Our Story
The origin of GenNXT began when Sam, our CEO and Founder, lost her father, a Colonel in the Indian army, at age 13. Fortunately for their family, the military provided life insurance. After high school Sam relocated to the US, worked while earning two degrees, and after a Wharton MBA, immediately immersed herself in the world of insurance while at Bain. She advised Fortune 500 insurance CEOs on operational efficiency, corporate strategy and M&A. She then took an operations role at MetLife and got to work building a formidable foundation in life insurance. She saw first hand that life insurance, as much as it was needed, was misincentivized, fragmented, tedious and painfully slow. Soon Sam turned her attention toward technology and began to pioneer the simplification of insurance.
In 2013, at MetLife Hong Kong, she launched Asia’s first online life insurance products. She later expanded beyond life insurance, leading the development and distribution of health, life and personal lines insurance across Asia’s dominant superapps: Alibaba, WhatsApp, PayTM, Flipkart, among others. This innovation unlocked access to peace of mind for billions of people in China, India, Japan, and Indonesia. With Baby Boomers aging, she predicted a growing need for affluent investors in the US to understand and obtain sophisticated insurance products. She would replicate her success in superapp simplicity by attacking the complexity of investment gains, estate planning, and tax.
She relocated to Silicon Valley and joined Arta Finance, backed by Sequoia and Ribbit Capital, to tackle insurance complexity using AI. Sam introduced sophisticated life insurance, like PPLI, within Arta Finance’s digital family office services. The result - clients received a solution that felt differentiated, modern and connected. This convinced her that all high net worth clients seek the same integrated and seamless service, and AI can now deliver it. There was no justifiable reason a client needed to weave through a web of competing professionals, a mountain of paperwork and a deluge of data, all for an insurance solution that they still quite didn’t understand. AI is a once in a generation paradigm that can close the chasm between isolated insurance and a holistic financial plan. Founded in 2026 in Oakland, GenNXT is employing AI to dramatically accelerate its ability to bring clarity and comprehensive coverage to the world of wealth.