United States, Ca... "Vision Our central mission is to become an on-line Mega Insurance Broker offering real-time quotes and full servicing for a complete line of Personal Insurance products. SimpleSurance.com is looking to produce a paradigm shift in the way people view and purchase insurance products. The Opportunity There are three primary factors which make the availability of an on-line insurance brokerage not only feasible but also necessary. First, the Internet continues to expand in scope and efficiency. As consumer familiarity increases so does the expectation that everything be available for purchase via this medium, including insurance. Second, insurance is a very traditional industry with a dismal reputation for reliabiltiy and trustworthiness. Therefore we expect a welcome reception by consumers to a new way of taking care of a very old but necessary concern. Third, current pricing is very competitive and coverage is wiedely available due to the strong financial markets. However, a shift in the financial markets will cause carriers to tighten underwriting policies therevy increasing prices and decreasing coverage availabiltiy. When this happens consumers will need an alternate place to seek coverage which offers many options, such as SimpleSurance.com Our practice experience shows that consumers become easily irritated and frustrated when discussing insurance products mostly because it is a confusing and intimidating product. Additionally, contrary to popular belief, most consumers purchase personal insurance products based on price. They do not have the time or the inclination to spend time with fast-talking insurance agenct who speak in strange terms. Consumers want fair prices with good companies and to put forth a minimum of effort in making these compensatory purchases. Consumers are ready for something new and different in the insurance arena and we are going to give it to them. In a Nutshell SimpleSurance.com will be an On-Line Insurance Broker offering the simplest, most consumer oriented method by which to educate consumers on product options and personal insurance coverages, receive quotes, and purchase policies on-line while receiving exceptional levels of service should they have a question or a claim. Consumers will be able to obtain quotes from all Independent AGency Companies (i.e. not direct writers such ast State Farm, Allstate, etc.) at reduced prices, leaving the consumer with the ability to make and immediate purchase decsion from those choices. Providing a full scale insurance brokerage on-line will enable customers to visit the site for all of their insurance questions and needs, ultimately establishing a long-term relationship with SimpleSurance.com. The real-time shop and compare strategy will enable customers to buy in a way that is both efficient and convenient, while saving money at the same time. Why Buy From Us? SimpleSurance.com will be differentiated by how we sell and the experience the customer has on our site versus the others. We will handle the transaction from start to finish. The sonsumers is never passed off and no extra work is created for them. It is well established that the primary reasons people shope via the Internet are: 1) convenience 2) added value 3) favorable pricing 4) ease of use... we intend to provide all four of these elements. SimpleSurance.com's competitive edge is three-fold. First, the focus is on simple. The goal is to make all interactions simple and obvious while providing the educational tools needed to eliminate the headache and confusion of purchasing insuranc epolicies. Second, the site will provide the broker-cleint relationship, fulfilling the needs of teh consumer in terms of purchasing, coverage questions, policy changes, claims handling, additional services, etc. Third the customer will never be passed off (as happens with our competitors) because the many products represented on our site are available for purchase right then and there. In short, all of th eservices a consumer would expect from a traditional broker will be available on-line with the advantage of ease of use, availability of information, and a huge product choice at discounted prices. Who We Are Elizabeth Wightman, CEO Elizabeth Wightman serves as President of Wightman Insurance AGency (an affiliate of Atlantic-Pacific Insurance Brokers, Inc.), a full service Independent Insurance Brokerage. Ms. Wightman joined the firm after completing her masters in Business Administration at Santa Clara University in 1992. After growing the business by 125% as a sales person she bgan managing it in 1995 and became President of the Corporation when her father retired in 1998. Ms. Wightman earned her Bachelors of Science in Economics in 1988 also from Santa Clara University. After college she gained valuable corporate experience working with Wells Fargo Bank in their Private Banking Group. Ms. Wightman is a member of the prestigious Society of Certifed Insurance Councilors. Eden Richey, Secretary Eden Richey is Principal of Project Source, a marketing consultancy. Ms. Richey's 10 years of marketing experience has been garnered from the telecommunications, grocery and computer industries. Prior to to starting her own firm she served as product manager for Kensington Technology Group, a division of Fortune Brands. She has also held marketing and management positions with several consumer product companies. Ms. Richey received a Bachelors of Science in Business Administration with an emphasis in Marketing from the University of Kansas in 1992. She is on the Board of Directors for the Northern California Chapter of the Business Marketing Association, ans currently serves as VP of Communications. Technology: SimpleSurance.com is in the process of negotiating with several prospects for the position of Chief Technology Officer. It is essential that this person share our vision and have the ability to coordinate all aspects of our technology from database management to backend programming to efficient customer service systems. SimpleSurance.com has retained Dan Kelly of Visual World to build the rating system, database and all backend technology for our site. Visual World is able to appley their ""virtu...