Millions pay monthly for death benefits. Why not happiness?

Americans spend $170B on life insurance—yet almost no one has a structured monthly plan for happiness while they're alive.

• Despite Cornell research showing that vacations create more lasting happiness than money or possessions, families still miss out—due to money, time, and planning barriers.
• A growing $312B in unused PTO liability (SHRM) sits on balance sheets—time off employees don’t take, driving burnout, disengagement, and costly turnover.
• Stress & poor work-life balance affect millions of families.

Valuable family experiences and memories are pushed to “someday”—which often never comes.

👉 People insure against unlikely calamities.
👉 But they don't plan for assured happiness.

Turning the Desire for Happiness into Real Action

Life insurance pays after you're gone. Happiness Insurance® delivers while you're alive.

Happiness Insurance® is a structured plan for happiness—helping families overcome the barriers of money, time, and planning, even if they don't know today where or when to vacation. 

For $9/day, paid monthly, families of 4 can vacation anytime in the next 12 months while a concierge handles the planning—at 2,000+ resort destinations, including Marriott, Hilton, and Disney area properties.

For businesses, we help convert unused PTO liability on balance sheets into measurable ROI—driving engagement and retention by incentivizing employees with prepaid family vacations to actually take their time off.

Defining a New Category with Protected IP

• We are defining a new category—bringing structured happiness plans to a market historically focused on death benefits.
• Unlocking Demand Others Can’t Reach
  Unlike Expedia, Airbnb or hotels, which require customers to know today where and when to vacation—and pay in full upfront—we remove those barriers so families can vacation on their terms, without needing to decide or pay in full today.
• Frictionless Adoption for Employers
  Our risk-free, pay-for-results model makes implementation simple. Employees choose where, when, and with whom to vacation—boosting engagement, productivity, and retention while helping reduce PTO liability on employer balance sheets and turnover costs.

Proven Demand & Strong Unit Economics

Pilot results prove strong demand for Happiness Insurance®

• $169,000 in revenue from just 60 customers, with approximately $2,800 average revenue per customer, confirms strong demand and willingness to pay.

• This traction — reinforced by 14 public YouTube customer testimonials — validates a new category: structured plans for happiness.

• Published on MarketWatch, Reuters, Yahoo Finance, and syndicated across 141 radio stations, we are driving brand credibility and inbound interest.

• Backed by USPTO-registered IP and 30+ years of industry leadership, we are positioned to scale this traction across consumer and employer channels—unlocking a much larger, untapped market.

Uncompensated testimonials from professionals who vetted our happiness plan. No actors. No scripts. Real value.

The Corporate Perspective

“My employees were super happy!”— Charles G. President, Renewal by Andersen

Three Independent, Scalable Revenue Engines

• B2C: Enabling 90M Americans who already pay monthly for death benefits (ACLI) to create family experiences & memories through a structured plan for happiness—for $9/day.

• B2B: Converting $312B in unused PTO liability annually into retention & productivity by incentivizing employees to actually take their time off—through prepaid family vacations. 

• Partnerships & IP Licensing: Unlock scale through potential partnerships with U.S. insurers—designed to improve policyholder well-being, reduce claims, and increase premium lifetime value—while monetizing USPTO-protected IP globally.

Just 1 in 100 of 90M life insurance customers choosing to balance death benefits with happiness benefits = $2.9B

Experienced Leadership

Founder and CEO Rami Lazarescu is a 30-year veteran of the vacation industry and founder of Ampro Vacations. He received the President’s “E” Award for outstanding contributions to U.S. exports and was appointed by the U.S. Secretary of Commerce to the Export Council, advising on national export expansion.

His decades of industry relationships, supplier partnerships, and operational experience helped lay the foundation for Happiness Insurance®’s scalable global business model.

Strategic Advisor Paul Lazarescu brings AI, technology, and scaling expertise, including 10 years at Google, where he serves Group Product Manager for AI on Discover, a degree from MIT, experience at McKinsey, and teaching Product Management at Boston University.

Traditional Providers (Expedia, Airbnb, Hotels & Resorts)
Require customers to know today exactly where and when to vacation—and to pay in full upfront. 

Vacation Clubs & Timeshares
Typically require high upfront costs, increasing annual fees without a cap, and long-term contractual commitments that are difficult to cancel or exit.

Happiness Insurance®: An affordable structured plan for happiness that lets customers invest in happiness now and decide where and when to vacation later—without needing to pay in full today. 

Our vision is to make Happiness Insurance® a new standard in how people invest in life—helping millions allocate a small portion of their spending—$9/day—toward meaningful experiences and lasting happiness.

As people increasingly prioritize experiences over possessions, we are defining a new category—removing money, time, and planning barriers to make vacations more accessible at scale.

Through consumer plans, corporate programs helping convert $312B in unused PTO (SHRM) into engagement and retention, and global licensing, we are scaling through three core revenue streams.

We also see potential partnerships with U.S. and global insurers seeking to improve well-being, reduce claims, and enhance long-term customer value.

Happiness Insurance® is designed to make meaningful experiences and family memories accessible at scale.

Research from Cornell University shows that vacations create more lasting happiness than money or material possessions—yet millions of people still miss out due to money, time, and planning barriers.

By removing these obstacles, our structured plan for happiness helps families turn “someday” into reality—while helping employers reduce burnout, increase engagement, and convert unused PTO liability into measurable ROI.

Our goal is to help people and businesses—for just $9/day—invest in experiences that reduce stress, increase happiness, and improve work-life balance.

We’re raising capital to accelerate growth in a new category: Happiness Insurance®.

Minimum: $50,000 | Target: $3,200,000

Use of Proceeds:
46% Marketing & Customer Acquisition • 20% Technology • 15% Operations • 15% Working Capital • 4% Fees

Capital will be primarily deployed into customer acquisition—scaling a proven model that generated ~$2,800 per customer in our pilot—supported by technology and operations designed to efficiently scale customer acquisition and fulfillment.

Our strategy is to scale a proven, repeatable business model—converting demand into recurring revenue while expanding consumer (B2C), employer (B2B), and insurance partnership channels.

Rami’s parents never took him on a vacation. Not once. They’re both gone now, and he has no vacation memories of them together.

That loss — and 30+ years building and operating Ampro Vacations while watching families postpone vacations to “someday” that often never comes — led him to create Happiness Insurance®: a category-defining company pioneering affordable, accessible, living benefits.

His insight: people invest more in protecting against unlikely calamities they don’t want than in assured, memorable experiences they do want.

CEO Rami Lazarescu received the President’s “E” Award and was appointed by the Secretary of Commerce to serve on the Export Council. Featured in MarketWatch, Reuters, and Yahoo Finance, and interviewed on 141 radio stations.

Happiness Insurance® is creating a new category—a structured plan for happiness built around vacations that drive well-being, engagement, and performance—for $9/day.

90M Americans spend $170B annually on life insurance (ACLI)—protecting against the financial impact of death—yet spend little on structured plans for happiness while alive.

For consumers, we remove money, time, and planning barriers—turning “someday,” which often never comes, into reality.

For businesses, we convert unused PTO liability on balance sheets into prepaid vacations employees actually take—driving sales, engagement, and retention.

With USPTO-registered IP, proven demand, and national media recognition, we’ve laid the foundation for the world’s Happiness Insurance® category.