Rising claim frequency
Identity theft, account-takeover-driven loss, and deepfake-led extortion of individuals are growing faster than the underlying premium pool.
For business
🛡️ Insurers
Pay fewer claims. Retain more customers.
Bundle Demysti5 with personal or small-business cyber policies as a prevention layer. Lower frequency, lower severity, and a retention story that does not depend on price.
Where the gaps are
What costs your business, first.
These are the three patterns that drive most of the personal-cyber risk for insurers. The plan addresses whichever one matters most for your population.
Undifferentiated personal cyber lines
Most personal cyber policies look alike on paper. Visible, active prevention is one of the few honest differentiators a carrier can offer.
Renewal pressure without rate latitude
In a soft cycle, the lever you have is engagement: claim-free customers who used a prevention tool renew measurably better than those who did not.
The case
Why this is worth doing.
The points below are sourced where a public source exists. Where a number is an internal model or industry observation rather than a measured fact, we say so.
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Personal cyber insurance is one of the fastest-growing personal lines in major markets, alongside identity-theft riders.
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In personal cyber lines, loss frequency dominates loss ratio more than severity; prevention is therefore the most reliable lever.
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Engagement with a daily safety habit is observable, attestable, and can underpin renewal pricing or claim discounts.
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Demysti5 deploys as a co-branded portal or as a benefit inside the policyholder app.
Frameworks and obligations
Aligned with what you already have to do.
We do not claim certifications we do not hold. The list below is where Demysti5 either fits an existing obligation, supports a control, or stays out of regulated data flows by design.
NAIC Insurance Data Security Model Law (US)
Aligns with consumer-protection signalling.
GDPR (EU/UK)
Privacy-by-design: aggregate reporting only.
State personal-cyber regulation
Active prevention is recognised as a positive signal in several US state markets.
Your plan starts with one 60-second check.
Same product, shaped to how you live online. No email, no card, no download.