I have several questions, because it's not real clear what the benefit is of the coin or the service.

1. As a consumer looking for insurance, why would I use your service over another service? There are various services out there now that allow you to search the market place for different insurance companies. Do I get to pay for medical insurance in bitcoins? Or IXT? What is the appeal? Other than you are using blockchain technology? 
2. As a holder of your coins, what is the benefit? I see mention of  reward pool (there's not a lot information on this) and small rewards given in the form of IXT when using the service through transactions. Is the main benefit? Does accumulating these coins allow me to purchase something in your market place? Do I get a discount? Do I get dividends? What is the driving force to increase the value of the coin? 
3. Is this PoS? Is there a return of some sort?
4. As more of a side question, one of the selling points was to connect the insurance company directly to the customer, which I get (cut out the middle man), but it looks like the broker can also utilize your service?

I guess, I'm not seeing the immediate appeal of the coin or the service. Not to say there isn't - I'm not trying to come across the wrong way, maybe I am just not understanding it, but it feels like the coin is just being used as a primary way to fund the company without much benefit to the coin holder.