🏥Capital premium

Unistar Finance achieves capital efficiency in two main ways:

● Whale buckets to spread risk across multiple policies

● Just as traditional insurers invest their assets, Unistar works with partners to earn a return on the capital provided, using their asset management infrastructure.

Premiums depend on a variety of factors; fair pricing methodologies applied to each individual policy or policy type, assumptions and data on correlations between policies belonging to the same whale bucket, loss distribution modelling and, for the most recent policies, supply and demand curves allowing for premium price changes based on insurance capacity utilisation.