Welcome to Better Insurance!
Principle over Profit
Auto Insurance: Them vs. Us
Traditional (Them): Exploitation. Overpricing. Hustles & shenanigans.
Better (Us): Honor. Simplicity. Tangible benefits for good drivers.
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Traditional auto insurance: A LOT of red flags.
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They take your money, raise your rates, charge you extra to offset risk you already prepaid against, and call it 'insurance'.
We call it what it is: exploitation.
It's time for Better.
Don't just pay insurance. Make insurance work for you!
Why Register Now?
​The insurance industry is broken. To fix it, we must have the proof that we can cover liabilities incurred as we grow the business. The initial holdings amount required to launch a mutual insurance company in the state of Indiana is a $2 million reserve.
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Here’s the alternative - since we don't have a couple million stuffed in the mattress:
We can launch Better Insurance as a full-fledged mutual company once we have at least 10,000 committed clients.
The revenue generation power to help us launch and grow can start with a simple commitment to Better. A confidence that we are fixing what is broken in an industry that was never built to serve the client, but was designed to redistribute wealth like some socialist Ponzi scheme.
Your $1 registration:
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Counts as a declaration of interest.
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Shows proof of market demand.
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Gives us the numbers we need to challenge the existing system.
So here’s the ask:
Register for just one single American dollar. $1.
Then Bring Your 4 - your family, your coworkers, your tribe. Help us reach the threshold that makes Better Insurance a reality you can count on.
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The Founding 10,000
The first 10,000 Founding Members who Bring Your 4 will unlock:
✅ 50% Client Refund for your first year - guaranteed
✅ 60% Client Refund if we keep claims under 67% - proving our Unrealized Risk Bonus works
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This isn’t just a first-year perk - it’s a proof of concept.
We’re proving that Principle over profit works - and that people will choose a better model when they see one that rewards them instead of exploiting them.​
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You ready?
The Problem
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Do you enjoy paying for a product (auto insurance) you don't use?
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Have you ever had a wreck?
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When was the last time you had a wreck (more than 5 years)?
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How much have you paid in car insurance over the years and received nothing in return?​​
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If insurance is an investment, what is your return on investment if you never use it?
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Would you like to make money from your insurance policy if you don't have any wrecks or claims? What could you do with an extra $500 to $960 a year for being a good driver?​​
"When insurance is required by law,
value is no longer optional - it’s obligatory."
Jonathan Henderson, Founder
Better Insurance LLC was created specifically to provide incentives for good drivers who are required to buy insurance they don't use, and historically never received benefit from.
The Solution
Better Insurance has improved the auto insurance model of business so that everyone receives benefit – not just those who get into wrecks.
​What we offer that is different than any other insurance company:
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Client Refund Return On Investment (ROI) – 40% return on what you pay every year if you have no major claims or wrecks.
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Real Network Marketing - You are the network for sales and growth, and you must bring 4 people into the company to achieve 40% ROI annually, with money in your pocket for every referral after 4 better drivers. Bring your 4, and then bring some more!
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Merit-based insurance – your credit score doesn’t determine your driving ability . . . So, we don’t use it to justify charging you more.
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No Deductibles – why should you pay a deductible when you already pay for insurance coverage? Our 3-month cap limit model pays you for minor claims, or offsets incidents that don't require a claim, and increases in value over time.
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Expedited Claims Processing – operations center and streamlined claims processing that directly supports every member in their time of need.
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Contractual client relationships – we guarantee your rates, your refunds, and provide optimum support when you need it.
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Stable pricing – we don’t raise our rates, we don’t use introductory rates or lowball estimates, and we make sure the proper coverage is available according to every state’s individual standards.
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Additional benefits:
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We don't raise rates for rideshare and delivery drivers. The same rules apply - if you have had no wrecks or claims, you are a professional driver with more experience than the casual driver. With us, your professional experience is a positive thing, not a negative.
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Your client refund can be used to cover your policy payments in case of job loss.
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We partner with Christian healthcare insurance organizations for claims that exceed state coverage limit payouts for bodily injury.
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We are the only insurance company that makes our standard claims process public knowledge for our clients, which enables every client to influence the outcomes and be fully aware of where they are in the process.
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Our rates are 10% or more below what most people currently pay for auto insurance, and no other company gives you 40% back every year if you don't have a claim.
For those who have claims, our bottom line is simple:
What does it take to make the client whole?