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  "documentTitle": "The pitch deck a direct-to-consumer life insurance startup used to raise $20 million",
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      "kind": "list",
      "text": "Low-margin, commodity products. Term life margins are very thin: 6% or less.",
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      "text": "Underwriting that's slow and accurate or fast and risky. Months to issue a policy. Faster coverage by increasing price and risk.",
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      "text": "Confusing products that don't meet consumer needs. \"Is $500k or $1M enough? How long should my policy last? Term? Whole? Variable? Is my family really protected?\"",
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      "text": "A fragmented distribution system that isn't trusted. 95% of policies are sold through commissioned brokers, and 89% of people distrust them.",
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