Innovation is integrated into our system – when developing products, we think things through with you from the end customers’ perspective. How do they live? What risks are of concern to the target group, what channels do they get their information from, and what product profile is best suited to them?

We find the answers to these questions together and in an agile way. To do this, we rely on an approach that is both experimental and exploratory, developing products iteratively and without any fixed expectations as to the results. In this way, we avoid wasted investments and help you make a success of the product innovations created: from initial idea to product design and pricing, and on to implementation and the training of your employees. 

Risk levels and client requirements are subject to change. That’s why we’re constantly developing new products. Our goal is to create long-term security. So we’re always questioning the status quo. We identify changes to our clients’ needs, respond promptly and find new solutions to handle new risks. We work with our clients to create security – by developing products that are flexible, fair, transparent and easily accessible.

The scope of options ranges from preconfigured to customised. We are also happy to support you with strategic new developments and tailor the product design to your requirements – for example to sales targets, margin expectations or rating requirements. In addition, we offer modular and flexible product solutions featuring occupation-specific and interest-specific benefit modules, for example, or flexibly modifiable levels of protection.