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Ribbon Life – Making Life Better

Innovating, Disrupting

a 150 year old sector by intelligent automation
supplemented with AI and Machine Learning

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Problem

  • High initial portfolio and investment amounts

Solution

  • Low and categorised initial investment amounts based on type of investor

Features

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AIFA distribution alongside human IFAs

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Full e-onboarding and e-risk profiling to customer

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Secure hybrid savings with anti-fraud features offered on AI-powered investment platform

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Customised investment opportunities that are tailored to personal preference

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Delivering increased income to the Life Co & increased return to customer

Problem

  • Capital intensive
  • Labour intensive processes including claims and withdrawals
  • Risk of commission clawback affecting
    • IFA Regular Savings product
    • Cashflow strain
  • High initial commission structure
  • Lengthy process of engagement with the Life Co. which can take 2 to 8 weeks
  • Lengthy and time-consuming process of collating client opportunities
  • Risk of policy being cancelled by policy holder in the initial period, resulting in potential commission clawback and losses
  • Lengthy and time-consuming account opening process
  • High commission charges
  • Exposure to a very limited range of investment choices managed through a human agent, the IFA
  • Potentially biased or flawed fund recommendations through an individual IFA with probably limited market access

  • The Life Co

    • Capital intensive
    • Labour intensive processes including claims and withdrawals
    • Risk of commission clawback affecting
      • IFA Regular Savings product
      • Cashflow strain
    • High initial commission structure

  • The IFA

    • Lengthy process of engagement with the Life Co. which can take 2 to 8 weeks
    • Lengthy and time-consuming process of collating client opportunities
    • Risk of policy being cancelled by policy holder in the initial period, resulting in potential commission clawback and losses

  • The Customer

    • Lengthy and time-consuming account opening process
    • High commission charges
    • Exposure to a very limited range of investment choices managed through a human agent, the IFA
    • Potentially biased or flawed fund recommendations through an individual IFA with probably limited market access

Solution

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Seamless automated tech driven process flow

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Diverse range of products

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Financial efficiency and control

The USP

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  • D2C rapid account opening

  • Instant feedback and reporting

  • Non-biased fund recommendation

  • Significantly reduced commission for customer resulting in increased returns

  • No commission clawback

  • Streamlined efficiencies providing competitive margin

Values

Transparency

Our intent in everything we do

Honesty & Integrity

Our highest values dovetailing with the

three P’s

Planet, People & Profit

Maximise our talent & expertise to benefit everyone

Safety

Providing a safe and secure place to invest

Innovation

A continuous mission to improve our what, why and how

Teams

John Sheath

John Sheath

Co-Founder, Chairman & CEO

Firm Overview- RRAM (31)

Suchit Punnose

Co-Founder & Executive Director

Firm Overview- RRAM (34)

Simon Willis

Non-Executive Director

Firm Overview- RRAM (32)

Arvid Pedersen

Non-Executive Director

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Isle of Man address: Elm Tree Road, Onchan, Isle of Man, IM31AH, British Isles

UK address: 16 Berkeley Street, Mayfair, London, W1J 8DZ

Red Ribbon Life Limited: Company Number: 133822C is an incubation by Red Ribbon Asset Management Plc, a Mainstream
Impact Investment company, following the principles of the ‘Triple P Bottomline’ arising from Planet, People and Profit

© Ribbon Life 2023 All rights reserved