Our comapny

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Insurance Data LogicInsurance Data Logic
An InsureTech and Media CompanyAn InsureTech and Media Company
www.insurancedatalogic.comwww.insurancedatalogic.com

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Insurance Data Logic was founded by seniorInsurance Data Logic was founded by senior
insurance executivesinsurance executives
Mission: Our content and analytics are changing the way
underwriters, brokers and insureds use information and data.
Objective: We can help make the right decision in both evaluating
and purchasing insurance.
Focus! Focus!! Focus!!! Focus!!!!

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Product/Services
We offer three integrated insurance tech and media
product/services with no existing competition:
Insurance Premium Estimator
Insurance Policy Metrics
News, Information and Services

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Insurance Premium Estimator

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Insurance Premium Estimator
Our Insurance Premium Estimator is an online
calculator that allows an agent/broker or insured
to view the method and rate factors an
underwriter uses to quote a submission based on
evaluation of an application and supporting
information.
A user obtains a better understanding of the different rating factors assigned to limits,
deductibles, territory, business characteristics, claim history, management and various
risk parameters associated with an insurance product and an account – all used in
coverage determination and premium quotation.
The Insurance Premium Estimator can work with Insurance Policy Metrics to estimate
premium price and measure coverage.

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How Rates are Determined
Understanding Rate Modifiers
Both a retail agent/broker and a
wholesale broker, or a company or an
organization and prospective purchaser of
insurance should have a basic
understanding of the method an
insurance company uses to determine the
premium that will be paid for insurance.
A knowledge of rating factors enables an
agent/broker to provide an insurance
premium estimate based on calculating
different rating modifiers.

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Premium Quotation
Understanding Pricing
Our Insurance Premium Estimator allows
agent/brokers and insureds to compare
rate factors and calculate premium for
professional liability, cyber risk (see
example below), builder's risk, directors
and officers liability, pet heath insurance
and other insurance product lines.
An agent/broker can negotiate coverage
and premium with knowledge of the
underwriting, rating and pricing process.
Go CyberInsurancePremiumEstimator

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Sample Ad

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Insurance Policy Metrics

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Insurance Policy Metrics
Insurance Policy Metrics (“IPM”) is the first benchmark service to provide a consistent
method of comparing both commercial and personal insurance policies quantitatively
with a singular numerical factor of one to one thousand.
We utilize dozens of claim simulations (not actual claims) to measure and evaluate
coverage, claim payment and premium for each insurance policy.
The single IPM factor can help determine the best relative value of a policy
compared to other policies based on analyzing all the variables of each
insurance policy.
*Insurance Policy Metrics is patent pending with the United States Patent and Trademark Office.

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Perplexing Problem
Insurance Policy Comparison
• A policy review is subjective and the
significance of different wording,
(insuring agreement, definitions, terms
and conditions, exclusions) while
important is hard to weigh and
compare on a consistent basis.
• Each insurance policy may have
relative strengths and weaknesses in
coverage, numerous variations plus
different premiums.
• Problem: How do you equate
coverage with premium and accurately
compare different quotations from
various insurers on an equitable basis
with so many variables?

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Comparing Apples and Oranges
Solution
• There are two major considerations in
buying insurance – coverage (payment
of a claim) and premium (cost).
• The purpose of Insurance Policy
Metrics ("IPM") is to compare the
relative value of different insurance
polices using various types of claim
scenarios (hypothetical, but based on
real claims) to determine coverage and
payment of losses relative to premium
for each policy.
• A numerical factor is developed for a
policy that enables a user to measure
and weigh both coverage and premium
and compare one policy to other
policies on a consistent and
standardized basis.

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IPM Process
We offer both:
• Company Policy Coverage Rating: An independent and standardized method and
rating system of evaluating coverage, projected claim payment and premium of
different insurance policies using a statistical sampling of actual accounts. An IPM
rating can be used in conjunction with a financial condition rating.
To provide consistency, cyber attack modeling and simulation is the same for all
insurers and is based on an account's business segment, security protection, revenue
size, geography, number of personal customer, client or patient records and number
of employees. Policy conditions (coverage, limit, deductible, premium) varies by
insurer.
• Individual Account Comparison: An account rating system and IPM index that
allows an insurance broker to obtain an individual account rating and comparison of
different insurance policies for a specific account based on actual quotations. Over 50
companies are evaluated including 25 claim examples for each company.
Both processes use our proprietary algorithm and claim simulation methodology.

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Which Policy is the Better Value?
Methodology
• IPM evaluates the cash inflows and
cash outflows for various types of
claims (high risk, moderate risk and
low risk claims) for coverage and claim
payment of each insurance policy. The
relative value of different insurance
policies are calculated numerically.
• The IPM Index is the reciprocal of the
ratio of Cash Outflows/Cash Inflows. A
higher index is more favorable.
• A user inputs premium, limits,
deductible, co-payment and selects
different claim situations based on the
insured’s profile.

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IPM Calculation
Evaluation Process
• Total Cash Outflow = Premium
Amount + Retention/Deductible/Co-
Payment Amounts + Amount Not
Covered
• Total Cash Inflow = Paid Claim
Amounts + Legal Expenses + Fines +
Penalties + Other Paid Amounts
• Relative Value of Insurance
Coverage = Reciprocal of Total Cash
Outflow/Total Cash Inflow (A higher
number is more favorable). Range
varies from 0.00 to 1,000.00.

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IPM Policy Coverage Rating
The purpose of Insurance Policy Metrics ("IPM") Policy
Coverage Rating is to provide a standardized method and rating
system of evaluating coverage, claim payment and premium of
different insurance policies based on projected probability and
severity of claims.
To accomplish this objective for an insurance company we process information from a
statistical sampling of various accounts utilizing information in applications and
declaration pages. The insured is not identified. The statistical sampling of up to 250
accounts provides data to produce a confidence level of 95% and a margin of error of
5%.
IPM evaluates coverage and claim payments related to limits, deductible and premium
Insurer A Insurer B Insurer C Insurer D Insurer E Insurer F Insurer G
IPM 820.0 540.4 870.1 920.1 750.6 770.5 890.1

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IPM Insurance Categories
All types of insurance policies can be
evaluated including:
• Builders risk
• Property,
• Casualty,
• Professional liability for accountants,
lawyers, etc.
• Directors and officers liability,
• Cyber,
• Political risk
• Marine and aviation
• Pet insurance
• etc.

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Cyber Insurance Case Examples
• Example A - Personal Records
Disclosure
• Example B - Stolen Laptop
• Example C - Denial of Service
• Example D - Data Extortion
• Example E - Malicious Use of System by
Insider
• Example F - System Virus
• Example G - Data Security Breach
• Example H - Failure of Cloud Service
Provider
• Example I - Contractual Liability
• Example J - Supply Chain Data
Interruption
• Example K - Healthcare Records Breach
• Example L - Phising Attack
• Example M – Fraudulent Money Transfer
• Example N - Malicious Use of System by
Contractor
• Example O - Intellectual Property File
Breach
• Example P - Website and Internet
Content
• Example Q - Identity Theft
• Example R - Malware Infection
• Example S - Stolen Credential
Repositories
• Example T - Social Media Impersonation
• Example U - Rogue Mobile Applications
• Example V - Reputation Defense
• Example W - State Sponsored Cyber
Attack
• Example x – Watering Hole Attack
• Example Y – DNS Poisoning
• Example Z – Botnet
• Example AA – Spamming Platform
• Example BB – Third Party Vendor
• Example CC – Wrongful Data Collection
Claim Scenarios

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Sample Ad

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News, Information and
Services

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Marketing Strategy
Target Marketing
Insurance professionals focus by product line. Most industry
resources are general and contain information that is
extraneous or not of interest to potential users who
concentrate their time and effort by insurance specialty.
A principal observation is the immense amount of content
available today is not being delivered efficiently in a format
that is useful to the specific product line goals and needs of
the underwriter, claims specialist, insurance broker and risk
manager. Cyber Insurance News is now available and other
insurance product news services will be implemented.
To gain industry recognition and support both Insurance Premium Estimator and
Insurance Policy Metrics must be actively and continuously promoted. Our news
websites and conferences help in accomplishing industry awareness.

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Cyber Insurance News
Cyber Insurance News™ provides daily cyber insurance
and network security industry news. It is a comprehensive
source of information and services including a) industry
directory, b) insurance policy, coverage and claim issues,
and c) cyber attacks and data breaches, d) and
information, announcements and articles relevant to the
cyber risk insurance and security community. Go
www.cyberinsurance.news
MUST READING: Our information, services and programs are marketed to over 500,000
businesses, 200,000 risk managers and chief information officers, and over 50,000
insurance producers and insurance professionals! Our briefings provide busy people
with one, two sentence “Twitter” style summaries with access to full articles and further
information.
Our first Cyber Attack and Strategy Conference for Law Firms (other industry segments
to follow) is planned for 2017 with live video streaming to several cities.

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Sample Ad

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Sample Ad

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Our Story

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Developer
John Vassilliw
Mr. Vassilliw has thirty years of insurance
experience. Business background includes
underwriting officer and Vice President in
financial risk and product development
with insurance companies and agencies
including AIG (US flagship operation -
National Union Fire Insurance Company,
INA (CIGNA/ACE) and AVI Insurance
Brokerage. John received a BSBA from
the University of Vermont.
He currently operates an insurance
consulting and brokerage company.

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