Alpina Group

The Alpina Group (formerly Heilbron Group) is one of the largest intermediaries in financial services. Through an extensive network of advisors and a central application office, quotes from various insurers are eventually requested and presented to business customers. For example, insurance against long-term sick employees or fire and household insurance, where, as an advisor, you have to ask for all kinds of details to get a good quote.

The challenge

In the business insurance market, requesting a quote and taking out insurance is a process involving all kinds of manual actions that can be time-consuming for intermediaries and acceptors, so it can take days to get a quote as an advisor and accept it for an acceptor. For the future of companies, it is important to consider how you can add value in the digital world and keep the relationship with your customers with high expectations. Alpina Group has therefore asked Quatronic to think about a completely automatic quote process. With a team of 3 consultants, Quatronic built an automatic application line within 3 months that allows an advisor to easily guide a customer in applying for absenteeism insurance, for example. Of course, after an extensive (online) design sprint that makes it clear to all parties exactly where the challenges in the process lie.

Our approach

With a team of 3 consultants, Quatronic built an automatic application line within 3 months that allows an advisor to easily guide a customer in applying for absenteeism insurance, for example. Of course, after an extensive (online) design sprint that makes it clear to all parties exactly where the challenges in the process lie.

Cherelle Chin, product owner of the new application line at Alpina: “We hired Quatronic to develop a new quote and request line for Heilbron and together with our own programmers. In the first two weeks, Quatronic had actually blown everyone away with the interim result; we set up the framework for this new tool in a short time, even being able to connect a calculator!” As an OutSystems partner, Quatronic not only wants to develop, but actively contribute to the digital design and business process flows. At Alpina, this method works very well. “They provide good, capable consultants who go beyond just building solutions. We've all devised the processes together and they've trained our own programmers how to use low-code for a future-proof solution.”

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Design together, short lines of communication, switch quickly, periodically evaluate and closely involve the advisors in the interim releases. We see it as the ideal way of working towards a bright future.

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The result

With the tool, Alpina's advisor can directly request quotes and premiums from various insurers, which can be presented directly to the customer. It can also be important for the customer to act quickly, so signing the quote and receiving the policy is also fully digitized. The ease of use for advisor and customer is very important here. Cherelle also sees it this way: “we previously had a tool for advisors, but we noticed that advisors were not always able to find their way there, so we still received quote requests via our mailbox. Thanks to the ease of use of our new tool, it has been made easier for our advisors to enter their own quotes and they also receive an immediate premium. Acceptors have only been taking a few minutes to accept quotes. Thanks to various automatic checks and validations, our acceptors are also provided with a user-friendly tool.”

Director Tom Ikink is proud of the new platform, which was realized in a short time thanks to teamwork. “This platform was set up within a few months, thanks to modern technology that allows us to build user-friendly software quickly and dynamically. This way of development is based on close cooperation between business and IT, and we liked it very much. Design together, short lines of communication, switch quickly, periodically evaluate and closely involve advisors in interim releases. We see it as the ideal way to work for a bright future.”

For example, thanks to Quatronic, the Alpina Group is ready for a digital future.