PRODUCT & PRICING CONFIGURATION
Define it Yourself
- Self-Sufficient Product Management
- Speed and Flexibility
- Comprehensive Coverage
In today’s fast-paced insurance market, insurers must launch new products and services quickly, staying ahead of the competition. With our CUBIS system, you have the power to independently configure product parameters, without relying on dedicated developer teams. This includes setting up pricing models, defining coverage options, adding surcharges, and creating packages for multi-risk products. You can also manage discounts, promotions, and track sales campaigns with ease.
This flexibility speeds up product launches and empowers insurers to be self-sufficient, adjusting key product configurations directly within the system as needed. The CUBIS platform supports all insurance types, including both life and non-life products, ensuring a comprehensive approach to product definition and pricing.
INSURANCE SALES
Better Solutions, Better Results
- Omnichannel Sales Support
- 360° Customer Insights
- Streamlined Operations
CUBIS supports a seamless and fully digitalized sales process across all distribution channels. Insurers can leverage a web interface that integrates easily with webshops, aggregators, mobile applications, and traditional sales networks, bringing their products closer to customers. The platform allows for payment collection via multiple methods, including cash, POS terminals, SEPA direct debit, and integration with universal POS devices.
CUBIS’s CRM functionalities offer a 360° view of each client, enabling agents to access critical customer insights, such as active policies, renewal dates, claims history, and overall customer engagement. Sales reports are available at multiple levels (agent, team, or organizational unit), allowing insurers to monitor performance and track renewal success rates. Additionally, the system supports integration with external services, such as risk assessment for individual policies, partner risk evaluation, and vehicle catalogues. A built-in Document Management System (DMS) allows agents to attach documents directly to policy records, further streamlining the process.
Customer Relations Management
Empower Your Sales Team
- Automated Task Assignment
- Managerial Oversight
- Comprehensive Client Data
Our CRM solution is tailored to the unique needs of the insurance industry, streamlining policy renewals and enhancing sales network efficiency. Expiring policies for the upcoming period are automatically assigned as "tasks" to sales agents, who can only view their designated policies. Managers, on the other hand, have a comprehensive overview of all policies under their team and can reassign them as needed.
Each policy is accompanied by detailed client information, such as claim history, total premiums paid, payment consistency, and the technical result (ratio of claims paid versus premiums collected). During task generation, predefined parameters enable the visual categorization of policies, clearly distinguishing those with strong technical result from those with poor technical performance, while also identifying intermediate cases for further evaluation.
Additionally, the system offers seamless tracking of all client correspondence, ensuring a 360° view of interactions across the organization.
COMMISSION CALCULATION
Optimize Commission Management
- Customizable Commission Structures
- Accurate and Transparent Processing
- Full Control
Our CUBIS system also offers a flexible, fully configurable commission management module. Insurers can define specific commission conditions for each agency or agent based on individual risk profiles. The platform supports multiple commission structures, allowing insurers to calculate commissions based on collected premiums, earned premiums, or policies issued.
Insurers have complete control over defining these parameters, ensuring that commissions are calculated accurately and in line with each agency’s agreements. At the end of each month, the system verifies all aspects of commission calculations, such as payment collection, to ensure accurate and transparent commission processing.
Efficiency, security, and innovation all in one platform – for you to accelerate, innovate, and grow your insurance business.