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Archivo del Autor: Belen De Leon

The Jay-Z-backed life insurance startup, Ethos, has raised $35 million

Ethos, the startup marketing a new life insurance product for people who probably haven’t really thought about life insurance, may have 99 startup problems but new capital ain’t one.

The company just announced that it raised $35 million in a new round of financing.

That’s a pretty big number for a company in the normally staid life insurance world, but considering that the company’s previous round of $11.5 million came from the family offices and investment firms of Hollywood and sports celebrities like Will Smith’s Smith Family Circle; Robert Downey Jr.’s Downey Ventures; Kevin Durant’s Durant Company; Arrive, the Roc Nation investment company from Jay Z; and leading Silicon Valley investment firm Sequoia Capital, folks probably shouldn’t be too surprised.

The new funding was led by Accel Partners, with new investor GV (the investment firm formerly known as Google Ventures) also participating alongside return investors Sequoia Capital and Arrive .

Ethos makes its money by providing an online and mobile sales channel for insurance policies created by the Lincoln, Neb.-based life insurance company, Assurity Life.

Rather than selling permanent life insurance, which requires users to pay in perpetuity and which payers often let lapse or opt out over time for a loss, Ethos bills itself as a more equitable insurance provider by only offering term life insurance, which policy-holders only have to pay for a fixed period of time.

The term life insurance policies are less expensive than permanent life insurance offerings.

Given how little insight customers have into the process other insurance providers, which pay their salespeople on commission, have incentives to pitch the more expensive policies that customers often let lapse. It’s a win-win for the insurer, according to company chief executive officer, Peter Colis.

Ethos co-founders Peter Colis and Lingke Wang

“They’ll often convince people they need permanent life insurance. And they’ll give a you a bait and switch price that less than 10% of people qualify for,” he said.

By contrast, Ethos doesn’t pay its salespeople on commission and prices are among the lowest in the industry — while the folks that can receive the coverage are among the broadest.

It’s a new way to sell an old product to a generation that doesn’t have much use for the stereotypical insurance salesman and can’t stand the process of hours of paperwork. Using population data, Ethos can offer insurance policies in roughly ten minutes based on a few bits of customer information.

Based on those answers, the company will calculate a price for a policy, depending on whether a potential policy-holder wants insurance that would last anywhere from 10 to 30 years.

“We’re processing thousands of apps and customers,” said Colis.

Colis and his co-founder Lingke Wang have deep experience in the life insurance industry. The two previously founded Ovid Life, a company that created a secondary marketplace for life insurance policies where policyholders could cash out of their policies by selling them to willing buyers.

In addition to its cash investment, Ethos also managed to score a debt round from Silicon Valley Bank .

As a result of the investment, Accel partner Nate Niparko will join the Ethos board of directors and GV General Partner Tyson Clark will become an advisor to the company’s board.

It’s no surprise that venture investors are becoming more interested in the insurance industry. Startup companies have raised billions and have seen multiple exits already as insurers try to shore up their defenses against incumbents in the industry that are also — backed by venture capitalists. Indeed, many insurance companies have set up their own funds to invest in new technologies before they become “disrupted”.


Source: TechCrunch

How Boston Dynamics' Robot Videos Became Internet Gold

CEO Marc Raibert shares the backstory of his company’s viral videos and how the internet’s favorite robot dog, SpotMini, came to be.
Source: Wired

Apple Store down ahead of iPad event – CNET

Apple is expected to unveil new iPads and MacBooks at its event in Brooklyn.
Source: CNET

Apple iPad Pro Announcement 2018 Liveblog

Follow Apple’s October 30 iPad Pro event in New York with our live news updates.
Source: Wired

One of crypto’s longest-running exchanges has been sold

One of the longest-standing crypto exchanges has new owners after Europe-based Bitstamp was sold to South Korea’s Nexon, marking the gaming firm’s second such acquisition.

The acquirer is NXMH, a Belgium-based PE and investment firm owned by NXC — the parent of Nexon — and it will take a majority 80 percent stake in the business for an unknown fee. The New York Times’ Nathaniel Popper suggested earlier this year that Bitstamp was in the process of being sold “to South Korean investors” for $400 million, but NXC declined to comment on the price when asked by TechCrunch.

NXC acquired 65 percent of Korea-based exchange Korbit one year ago for 91.3 billion KRW, or approximately $79.5 million at the time.

Bitstamp was founded in 2011 by Slovenian entrepreneur Nejc Kodrič with an initial €1,000 and it survived the heady early days of crypto, unlike a certain peer named Mt. Gox. Today, Bitstamp is ranked inside the world’s top 30 exchanges based on trading volume with more than 100 staff. Bitcoin and XRP are among its most traded tokens, according to data from Coinmarketcap.com.

The company has a license to do business across the EU but it also works with customers worldwide.

Bitstamp has been profitable since its early life, but Kodrič revealed the sale is down to the potential to work with NXC, which he sees as a like-minded partner.

Bitstamp has been regularly approached by suitors for quite some time. The reason why we finally decided to sell the company is a combination of the quality of the buyer, the quality of the offer and the fact that the industry is at a point where consolidation makes sense. A major factor in agreeing to the sale is that the mission, leadership and vision of the company remains the same.

We believe this acquisition is the logical next step in Bitstamp’s growth as a company and I look forward to the future with this team.

The Bitstamp CEO said business will continue as normal — he’ll retain his position as CEO and keep 10 percent of the company.

Interestingly, he told Fortune that regulatory compliance meant the deal took some ten months to close after first being agreed in December 2017 when crypto market valuations hit a peak — with Bitcoin, in particular, getting close to a record $20,000 valuation.

Bitstamp raised around $14 million in capital from investors along its journey, with U.S-based Pantera capital one of its major backers.

Note: The author owns a small amount of cryptocurrency. Enough to gain an understanding, not enough to change a life.


Source: TechCrunch

iOS 12.1 with Group FaceTime, new emoji, dual-SIM hits iPhones Tuesday – CNET

The update also brings dual SIM support to the iPhone XS, iPhone XS Max and iPhone XR.
Source: CNET

For Halloween, Google scares up its first multiplayer Doodle game – CNET

Invite seven friends or family members to play Great Ghoul Duel or join random strangers from around the world.
Source: CNET

How to watch the live stream for Apple’s iPad and Mac keynote

Apple is holding a keynote today at the Brooklyn Academy of Music’s Howard Gilman Opera House, and the company is expected to unveil a brand new iPad Pro as well as updated Mac computers. The event starts at 10 AM in New York (7 AM in San Francisco, 2 PM in London, 3 PM in Paris), you’ll be able to watch the event as the company is streaming it live.

If you live in Europe and already put a note in your calendar, make sure you got the time right as daylight saving time has yet to happen in the U.S. New York is currently 4 hours behind London, 5 hours behind Paris, etc.

Apple is likely to unveil a new iPad Pro to replace the 10.5-inch and 12.9-inch iPad Pro. Rumor has it that it’ll look nothing like your current iPad. The device should get rounded corners, thinner bezels and a Face ID sensor. Apple could also switch to USB-C instead of Lightning and refresh the Apple Pencil.

On the Mac front, the MacBook Air could get a refresh. This could be Apple’s new entry-level laptop. But it should sport a retina display for the first time. There could also be a new Mac Mini of some sort after all those years without an update.

Finally, maybe Apple will tell us why the AirPower charging mat is still not available. Apple might also update the AirPods. But maybe it’ll happen later.

If you have a recent Apple TV, you can download the Apple Events app in the App Store. It lets you stream today’s event and rewatch old events. Users with pre-App Store Apple TVs can simply turn on their devices. Apple is pushing out the “Apple Events” channel so that you can watch the event.

And if you don’t have an Apple TV, the company also lets you live-stream the event from the Apple Events section on its website. This video feed now works in all major browsers — Safari, Google Chrome, Mozilla Firefox and Microsoft Edge.

So to recap, here’s how you can watch today’s Apple event:

  • On iOS: Safari.
  • On the Mac: Safari, Google Chrome or Mozilla Firefox.
  • On Windows: Google Chrome, Mozilla Firefox or Microsoft Edge.
  • An Apple TV with the Apple Events app in the App Store.

Of course, you also can read TechCrunch’s live blog if you’re stuck at work and really need our entertaining commentary track to help you get through your day. We have a big team in the room this year.


Source: TechCrunch

An Attack on Titan movie, by the director of It, is in the works – CNET

The wildly popular Japanese anime is getting a Hollywood adaptation, and a high profile director at the helm.
Source: CNET

Ian Small, former head of TokBox, takes over as Evernote CEO from Chris O’Neill

Former TokBox head Ian Small is replacing Chris O’Neill as CEO of Evernote, the note-taking and productivity app company said this morning. In a blog post, Small said that the leadership change was announced to employees this morning by Evernote’s board. “We are all hugely appreciative of the energy and dedication Chris has shown over the last three years, and in particular for putting Evernote on solid financial footing so we can continue to build for the future,” he wrote.

Small added, “When Stepan Pachikov founded Evernote, he had a vision for how technology could augment memory and how an app could change the way we relate to information at home and at work. Evernote has been more successful at making progress towards Stepan’s dreams than he could have imagined, but Stepan and I both think that there is more to explore and more to invent.”

O”Neill had been Evernote’s CEO since 2015, when he took over the position from co-founder Phil Libin. Small previously served as CEO of TokBox, which operates the OpenTok video calling platform, from 2009 to 2014, and then as its chairman from 2014 to July of this year.

O’Neill’s departure as CEO is the latest significant leadership shift for Evernote, which has withstood several key executive departures over the last few months. In early September, we reported that the company had lost several senior executives, including CTO Anirban Kundu, CFO Vincent Toolan, CPO Erik Wrobel, and head of HR Michelle Wagner, as it sought funding in a potential down-round from the unicorn valuation it hit in 2012. According to TechCrunch’s sources, Evernote had struggled to grow its base of paid users and active users, as well as enterprise clients, for the last six years.

Then a few weeks later, Evernote announced that had to lay off 54 people, or about 15 percent of its workforce. O’Neill wrote a blog post about the company’s future growth strategy, including streamlining specific functions like sales so it could focus on product development and engineering.


Source: TechCrunch

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