Sorry but we already have WeTrust for what you are trying to do with this project . I recommend you to sell your insanely overpriced tokens after the ICO and buy WeTrust tokens or better keep the ETH.
Sorry, I'm not seeing the overlap. They appear to be a lending company whereas we are entirely focused on providing benefits for insurance related costs. Their roadmap does not even have insurance services listed and the whitepaper lists this as their "final" deliverable, which in the software world really means "it's nice to have, but may never happen." We are dedicated to providing a shared, democratized insurance platform from launch.
We have a lot of the same benefits, like low fees. Both projects seem to be viable!