Försäkring som affär. Inte administration.

Bolag med stora kundgrupper väljer oss
för att erbjuda sina kunder försäkring.

Insurance looks simple.
Until it doesn't.

The insurance issue often ends up with someone responsible for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, ongoing market monitoring. It is basically an entire department.

For those of you with an existing business, the agreements roll over automatically. The terms are never evaluated. The potential is never realized.

For those of you looking to launch something new, risk is another factor. Products that seem similar on the surface can differ fundamentally in terms, structure, and commercial conditions. The choices you make today will have consequences that appear years later - when it is significantly more difficult to change.

Most of the agreements we see are not incorrect. They are imprecise. It is more expensive.

Saman Jabbari Founder & strategic insurance partner

Boka ett samtal

Previous experiences from:

Previous experiences from:

Insurance looks simple.
Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring.
It is really an entire department.

The result? Extended contracts, solutions that are never evaluated, and a business that does not develop.

For those of you with an existing business, the agreements roll automatically. The terms are never evaluated. The potential is never realized.

Saman Jabbari

Founder & strategic insurance partner

For those of you looking to launch something new, risk is another factor. Products that seem similar on the surface can differ fundamentally in terms, structure, and commercial conditions. The choices you make today will have consequences that appear years later - when it is significantly more difficult to change.

Most agreements we see are not incorrect.
They are imprecise. It is more expensive.

FI-licensierad försäkringsförmedlare

FI-licensierad
försäkringsförmedlare

Medlem i Hjerta

Oberoende.
Vi väljer alltid partner efter er affär.

We procure from the entire market

Varför Qombine

More revenue per customer

We identify exactly where the hidden potential lies and calculate what it can yield - before we recommend anything.

Compliance that holds

Terms and conditions that your legal department can approve - without needing to become insurance experts.

Insurance that suits your business

We meet you where you are. Whether you are launching something new or have an existing business that has long needed optimization.

FI-licensierad försäkringsförmedlare

FI-licensierad försäkringsförmedlare · Medlem i SFM · Hjerta-ansluten

One gateway to the entire market

You shouldn't have to compare every insurer yourself.
That's what we do, and we know what good terms look like.

+ the entire market

insurance intermediary

Your companyOne partner. The entire market.

Services

Three steps. The whole deal. We meet you where you are - and take ownership of what requires specialized knowledge.

Qombine Insight

Strategy & analysis You should not have to guess. Insurance products that look the same on the surface can differ fundamentally in terms, structure, and commercial potential. We analyze the options in depth and provide a basis for decision-making that ensures you know exactly what you are getting into - before you act. You get: Clarity. Concrete recommendations. A decision based on numbers.

Qombine Deal

Procurement & negotiation We know what a good insurance deal looks like - and what is missing in a bad one. We negotiate the right partner and the right terms for you, whether it's about a new launch or a contract that should have been renegotiated long ago. You get: The right partner. The right terms. A contract that actually holds.

Qombine Manage

Ongoing Management Your insurance business needs someone to own it. We take on the management responsibility on an ongoing basis - KPIs, dialogue with the insurance companies, reports, and proactive improvement suggestions. Like an external insurance manager in the background, without you needing to hire one. You get: Someone who owns the issue - and drives it forward.

Services

Three steps. The whole deal. We step in where you are right now - and we stay. Whether you want to launch something new or get order on something existing, we will take it in the right order.

Qombine Insight

Qombine Deal

Qombine Manage

Don't let the insurance issue be just a checkbox. Get in touch. We will provide concrete ideas - not a sales pitch.

Saman JabbariCEO & strategic insurance partner

About us

Strategist. Executor. Insurance partner.

Insurance is really complex. It's not an opinion — it's something I've seen time and time again over 18 years in the industry. At Trygg-Hansa, SEB, and Northmill Bank. On the customer side and on the insurance side.

I've seen what happens when the insurance question isn't owned by someone who can drive it all the way. Agreements that don't hold. New initiatives that never land. Organizations that leave money on the table without knowing it.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

About us

Strategist. Executor. Insurance partner.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

About us

Strategist. Executor. Insurance partner.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

Kostnadsfri genomlysning. 30 minuter.

Kostnadsfri genomlysning.
30 minuter.

Vi visar vad försäkring kan innebära för er affär.
Konkret, med siffror.

Boka en genomlysning

Get in touch

Tell us what you're working on. We'll take it from there.

Name

Message

Phone+46 737 03 27 43

Emailinfo@qombine.se

AddressEngelbrektsgatan 31, Stockholm

LinkedInQombine ↗

Qombine. FI-licensed insurance intermediary.

Försäkring som affär. Inte administration.

Bolag med stora kundgrupper väljer oss för att erbjuda sina kunder försäkring.

Insurance looks simple. Until it doesn't.

The insurance issue often ends up with someone responsible for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, ongoing market monitoring. It is basically an entire department.

For those of you with an existing business, the agreements roll over automatically. The terms are never evaluated. The potential is never realized.

Most of the agreements we see are not incorrect. They are imprecise. It is more expensive.

Saman Jabbari Founder & strategic insurance partner

Insurance looks simple. Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring. It is really an entire department.

The result? Extended contracts, solutions that are never evaluated, and a business that does not develop.

For those of you with an existing business, the agreements roll automatically. The terms are never evaluated. The potential is never realized.

Saman Jabbari

Most agreements we see are not incorrect. They are imprecise. It is more expensive.

More revenue per customer

Compliance that holds

Insurance that suits your business

One gateway to the entire market

Services

Three steps. The whole deal. We meet you where you are - and take ownership of what requires specialized knowledge.

Qombine Insight

Qombine Deal

Qombine Manage

Services

Three steps. The whole deal. We step in where you are right now - and we stay. Whether you want to launch something new or get order on something existing, we will take it in the right order.

Qombine Insight

Qombine Deal

Qombine Manage

Strategist. Executor. Insurance partner.

Strategist. Executor. Insurance partner.

Strategist. Executor. Insurance partner.

Kostnadsfri genomlysning. 30 minuter.

Kostnadsfri genomlysning. 30 minuter.

Get in touch

Bolag med stora kundgrupper väljer oss
för att erbjuda sina kunder försäkring.

Insurance looks simple.
Until it doesn't.

Insurance looks simple.
Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring.
It is really an entire department.

Most agreements we see are not incorrect.
They are imprecise. It is more expensive.

Kostnadsfri genomlysning.
30 minuter.