Instant life & disability quotes for remote indie teams – enroll in minutes, pay $30/emp.
Indie distributed remote teams cannot access affordable group life and disability insurance without enterprise-level pricing that destroys profitability.
TeamVital uses remote worker data to provide API-driven instant underwriting from specialized carriers, bypassing lengthy enterprise processes. Owners input team details for real-time quotes and digital policies. Fully automated admin dashboard handles renewals and claims filing.
Owners of indie businesses with distributed remote teams
AI-powered instant underwriting tuned for remote risks, no human broker delays.
supportive
Real-time quotes based on team demographics and remote status.
E-policies delivered post-enrollment.
Team members submit claims via app.
Auto-renew with roster updates.
Personalized scores to optimize premiums.
Compare your rates vs industry indies.
Slack/Email notifications.
Predictive churn/risk.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| premium | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| policy_id | uuid | No |
| type | text | No |
| limit | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| policy_id | uuid | No |
| status | text | No |
| file_url | text | Yes |
Relationships:
/api/quotes/instantGenerate quotes
/api/policiesIssue policy
/api/claimsFile claim
/api/renewalsHandle renewal
14 days
Up to 30 emp
100 emp
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 180 | 1.8% | $97 | $1,164 |
| Month 6 | 1,100 | 4.5% | $1,485 | $17,820 |
AI quotes, digital policies, automated everything – protect your people affordably.
Leverage Twitter searches for 'remote team insurance pain', offer free Pro trial. Post in r/smallbusiness and Indie Hackers classifieds. Partner with one newsletter like 'Remote Work Weekly' for shoutout.
Digital benefits
Full HR suite, overkill for indies
Insurance-only, instant focus
Data moat on remote risk models improving accuracy/speed over time.
AI underwriting maturity + remote permanence drives demand for fast, digital solutions.
Carrier integration costs
Start with affiliates
AI accuracy issues
Hybrid with manual review
Success: 100 signups
Success: 90% renewal
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