The Insureum Protocol utilizes blockchain technology to establish a decentralized ecosystem that connects insurers, their policyholders, and third-party developers. Its primary goal is to assist insurance companies in customizing insurance policies according to individual lifestyles, offering unique incentives to customers. Within this ecosystem, blockchain-based tokens known as Insureum can be exchanged to purchase and sell anonymized data. Insurers gain access to valuable data that allows them to create more comprehensive policies, developers are motivated to integrate their applications with the Insureum Protocol, and policyholders are rewarded for sharing their anonymized data.