InsurTech Unit Economics: Three Levers That Actually Work
InsurTech margins in India collapse at scale because CAC rises faster than retention. Gross margins hover at 18-24%, well below breakeven. Three specific levers—pooled underwriting, API-first distribution, and claims automation—can move the needle by 8-12 points within 18 months.
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Amit Tyagi
Founder, AletheiaAI & GP, Fitoor Capital
Veteran of India's startup ecosystem. Writing about fundraising, investor psychology, and what it takes to build fundable startups in India.
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