🛡️ PHINS Insurance

1
Personal Info
2
Coverage
3
Health
4
Payment
5
Review

Apply for PHINS Coverage

Complete your application in 5 easy steps. Your information is secure and confidential.

📋 Step 1: Personal Information

Tell us about yourself so we can create your personalized coverage plan.

Contact Details

We'll send your policy documents and updates here
For important policy notifications
Your age helps us calculate your premium
This helps us assess risk for your coverage

🛡️ Step 2: Your PHINS Contract

One powerful contract that lets you Save, Pay, Invest, Consume, and Hedge against severe disability.

🛡️

PHINS Unified Protection Contract

The world's most advanced insurance + investment platform

💰
SAVE
Build wealth
💳
PAY
Medical expenses
📈
INVEST
Grow portfolio
🛒
CONSUME
Use benefits
🛡️
HEDGE
Disability cover

🎯 Coverage Amount

Select your total coverage amount. This determines your disability protection and investment capacity.

$500,000 Slide to adjust your coverage amount

⚖️ Premium Allocation Strategy

Choose how your premium is distributed between protection and wealth building.

🛡️ Protection 25%
75% Savings & Investment 💰
More Protection More Savings
🛡️
Protection Pool
Disability Coverage
  • Severe disability coverage (ADL-based)
  • Monthly benefit payments
  • Lump sum option available
  • Global coverage, no restrictions
Monthly allocation: $31.25
💰
Savings & Investment Pool
Wealth Building
  • Health Wallet (medical expenses)
  • Investment Portfolio
  • AI Algo Trading Bot
  • Guaranteed principal protection
Monthly allocation: $93.75

📊 Savings Distribution

Customize how your savings are allocated across different investment channels.

Recommended
🏥

Health Wallet

Pay medical expenses instantly

%
Monthly: $14.06
📈

Investment Portfolio

Index funds, bonds, crypto

%
Monthly: $56.25
🤖 AI Powered
🤖

Algo Trading Bot

Your private AI trading bot

%
Monthly: $23.44
Total Savings Allocation: 100%
🏥 Health Wallet 📈 Investment 🤖 Algo Trading

💵 Your Premium Estimate

Monthly
$125.00
Quarterly
$363.75
Save 3%
BEST VALUE
Annual
$1,350.00
Save 10%

What You Get with Your PHINS Contract:

✓ $500,000 disability coverage
✓ 20 years of savings growth
✓ Health Wallet for medical expenses
✓ Diversified investment portfolio
✓ Personal AI trading bot
✓ Full NFT ledger documentation

* Final premium determined after underwriting review. All transactions secured on blockchain ledger.

🏥 Step 3: Health & Lifestyle Assessment

Your honest answers help us provide accurate coverage. All information is confidential.

Why we ask these questions: Your health and lifestyle information helps us calculate fair premiums and ensure you get the right coverage. All responses are kept strictly confidential.
e.g., skydiving, rock climbing, scuba diving, motor racing
-

📎 Supporting Documents (Optional)

Upload any relevant medical documents, disability certificates, or identification documents to expedite your application review.

📁
Drag & Drop Files Here
or click to browse
Accepted: Images, PDF, Word documents (max 5MB each)
Recommended Documents:
  • Valid ID (passport, driver's license)
  • Recent medical examination results
  • Disability certificate (if applicable)
  • Previous insurance policy documents

💳 Step 4: Payment Setup

Set up your payment method for premium billing and medical expense account.

🔒 PCI DSS Compliant: Your card information is encrypted and securely stored. We never store your full card number - only a secure token for future billing.

Primary Payment Method

This card will be used for premium payments and can be used for medical products/services.

3 digits (4 for Amex)

Billing Preferences

🏥 Medical Expense Account (Optional)

What is the Medical Expense Account?
Activate your PHINS Health Wallet to easily pay for:
  • 🩺 Medical consultations and telemedicine
  • 🦽 Medical devices and mobility aids
  • 💊 Prescription medications
  • 🧴 Medical supplies (incontinence products, wound care, etc.)
  • 🏠 Home health care services

Pre-fund your wallet for medical expenses. This is separate from your premium.

✅ Step 5: Review Your Application

Please review all information carefully before submitting.

Personal Information

Coverage Details

Health Assessment

💳 Payment Setup

Your Billing Summary

$1,500 per year
Monthly: $125 Quarterly: $375
🏥 Health Wallet Deposit: $100/month