Building the Lifetime Protection
Platform for High-Trust Professionals.
One platform.
Every profession. Protected for life.
Acquire trusted professionals early. Retain them for decades. Compound recurring revenue.
ScrollThe Problem
Healthcare professionals spend their days looking after everyone else. What they want isn't another policy pitch — it's the quiet confidence that someone's looking after them, so they can get on with looking after the rest of us.
Today
The industry today.
- Fragmented brokers. Single products.
- No idea what policies they actually hold.
- What's covered? With who? Until when?
- Documents scattered across inboxes, drawers and drives.
- No client ownership. Lifetime value, lost.
The gap
Mis-served at their most valuable moment.
- Six policies needed in year one. Nobody co-ordinates them.
- Brokers churn 20% a year. Relationships evaporate.
- Every life milestone is a missed cross-sell.
The opportunity
Own the graduate. Keep them for life.
- £2,250 ARR per professional. 28× over a career.
- Acquired at university. A fraction of incumbent CAC.
- Built around the professional. Not the policy.
The compounding effect
One graduate. Four decades. 28× value expansion.
everythingcovered.com · group revenue trajectory
Recurring commission + fee revenue across all verticals
£ GBP · base case
Year 1
£500K
ARR · dental beachhead
Year 2
£1.2M
ARR · 2.4× growth
Year 3
£2.6M
ARR · regional scale
Year 5
£7.5M
ARR · multi-vertical
Year 10
£28M+
ARR · category leader
5-Year booked LTV
£14.5k+
cumulative commission per professional · £2,250 ARR base
LTV : CAC
5.5×
return on a single graduate acquisition · top-quartile broker benchmark
Net revenue retention
118%
cohort expansion via life-stage cross-sell, post Year 2
Gross margin
78%
on net commission income, year 3 onward · in line with tech-enabled brokers
Investor return profile
Model your position
Investment
£2M
Equity
40.0%
Year 1
Beachhead established
Implied EV £4.0M
£1.60M
Year 3
Regional scale
Implied EV £20.8M
£8.32M
Year 5
Multi-vertical platform
Implied EV £67.5M
£27.0M
Year 10
Category leader · exit-ready
Implied EV £280M
£112.0M
The Thesis
The most valuable insurance customers are acquired early.
Graduate Professional
- Low acquisition cost
- Mandatory protection needs
- Decades of relationship runway
Established Professional
- Increasing income
- Expanding protection complexity
- Family & income protection layered in
Business Owner
- Key person cover
- Shareholder protection
- Enterprise risk · high recurring commissions
“The model is not about selling insurance once. It is about owning the financial trust relationship before income compounds.”
Beachhead Market
Dentistry is the ideal beachhead market.
Dentistry combines low-cost customer acquisition with extremely high long-term customer value.
Recent Graduate
Annual indemnity spend
£100 to £300
per professional
Foundation-year indemnity · subsidised entry cover
Associate
Annual indemnity spend
£2k to £5k
per professional
Premiums step-change as cover requirements widen — the moment they start shopping, and the wedge to own them for life.
Practice Owner
Annual indemnity spend
£5k to £30k+
per professional
Owner indemnity · clinical + entity cover
Multi-Practice Group
Annual indemnity spend
£15k+
per professional
Group indemnity programme · associates + principals
+340%
Recurring premium expansion across career lifecycle
88%+
Target retention from graduate cohort onwards
10 to 20×
Lifetime value uplift per retained clinician
Market Expansion
Built to expand across high-trust professions.
The underlying model works wherever professionals have mandatory protection requirements, rising lifetime earnings, and business ownership potential.
Dentistry
Beachhead dominance
Optometry
Adjacent vertical entry
Veterinary
Specialist book scaling
Pharmacy & Medical
National platform
Business Model
Recurring revenue compounds over decades.
EverythingCovered acquires customers before competitors and monetises increasingly complex protection needs throughout their careers.
Graduate
1 product
Associate
3 products
Practice Owner
6 products
Enterprise Owner
9 products
Compounding insight
One retained clinician relationship can expand 10 to 20× in value.
The Moat
Trust, retention and renewal ownership.
Tap a card to expand
60-Month Plan
The institutional scale roadmap.
Phase 1 · Foundation
Months 1 to 12 · £500K ARR
Phase 2 · Dental Domination
Months 12 to 24 · £2M ARR
Phase 3 · Expansion
Months 24 to 36 · £5M ARR
Phase 4 · Platform Scale
Months 36 to 60 · £7 to 9M ARR
Capital · Use of Funds
Capital efficient. Distribution focused.
Target Raise
£2M
Initial Round
The strategy prioritises distribution dominance over unnecessary technology burn.
Team & operations
Senior commercial, compliance and operations talent to anchor scale.
28%
Graduate acquisition
Builds long-term recurring revenue relationships at the lowest possible CAC.
22%
Content & media engine
Owned distribution that compounds into a defensible brand.
14%
Technology infrastructure
CRM, broker stack and AI recommendation foundations.
12%
FCA & compliance
Regulated foundation for insurer and book acquisitions.
8%
Partnerships & events
Embedded distribution into universities, societies and groups.
10%
Working capital reserve
Operational runway for opportunistic deployment.
6%
Financial Model
Built for recurring, compounding ARR.
Projected ARR
Compounding growth · 5-year horizon
£0.0M
Year 5 · £7 to 9M target
0.0%
Net revenue retention
0.0%
Gross margin
0.0×
LTV : CAC ratio
£0.0M
Year 5 ARR · £7 to 9M target
The future category leaders in insurance will own trust before income compounds.
everythingcovered.com is building the default protection ecosystem for high-trust professionals.
Investor Engagement
A new category of healthcare protection platform.
Built on recurring revenue, retention, trust and lifetime customer value.