Client assessment system helping 300 insurance consultants
Company
Country
Poland
Industry
Insurance
System
Customer needs analysis
Executive summary
01
Client
Profitowi, a dynamic insurance multi-agency in Poland, specializing in life and non-life insurance.
02
The core challenge
Profitowi faced the dual challenge of ensuring strict compliance with the new regulations introduced by the Polish Financial Supervision Authority (KNF) and GDPR requirements, while improving the efficiency and consistency of its sales advisor network. Their existing processes for customer needs analysis were manual and inconsistent, creating significant compliance risks and limiting sales productivity.
03
Solution delivered
Pretius designed and built a bespoke, web-based Customer Needs Analysis system. This centralized platform automates the entire advisory workflow, from guided customer questionnaires and intelligent product recommendations to the automatic generation of compliant PDF documentation.
Key outcomes:
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Full regulatory compliance: The system ensures a standardized, auditable needs analysis process is followed for every client, guaranteeing regulatory compliance.
- Increased sales performance: By streamlining the workflow and improving the accuracy of product recommendations, the system has directly contributed to an increase in policy sales.
- Significant advisor efficiency gains: The automation of manual tasks has drastically reduced the time advisors spend on administrative work, allowing them to focus on client engagement and sales.
- Standardized quality of advice: The platform ensures that every client receives the same high standard of needs analysis, strengthening brand trust and consistency.
Client background
Profitowi is a prominent insurance multi-agency in Poland, specializing in a wide range of life and non-life insurance products.
The company relies on an extensive network of sales advisors to connect with and serve its clients. In the highly regulated Polish financial services market, the quality, suitability, and compliance of the advice given by this network are paramount to the business’s success and reputation.
The Business Challenge: The dual pressures of compliance and sales efficiency
Profitowi was navigating a complex business environment defined by two critical pressures. Firstly, the introduction of the regulations by the Polish Financial Supervision Authority (KNF) imposed stringent new legal requirements on the customer needs analysis process.
Secondly, in a competitive market, the efficiency of their sales advisors was a direct driver of business growth. Their existing operational framework was struggling to meet both of these demands.
The primary business obstacles were:
- The compliance imperative: KNF mandated a thorough, documented analysis of every customer's needs to ensure any recommended product was suitable. Failure to adhere to these strict regulations exposed Profitowi to the risk of significant financial penalties, legal challenges, and damage to their professional reputation and brand name. Their existing manual processes lacked the standardization needed to guarantee compliance across their entire advisor network.
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Inconsistent advisory quality:
With a large and distributed team of consultants, ensuring that every advisor performed a needs analysis with the same level of rigor was a challenge. This inconsistency could lead to suboptimal product recommendations for customers and create an uneven standard of service, eroding brand trust as a result.
- Operational inefficiency and lost sales time: Manually conducting a needs analysis, identifying suitable products, and creating the necessary documentation was time-consuming. This process consumed a significant portion of an advisor's day, reducing the time they could spend engaging with clients, nurturing leads, and closing sales.
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Lack of centralized oversight:
Management had limited real-time visibility into the quality and consistency of the needs analysis process across the organization. This made it difficult to monitor performance, identify areas for training, or strategically manage the sales process.
Profitowi needed a unified solution that would solve their compliance problem while simultaneously acting as a powerful tool to accelerate sales.
Technologies That Powered the Transformation
01
Java
02
SpringBoot
03
Liquibase
04
Docker
05
PostgreSQL
06
Kubernetes
07
AWS
08
React
The solution provided by Pretius:
Profitowi partnered with Pretius to develop a bespoke, web-based Customer Needs Analysis system designed to be the central platform for their advisory network.
The comprehensive solution delivered by Pretius was built on several key pillars:
01
A centralized platform for compliance: The system provides a single, standardized workflow for the entire client assessment process and ensures that every legally required step is completed and documented for every client, creating a complete and easily accessible audit trail that guarantees regulatory compliance.
02
Consent collection: The solution also lets agents add scanned documents and collect marketing consent from clients.
03
Dynamic and intelligent questionnaires: Pretius developed a sophisticated questionnaire module that helps advisors gather all necessary information about a client's needs, demands, and financial situation.
04
Automated product recommendation engine: Based on the data collected in the questionnaire, the system's logic analyzes the information and suggests a list of the most suitable insurance products from Profitowi's extensive portfolio. This removes guesswork and ensures that recommendations are always consistent and appropriate.
05
Automatic PDF document generation: Upon completion of the analysis, the system instantly generates a professional PDF document containing all the required information and recommendations. This provides the client with a clear summary and gives Profitowi a compliant record of the interaction.
06
Advanced management reporting: The platform includes a dedicated reporting module that gives Profitowi's management a clear, real-time overview of sales activities, compliance adherence, and advisor performance across the entire network.
07
A modern, scalable technology stack: The solution was built using a powerful technology stack, including a Java/Spring backend, a React frontend, a PostgreSQL database, and deployed on AWS infrastructure, ensuring the system is secure, reliable, and scalable for future growth.
08
Easy upselling: The system facilitates the sale of insurance to new clients as well as upselling to 50,000 existing ones. Using data collected through the surveys, the solution sends agents automated notifications when a client’s insurance policy ends, urging them to contact them and use the opportunity to upsell.
This solution was built to transform their sales process from a manual, inconsistent workflow into a streamlined, compliant, and highly efficient digital operation.
Measured outcomes and business impact
The implementation of the custom ICNA system has delivered tangible and strategic benefits for Profitowi.
Foundational technical and operational improvements
Strategic and commercial value
+ advisors
Using the new system
k clients
Of Profitowi
insurance companies
Whose products are provided in the new system
Client testimonial
Radosław Olkiewicz
CEO at Profitowi
Thanks to the new client needs analysis system, our sales process is much easier and standardized. It helps our Experts better tailor insurance or financial solutions to the needs of the client. This results in increased sales to new clients and smooth upselling to existing ones.
