust but, unfortunately, the frequent breaches of contracts
or regulations by practitioners have seriously damaged the
reputation of the industry, and the fake insurance policies or
other fraudulent acts have constrained insurance industry
from developing further healthily.
industry also has examples of decenInsurance tralization, one
of with is the world famous Lloyd’s Market. The Lloyd’s
is an insurance market standing in London that ...

entities, players, insurance products, insurance policies,
claims etc. will be managed through smart contracts
which significantly reduces operation costs while increases
confidence of insurance applicants/assureds at the same time.
Insurance carrier’s data and information will be thoroughly
analysed by AI technology and be used to train their own
blockchain-certified robots. Protected by blockchain
technology, these robots’ capability will grow even more
rapidly by exchanging these data and information. These
robots are not subject to any limitation of time and physical
space, which further reduces cost, improves efficiency and
provides professional insurance services to the community, so
that community members will own their own digital asset and
profit from it.
6
The combination of Blockchain and AI enables people from
around the globe to join freely the insurance community that
introduces a heavenly next-generation insurance market in
which assureds...

We have utilized Blockchain technology to streamline the
procedure of application, policy and claims handling. This
insurance underlying chain connects insurance players of
all areas from around the globe. In this truly decentralized
insurance marketplace, all purchasing, claims and other
actions are fully traceable: salespersons, agents, all
intermediaries and actuaries worldwide are able to launch
their own products, applicants worldwide are able to purchase
and make claims, underwriters and claims specialists
worldwide are able to provide professional services, and
investors from around the world are able to make investments
in insurance industries. Every participant can create and
train their own robot by inviting other members’ assistance
and finally obtain exclusivity of an AI robot after Blockchain
certification and enjoy the profit of the robot by sharing
insurance knowledge, experience, or servicing assureds more
efficiently and professionally. The combination...

A mature, user-friendly, full-cycle and full function insurance business system
v2.0 has been up and running for more than 1.5 years, which offers new products
launching, products management, sales channel management, policy and
endorsement management, claims management etc.
Aimi is the first robot in insurance
industry who is capable of working in
area of customer service, sales assistance
and claims assistance by being able to
understand a policy’s coverage, to design
an insurance product, to underwrite a risk
理解保险责任
and quote a premium rate, to handle a
claim case, to answer products enquiries.
Aimi’s abilities are from intensive trainings
using the technologies of Natural Language
Processing (NLP) and Machine Learning (ML)
产品咨询
读懂保单
Aimi
保险方案设计
核赔定损
核保定价
and based on insurance knowledge graph
8
with tens of millions of data at the core.
The insur...

s
2.1
mart insur protocol
Product Publisher
Community Member
In this decentralized insurance underlying chain, members
of the community will contribute to the development and
improvement of DAO insurance underlying chain. New joiner
will need a referral and at least one endorsement by existing
members. Roles of community members:
2.1.1.
product issuer
Actuaries from around the globe can publish their products
in the community. When their product win sufficient
产品发行者
发布自己的产品
SmartInsurProtocol Token from supporters, they can publish
the product to the underlying chain and earn profit from the
product at final settlement. product issuer can authenticate
their insurance robot through Blockchain and train them
through behaviour data. A product issuer may raise the value
of his/her insurance robot by introducing more new products,
win more supporters, more applicants and develop more
9
distribut...

SmartInsurProtocol Roadmap

1
Q1 2018
proof-of Concert logic display page completion Rules and regulations on insurance underlying chain structure design, product publishing limit, and reserves criteria for community access, identity management and interaction protocol matching
2
Q2 2018
Completion of smart contract algorithm and product development framework for insurance products, insurance product investment, insurance policy, claims handling, insurance robots
3
Q3 2018
Release Beta version for PC, providing product publishing function and publish 2~3 insurance products
4
Q4 2018
Release v.1.0 for PC, providing product support function, complete supports for initial products
5
Q1 2019
provide product sales, insurance application functions; publish initial products facing community members build machine learning modular, provide initial robot authentication modular authentication of product publisher, salesperson, underwriter and claims managers and their robots
6
Q2 2019
Release v.1.0 for PC frequent functions deployed to mobile, supporting mobile product publishing, support, sales and applicaiton machine learning modular for robot evolutions
7
Q3 2019
Release v.2.0 for PC, providing claims request, claims handling and renewal managemet platform will support more types of products
8
Q4 2019
Release v.2.0 completion of DAO, AI machine learning modular for robots evolution, data sharing and training on request
Leo Wang
Advisors Leo Wang

David Tang
Advisors David Tang

Katie Gang
Advisors Katie Gang

David Tang
David Tang
ICO Promotion Advisor
Leo Wang
Leo Wang
PreAngel Fund Founder
Founder of PreAngel
Founding Partner, PreAngel
Investor & Strategic Advisor Founder, PreAngel Fund NEO's Angel Investor
Founding Partner of PreAngel Fund, PUC Foundation Advisor