Assignment Objective 
Develop a market entry strategy and bottom-up financial model for launching a scalable insurance distribution business in India.

Methodology & Thinking Process

All strategic choices and financial assumptions were grounded in industry research, regulatory guidelines, and benchmarking against insurance distribution platforms in India.

1. Market Opportunity & Strategic Rationale:

- Macro-to-Micro Opportunity Mapping: Analyzed India’s low insurance penetration alongside rising disposable incomes, demographic tailwinds, and regulatory support to identify high-growth entry segments across life, health, and motor insurance.

- Strategic Licensing Selection: Evaluated distribution models and selected a Digital-First Insurance Broker license to enable a multi-insurer product shelf, scalability, and cost efficiency.

2. Business Model Design:

- Integrated Unit Economics: Built a bottom-up unit economics model to optimize blended commission margins by balancing high-volume products (motor) with higher-margin protection products (life and health).

- Cohort-Based Revenue Architecture: Structured a three-year revenue roadmap using customer cohorts, explicitly modeling renewal commissions to highlight long-term Lifetime Value (LTV).

- Revenue Mix Evolution: Modeled the transition from early-stage reliance on new policy sales to a mature, renewal-led revenue base.

3. Financial Modeling & Profitability Path:

- Bottom-Up Financial Model: Built a detailed 3-year financial model linking customer penetration, policy volumes, renewal rates, commission rates, and cost drivers to assess scalability and break-even.

- Variable Marketing Attribution: Designed a performance-linked marketing framework that scales with customer penetration, prioritizing owned channels to reduce CAC and support faster break-even.

- EBITDA Leverage: Structured low variable-cost offerings to ensure incremental revenue scales efficiently into margins over time.

4. Differentiation Focus - Ancillary Revenue & Retention Levers: This section reflects my emphasis on building durable, regulation-resilient revenue streams beyond core commissions.

- Commission-Independent Monetization: Designed a Value-Added Services (VAS) layer to diversify revenue beyond regulated commissions.

- Platform Monetization: Created high-margin B2B revenue streams through insurer-sponsored featured placements.

- Service-Led Retention: Integrated a concierge-led claims and servicing model to improve persistency and protect renewal income.

Outcome: Overall, the work demonstrates my ability to translate market research and strategic trade-offs into executable economics within a regulated environment.