• Inclined Technologies

  Led · Series B · Aug 2025

  Inclined is a software platform that enables policyowners and advisors to unlock and manage the living benefit of whole life insurance cash value. Its proprietary platform offers a secured, revolving line of credit called the Inclined Line of Credit (iLOC), collateralized by policy cash value, with applications typically completed in under 15 minutes and no platform fees. Advisors can initiate applications and enable clients to draw or repay funds at their convenience, and the company reports thousands of whole life advisors actively using the platform. Inclined emphasizes a fully automated digital process to simplify historically cumbersome liquidity access. The company targets the $5 trillion+ whole life insurance market and aims to help carriers and policyowners access what it describes as $1.1 trillion currently invested in whole life policies. Inclined is headquartered in Sausalito, CA, and plans to expand product features, carrier integrations, and its team. Inclined Technologies operates a proprietary SaaS platform that gives whole‑life policyholders access to the equity in their policies via a secured, revolving line of credit called the Inclined Line of Credit (iLOC). The iLOC can be drawn or repaid iteratively, carries no borrower fees on the Inclined platform, and the application process takes less than 15 minutes. Inclined’s platform addresses front‑end data ingestion and structuring from whole life carriers and back‑end collateral management to deliver assets at scale to banking partners. The company manages customer acquisition, enables partner banks to originate the lines as a turnkey business, handles policy assignment and perfection of collateral, and continues to service the lines. Inclined positions itself to serve whole‑life advisors, carriers, and a network of financial institutions attracted to the asset quality and borrower demographics. The company says it is targeting a democratizable $150 billion market and will use new funding to invest in marketing, business development, and evaluate tangential expansion opportunities while pursuing what its CEO described as a $1 trillion opportunity in whole life cash value access.

• Layr

  Participated · Equity · Nov 2023

  Layr offers a cloud-based platform and services that modernize the complex, manual workflows of small-business insurance for independent brokerages. Its tools let brokers serve up to six times more small-business clients by digitizing paperwork, eliminating manual invoices and checks, and automating carrier integrations and workflows. Policyholders access a white-labeled, secure online portal to shop for or renew coverage, file claims, generate documents, and pay bills 24×7. The platform includes a broker-facing analytics dashboard that surfaces insights and trends to improve operations and margins. Layr plans to use new financing to expand go-to-market operations and bolster platform functionality for brokers. The company positions its product as a way to move broker small-business units into higher-margin territory while improving policyholder experience. Layr is an Atlanta, GA-based insurtech company that uses AI and machine learning to help brokerages and agencies manage small commercial insurance books. Its AI-powered cloud platform digitizes the insurance process by enabling brokers to sell, service, and renew policies through a private-labeled service center. Proprietary algorithms quote pricing while simultaneously shopping pre-written packages to underwriters without broker touch or APIs, and placed policies allow end-clients to self-service and access proof of insurance from broker-branded portals. Layr currently supports P&C agencies and brokerages across all 50 states and helps sell and service tens of millions of dollars of premium across their books. The company plans to double its team, grow its presence among insurance agents and brokers, add technology advancements, and expand offerings to provide tailored solutions to agencies of all sizes. Led by founder and CEO Phillip Naples, Layr intends to release new features and partner with technology providers to better support independent brokers. Layr operates a cloud insurance platform that automates sourcing, purchasing and managing small commercial insurance using AI and machine learning. The company provides tailored policy recommendations and coverage limits and partners with carriers and traditional brokers to distribute policies. Since launching its platform in 2018, Layr has placed more than $2B of aggregate coverage limits across thousands of policies. Layr plans to use new funding to expand AI/ML capabilities for the next version of its platform, including intelligent recommendations and a streamlined application process. The company was co-founded in 2016 by Phillip Naples and Andrew Egenes and was incubated in the first cohort of Lloyd’s Lab.

• Momento

  Led · Equity · Aug 2023

  Momento Seguros provides fully digital insurance for cars, motorcycles and, soon, commercial vehicle fleets, allowing customers to quote, purchase and manage claims from a single application. Its platform uses artificial intelligence to segment risk and personalize pricing, delivering savings of roughly 20–30 % for low-risk drivers and up to 50 % for qualifying motorcyclists. Founded and led by Lois Rogel Vence, the company has demonstrated rapid growth and profitability in Mexico City and the State of Mexico, which spurred its recent fundraising. Momento’s customer experience includes rapid, app-based settlement of minor claims—sometimes in as little as eight minutes—and on-site adjusters for complex incidents. The firm markets directly through social media while partnering with agents and brokers to widen distribution. With fresh capital, it plans to deepen its technology advantage, expand coverage across most Mexican states, and introduce products for pickups, vans and corporate fleets. Momento ultimately aims for near-nationwide reach while remaining focused exclusively on vehicle insurance.

• Dayforward

  Participated · Equity · Jan 2023

  Dayforward is a NYC-based digital life insurance company that offers term life policies designed to ensure a policyholder's family continues to receive income if the policyholder dies. The company uses proprietary technology and an automated underwriting system to let customers complete a simple online application and receive an instant decision at competitive prices. Its policies are reinsured by Munich Re Life US and the product is also available through a growing number of strategic partners. Dayforward raised $25M in funding and intends to use the capital to scale nationwide, continue launching proprietary solutions through partners, and develop new insurance products. The company has launched its life insurance solution in 38 states plus Washington, D.C., with continued national expansion planned throughout 2023. Dayforward also announced the acquisition of Commercial Travelers Life Insurance Company to broaden product lines across life, health, disability, and retirement. The acquisition of the storied carrier (founded in 1883) was announced as being from National Guardian Life Insurance Company upon receipt of all regulatory approvals.

• Inclined

  Led · Series A · Sep 2022

  Inclined was founded in 2020 by Mark Shaw, Josh Wyss and Graham Gerlach to make borrowing against whole life insurance policies more accessible. The startup digitizes time‑intensive operations involved in lending against whole‑life cash value and aims to increase lending penetration by offering lower rates and greater efficiency. The article cites roughly $1.1 trillion in cash value in U.S. whole life policies, with a current lending market of about $150 billion — Inclined’s initial opportunity. Inclined is live with Mechanics Bank (about $20 billion in AUM) and currently has several million dollars on its platform. The company describes its business as countercyclical and a very safe form of lending, and says the product opens refinancing and refinancing‑like options to more policyholders. Inclined has raised a total of $19 million since its 2020 inception to build out its technology and scale.

No current team members are available.