Affordable group life & disability insurance tailored for indie remote teams under $30/mo per employee.
Indie distributed remote teams cannot access affordable group life and disability insurance without enterprise-level pricing that destroys profitability.
IndieShield aggregates quotes from indie-friendly underwriters specializing in remote teams, providing instant comparisons and one-click enrollment. Owners get enterprise-grade coverage at startup prices without minimum headcount requirements. Teams enroll seamlessly via a shared dashboard, ensuring compliance and peace of mind.
Owners of indie businesses with distributed remote teams
Exclusive focus on indie teams with no minimum employees or revenue thresholds, unlike enterprise brokers.
professional
Upload team roster to generate instant quotes based on remote worker profiles.
Side-by-side views of life/disability plans from 5+ providers with coverage breakdowns.
Self-serve enrollment for team members with e-signatures.
Automated reminders for renewals and regulatory updates.
Monthly billing split across team or centralized owner pay.
Exportable coverage summaries for tax/audit purposes.
In-app broker chat for quote clarifications.
Sync with payroll/HRIS for auto-updates.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| role | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | No | |
| name | text | No |
| size | int | No |
| user_id | uuid | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| team_id | uuid | No |
| provider | text | No |
| monthly_cost | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| team_id | uuid | No |
| name | text | No |
| enrolled | bool | No |
Relationships:
/api/teamsCreate new team
/api/quotesFetch quotes for team
/api/quotes/:id/enrollEnroll in quote
/api/membersAdd team member
/api/dashboardGet team coverage status
No enrollment
Up to 50 members
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 2% | $116 | $1,392 |
| Month 6 | 1,200 | 5% | $1,740 | $20,880 |
Get life & disability coverage at $30/employee/mo. Instant quotes, easy enrollment.
Post in Indie Hackers, r/remotework, and Twitter indie founder threads offering free first-month Pro access for testimonials. DM 50 solopreneurs turning remote teams via LinkedIn searches for 'indie hacker remote'. Run $100 Twitter ad targeting 'remote team insurance'.
Broad individual policies
No group for small teams, enterprise mins
Indie-specific group pooling at fixed low SaaS fee
HR integration
US-only, high mins for groups
Global remote focus, pure insurance SaaS
Curated underwriter network exclusive to indies + data on remote risk profiles for better pricing.
Remote work boom post-COVID + indie economy growth (1M+ solopreneurs) creates demand unmet by legacy insurers.
Insurance regulations vary by country
Partner with licensed brokers, start US-only
Low awareness of need
Educate via content/launch channels
Underwriter partnerships slow
Pre-build with mock quotes, iterate post-launch
Success: 10+ express interest in beta
Success: 20% convert to paid beta
Success: 50 users week 1
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