Adoption of technology has given birth to the economy of sharing and person-to-person electronic marketplaces. From lodging, to transportation, to lending, companies like AirBnB, Uber, and LendingClub are creating marketplaces offering customers superior service, lower cost, and greater returns on investment. Our focus is insurance. Uvamo is a marketplace where those seeking insurance and those seeking investment returns from participating in the insurance business can come together. By leveraging technology and replacing the traditional middleman with an efficient marketplace, Uvamo offers superior service at lower premiums to policyholders and attractive risk adjusted returns to investors.