The Insureum Protocol uses blockchain technology to create a decentralized ecosystem that connects insurers, their policyholders, and third-party developers. It is designed to assist insurance companies in tailoring insurance policies to individual lifestyles to provide unique incentives for customers. Blockchain-based tokens (Insureum) can be shared within this ecosystem to buy and sell anonymized data. Insurers get the data they need to create better policies. Developers are incentivized to connect apps to the Insureum Protocol. And policyholders are rewarded for sharing their anonymized data.