{"id":15129,"date":"2022-10-31T16:02:33","date_gmt":"2022-10-31T13:02:33","guid":{"rendered":"https:\/\/insly.com\/?p=15129"},"modified":"2026-09-23T13:24:24","modified_gmt":"2026-09-23T10:24:24","slug":"strategies-for-modernising-your-insurance-distribution-model","status":"publish","type":"post","link":"https:\/\/insly.com\/en\/blog\/strategies-for-modernising-your-insurance-distribution-model\/","title":{"rendered":"Strategies for modernising your insurance distribution model"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div><p><span data-contrast=\"auto\">Customers now expect insurance to be as easy to buy as anything else they buy online: the right cover, available on their terms, with help on hand whenever they need it. That expectation is reshaping how insurance gets distributed, not just how it gets sold.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insurance companies and MGAs are under pressure to re-imagine their distribution channels. They need streamlined ways to reach customers and strengthen their proposition, without wasting time and resources on costly R&amp;D projects that may not turn out to be profitable.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The good news is that adding or updating a distribution channel no longer has to mean a costly R&amp;D project. Modern modular insurance software lets MGAs and insurers set up automated workflows for broker-led, direct-to-consumer and embedded distribution on the same foundation, so each new channel builds on what is already in place rather than starting from scratch.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: justify;\">The future of insurance distribution methods<\/h2>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><span class=\"TextRun SCXW187619717 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW187619717 BCX4\">Broker-led distribution:<\/span><\/span><span class=\"TextRun SCXW187619717 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW187619717 BCX4\"> Brokers remain the backbone of insurance distribution, especially for complex, specialty and hard-to-place risks where customers want advice before they buy and for most MGAs this is the channel that carries the bulk of their business. Modernising broker-led distribution <\/span><span class=\"NormalTextRun SCXW187619717 BCX4\">doesn&#8217;t<\/span><span class=\"NormalTextRun SCXW187619717 BCX4\"> mean replacing the relationship, it means removing the friction around it: digital submission and quote-and-bind journeys, faster turnaround times and clear, centralised control of broker access, <\/span><span class=\"NormalTextRun SCXW187619717 BCX4\">commissions<\/span><span class=\"NormalTextRun SCXW187619717 BCX4\"> and payments.<\/span><\/span><span class=\"EOP Selected SCXW187619717 BCX4\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span class=\"TextRun SCXW120967830 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW120967830 BCX4\">Direct distribution (direct-to-consumer):<\/span><\/span><span class=\"TextRun SCXW120967830 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW120967830 BCX4\"> Direct insurance distribution lets customers buy insurance without an intermediary. Insurance brands <\/span><span class=\"NormalTextRun SCXW120967830 BCX4\">retain<\/span><span class=\"NormalTextRun SCXW120967830 BCX4\"> complete control of policy terms through rules-based algorithms. For simple insurance plans, insurance management platforms can handle the entire customer journey, from <\/span><span class=\"NormalTextRun SCXW120967830 BCX4\">initial<\/span><span class=\"NormalTextRun SCXW120967830 BCX4\"> quote to claims settlement, with little to no human input. An excellent <\/span><span class=\"NormalTextRun SCXW120967830 BCX4\">option<\/span><span class=\"NormalTextRun SCXW120967830 BCX4\"> for MGAs or insurers who want to cut the cost of hiring intermediaries.<\/span><\/span><span class=\"EOP Selected SCXW120967830 BCX4\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span class=\"TextRun SCXW219804022 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW219804022 BCX4\">Embedded insurance:<\/span><\/span><span class=\"TextRun SCXW219804022 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW219804022 BCX4\"> Forecasts for embedded insurance&#8217;s growth by 2030 vary widely by <\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">methodology<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">, with estimates ranging from <\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">roughly $<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">280bn to $950bn in gross written premium and figures around $700bn a common mid-point. Whichever estimate proves closest, the direction is clear: <\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\"> a popular distribution model for gadget insurance, where policy terms are simple enough to agree at the point of sale. Embedded insurance software enables carriers to manage these policies through low-touch, automated systems, a profitable option for tech brands or companies with little in-house insurance <\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">expertise<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">. Platforms like <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW219804022 BCX4\">Insly<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\"> enable providers to work directly with insurance brands to ensure bolt-on cover is properly <\/span><span class=\"NormalTextRun SCXW219804022 BCX4\">maintained<\/span><span class=\"NormalTextRun SCXW219804022 BCX4\"> through the customer lifecycle.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span class=\"TextRun SCXW45294065 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW45294065 BCX4\">A note on buy-and-build:<\/span><\/span><span class=\"TextRun SCXW45294065 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"> <span class=\"NormalTextRun SCXW45294065 BCX4\">There&#8217;s<\/span><span class=\"NormalTextRun SCXW45294065 BCX4\"> been an uptick in <\/span><\/span><a class=\"Hyperlink SCXW45294065 BCX4\" href=\"https:\/\/www.mckinsey.com\/industries\/private-equity-and-principal-investors\/our-insights\/why-private-equity-sees-life-and-annuities-as-an-enticing-form-of-permanent-capital\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW45294065 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW45294065 BCX4\" data-ccp-charstyle=\"Hyperlink\">private equity investment<\/span><\/span><\/a><span class=\"TextRun SCXW45294065 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW45294065 BCX4\"> in the insurance industry, with investors employing buy-and-build strategies, <\/span><span class=\"NormalTextRun SCXW45294065 BCX4\">buying<\/span><span class=\"NormalTextRun SCXW45294065 BCX4\"> and merging mid-sized portfolios to maximise profitability. This is not a standard distribution route, though: for most smaller MGAs, <\/span><span class=\"NormalTextRun SCXW45294065 BCX4\">acquiring<\/span><span class=\"NormalTextRun SCXW45294065 BCX4\"> portfolios simply <\/span><span class=\"NormalTextRun SCXW45294065 BCX4\">isn&#8217;t<\/span><span class=\"NormalTextRun SCXW45294065 BCX4\"> financially realistic. Treat it as an optional path for larger businesses with the financial backing to fund it, typically those backed by venture capital or private equity investors, rather than a strategy to plan around. Where it is on the table, automated insurance distribution tools make it easy to share policy management functions with third parties, so you can <\/span><span class=\"NormalTextRun SCXW45294065 BCX4\">maintain<\/span><span class=\"NormalTextRun SCXW45294065 BCX4\"> secure systems and manage access as your brand progresses through an M&amp;A process.<\/span><\/span><span class=\"EOP Selected SCXW45294065 BCX4\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>\u00a0<\/h2>\n<h2 style=\"text-align: justify;\">Strategies for modernising insurance product management<\/h2>\n<p style=\"text-align: justify;\"><span class=\"TextRun SCXW183485325 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW183485325 BCX4\">Expanding your distribution channels can help your company innovate and gain a competitive edge, but your distribution strategy <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW183485325 BCX4\">has to<\/span><span class=\"NormalTextRun SCXW183485325 BCX4\"> work for all parties to transform your business model effectively. Here are three key areas worth focusing your time and investment.<\/span><\/span><span class=\"EOP Selected SCXW183485325 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\">Customer-centricity<\/h3>\n<p style=\"text-align: justify;\"><span class=\"TextRun SCXW97015247 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW97015247 BCX4\">Customers expect a simplified experience from the moment they interact with your ads, even while scrolling social media. Insurance management platforms like <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW97015247 BCX4\">Insly<\/span><span class=\"NormalTextRun SCXW97015247 BCX4\"> can streamline the customer onboarding process from start to finish. For example, you can integrate <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW97015247 BCX4\">your<\/span> <\/span><a class=\"Hyperlink SCXW97015247 BCX4\" href=\"https:\/\/insly.com\/en\/insurance-product-builder\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW97015247 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW97015247 BCX4\" data-ccp-charstyle=\"Hyperlink\">underwriting software<\/span><\/span><\/a><span class=\"TextRun SCXW97015247 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW97015247 BCX4\"> with CRM systems, notifying customers when <\/span><span class=\"NormalTextRun SCXW97015247 BCX4\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW97015247 BCX4\"> time to review or renew a policy. <\/span><\/span><a class=\"Hyperlink SCXW97015247 BCX4\" href=\"https:\/\/ai.insly.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW97015247 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW97015247 BCX4\" data-ccp-charstyle=\"Hyperlink\">Nora, Insly&#8217;s AI layer,<\/span><\/span><\/a><span class=\"TextRun SCXW97015247 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW97015247 BCX4\"> can also cut the time it takes to process a submission by automating data extraction that would otherwise need a person to do it manually. Offering customers a personalised, digital-first experience is key to winning over younger insurance buyers.<\/span><\/span><span class=\"EOP Selected SCXW97015247 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\">Broker\/third-party distribution channels<\/h3>\n<p style=\"text-align: justify;\"><span class=\"TextRun SCXW100618812 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW100618812 BCX4\">Brokers have always been the most popular distribution channel for riskier insurance products<\/span><span class=\"NormalTextRun SCXW100618812 BCX4\"> and<\/span> <span class=\"NormalTextRun SCXW100618812 BCX4\">that&#8217;s<\/span><span class=\"NormalTextRun SCXW100618812 BCX4\"> unlikely to change.<\/span><\/span><span class=\"EOP Selected SCXW100618812 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span class=\"TextRun SCXW94912784 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW94912784 BCX4\">Consider the flexibility of your workforce and find ways to maximise your team&#8217;s <\/span><span class=\"NormalTextRun SCXW94912784 BCX4\">expertise<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> while minimising time spent on non-core tasks. Explore your options for working with third parties, internal sales <\/span><span class=\"NormalTextRun SCXW94912784 BCX4\">desks<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> and<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> hybrid agents (using both physical and digital channels) to grow your business. Secure cloud system access is essential here. <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW94912784 BCX4\">Insly<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> provides a customisable <\/span><\/span><a class=\"Hyperlink SCXW94912784 BCX4\" href=\"https:\/\/insly.com\/en\/mga-insurance-software\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW94912784 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW94912784 BCX4\" data-ccp-charstyle=\"Hyperlink\">MGA management system<\/span><\/span><\/a><span class=\"TextRun SCXW94912784 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW94912784 BCX4\">, letting you control broker access, commission <\/span><span class=\"NormalTextRun SCXW94912784 BCX4\">rates<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> and<\/span><span class=\"NormalTextRun SCXW94912784 BCX4\"> payment processing from one central dashboard.<\/span><\/span><span class=\"EOP Selected SCXW94912784 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\">Low-risk insurance product tools<\/h3>\n<p style=\"text-align: justify;\"><span class=\"TextRun SCXW140649308 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW140649308 BCX4\">Updating your distribution channels is <\/span><span class=\"NormalTextRun SCXW140649308 BCX4\">a real challenge<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\"> for firms still relying on legacy systems. Any insurance distribution strategy needs a plan for moving away from outdated workflows. <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW140649308 BCX4\">Insly<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\">offers an affordable way to build your tech stack to meet your evolving distribution needs, with add-on services and API integration that <\/span><span class=\"NormalTextRun SCXW140649308 BCX4\">don&#8217;t<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\"> require coding experience. Investing in modular, low-<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\">risk<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\"> product-building and distribution tools lets you make changes, analyse <\/span><span class=\"NormalTextRun SCXW140649308 BCX4\">performance<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\"> and<\/span><span class=\"NormalTextRun SCXW140649308 BCX4\"> update your proposition without burning time and budget on R&amp;D.<\/span><\/span><span class=\"EOP Selected SCXW140649308 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: justify;\">Insly can help you expand your business&#8217; capacity and cost-efficiency<\/h3>\n<p><span data-contrast=\"auto\">With Insly&#8217;s low-risk insurance software, you can explore new distribution channels quickly while keeping complete control of your critical business data and IT costs.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insly&#8217;s team traces its roots back over 25 years in insurance and insurtech, since Risto Rossar founded IIZI Insurance Brokers in 2000, with a sizable network of specialists across insurance and technology.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">We work with 70+ MGAs and insurers and on average our customers handle double the gross written premium they managed on their previous systems.<\/span><\/i><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/meetings.hubspot.com\/martinkosk\/discovery-call-website\"><span data-contrast=\"none\">Book a demo<\/span><\/a><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Customers now expect insurance to be as easy to buy as anything else they buy online: the right cover, available on their terms, with help on hand whenever they need it. That expectation is reshaping how insurance gets distributed, not just how it gets sold.\u00a0 Insurance companies and MGAs are under pressure to re-imagine their [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[39,78],"tags":[103,26],"class_list":["post-15129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-innovation","category-mga","tag-insurance-distribution","tag-insurance-innovation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modernising your insurance distribution model | Insly<\/title>\n<meta name=\"description\" content=\"See how modern insurance distribution strategies, buy-and-build, embedded 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