This process meets a new customer profile, more digital and demanding, and still needs to be captivated. To get an idea, a survey by online insurance broker Mongeral Aegon pointed out that 90% of its sales were made to new customers. Of these, 53% are between 18 and 37 years old, which reflects, besides the concern with the acquisition of this type of product appearing earlier, also the arrival of clients more connected and anxious for technologies that facilitate their day to day through solutions.
This is because, the timing of the purchase is only one phase, the gateway to a much greater experience. For the insured, there is no point in buying without complications, if the use in practice does not follow the same logic. If acquiring insurance was easy, using it should also be simple.
And the demand is urgent for insurers and insurance brokers who want to stay ahead in the market. A recent survey conducted by SAS with 17 Brazilian insurers pointed out that the main challenge in deploying a more modern anti-fraud system, for example, is the lack of resources (financial or IT). A major hurdle for the insurance market, as any company's infrastructure needs to be solid and secure enough to serve as an integration foundation for their systems, ensuring connectivity and quality in interpreting stored information and data.
In addition, bringing new mobile solutions to the reach of the insured, already so present in the daily life of this digital generation, is the way to retain customers and make more practical their journey with the insurer. There are already, for example, brokers and policyholders who treat virtually all matters relating to the franchise. And it does not stop there: processes like the inspection and the warning of sinister, for example, already can be done with just a few clicks, in the palm of the hand.
Solutions like these put the insurance market in the digital age. In a time when we do everything by the smartphone, the union between specialists of the insurance market and technology is fundamental to bring applications that increasingly complicate the day to day of people.
* Leonardo Borges is Director of New Business at WDEV, a company specializing in technology solutions for the insurance market.