Project Overview:

Bloom is a gig-economy insurance platform designed to help individuals earn additional income by selling insurance plans directly from their mobile devices. The platform combines fintech, embedded insurance, referral systems, and agent-based commerce into a simplified digital experience tailored for users across emerging markets.

The project focused on creating a trustworthy, scalable, and easy-to-use insurance-selling experience for users with varying levels of financial and digital literacy.

Problem Statement:

Despite the growing gig economy, individuals looking to earn extra income face challenges such as a lack of skills, complicated onboarding processes, and limited access to flexible opportunities. These challenges are particularly evident in the insurance sector, where traditional sales methods are time-consuming and require prior experience. This has created a gap for a solution that simplifies insurance selling, making it accessible and rewarding for everyday people.

The Challenge:

Insurance products are traditionally difficult to understand and distribute digitally — especially across emerging markets where trust, accessibility, and financial literacy vary significantly.

Insurance products in emerging markets are often:

<aside>

• difficult to understand,
• inaccessible to everyday users,
• and distributed through complex traditional channels. </aside>

Bloom wanted to create a platform that would help users earn additional income, simplify access to insurance products, and create a more scalable digital distribution model. However, early product concepts revealed several challenges:

• Users struggled to understand insurance terminology and product structures.
• Existing insurance platforms felt overly corporate and intimidating.
• The earning model was not immediately clear to first-time users.
• Users needed stronger motivation and visibility into their commissions and performance.
• The experience needed to balance simplicity for new users with scalability for future growth.

Solution:

Bloom aimed to bridge this gap by enabling users to

<aside>

• discover insurance products,
• sell plans directly from their phones,
• manage customers,
• and track commissions and performance. </aside>

The goal became designing a platform that simplified insurance selling while reinforcing trust, clarity, and engagement across the user journey.