Qombine Insight
Strategy & analysis
Which insurance suits your customers? We analyse your customer segments and existing agreements and recommend what to launch, change or leave out. With the numbers behind it.
For your customers
Offer insurance to your customers.
You have the customers and their trust. We develop the insurance, negotiate the terms and manage the offering. The customer relationship remains yours.
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One contact. Multiple insurers.
For businesses and membership organisations with large customer bases
Three services for your insurance business.
Qombine Deal
Architecture & procurement
The right architecture is set from the start. Should the insurance be included in your offering or be an add-on your customers buy themselves? We design the set-up, run the procurement among insurers and negotiate price and terms.
Qombine Manage
Insurance manager as a service
An agreement that was right last year is not necessarily right this year. We take on the role of insurance manager: we monitor the offering, manage contact with the insurer and take action when terms, customers or regulations change.
The result
What you get
A partner who negotiates with insurers on your behalfAn offering built for your customers, rather than an off-the-shelf productOngoing management that complements your own organisation
Examples
Examples of businesses and organisations we can help
Banking and finance
Insurance connected to lending or savings.
Membership organisations
A benefit that gives members another reason to stay.
Fintech
Insurance as part of the customer journey in your app or service, with clearly defined distribution responsibilities.
Other businesses and organisations
Do you have a large customer or membership base? We help you explore how insurance could become a relevant part of your offering.
Useful information
Frequently asked questions
What do we need in order to offer insurance to our customers?+
A customer base and a decision on what role you want in the offering. We define the requirements, seek proposals from insurers and set up the structure. You do not need to build your own insurance department.
Do we need a licence from Finansinspektionen?+
It depends on the role you take in distribution. We set up a structure where the roles are clear, so you know which requirements apply before you launch.
Who owns the customer relationship?+
You do. The insurer provides the insurance, and we handle procurement and management. The customer relationship and the brand remain yours.
How long does it take to launch?+
It depends on the product and how closely the insurance is tied to your customer journey. A member benefit is usually quicker to launch than insurance built into an app. You get a timeline after our first review.
We already have an insurance offering. Can you help?+
Yes. We review your existing agreements, terms and remuneration, and renegotiate where there is more to gain.
How do you get paid?+
Before you decide, we tell you in writing what form of remuneration we receive, who pays it and how much it is or how it is calculated.
Next steps
Tell us about your customers.
How many there are, what you offer today and what you are considering. We will get back to you with our proposed approach.
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