Modernizing Insurance Sales and Product Configuration
InterRisk transformed its sales with the IRON platform, powered by Higson, delivering faster quotes, streamlined workflows, and business-managed product configuration.
About the Project
InterRisk TU SA Vienna Insurance Group identified the need to modernize its sales platform. This led to the development of IRON (InterRisk Online Network), a new system designed to streamline policy, renewals and discount management while improving user experience and flexibility. At the heart of this transformation is Higson, which enables InterRisk to configure products without IT intervention. The project launched in September 2023 and progressed rapidly, delivering a comprehensive modern system in under two years. Higson, Decerto’s business rules engine, had already been in use at InterRisk, primarily supporting tariff calculations.
In the IRON system, Higson became the backbone for configuring insuranceproducts and managing decision logic.
With Higson, InterRisk is able to:
- Configure decision logic for product eligibility, ensuring that only appropriate combinations of coveragesare available for selection.
- Define available coverages and product variants, such as different risk types and combinations offeredbased on vehicle type or customer profile.
- Map and manage data between systems, providing a unified configuration repository for productdefinitions.
Outcome & Benefits
The deployment of the IRON platform has transformed InterRisk's sales operations by delivering a modern, user-friendly system that supports both agents and business teams. Key benefits are:
- Streamlined and intuitive workflows, enhancing user experience.
- Fast performance with instant quote calculations and real-time variant comparisons.
- High security standards, with two-factor authentication aligned with DORA regulations, ensuring data protection and regulatory compliance.
- Automation and time savings by automated customer data retrieval, image compression, and offer dispatch directly from the system.
Benefits
Quick product configuration, enabling business users to manage product definitions and rules without IT support.
All rules and dependencies of decision logic are in one place reducing duplication and improving maintainability.
Higson lets maintain separate configurations for different applications or environments, ensuring consistency and clarity in product setup across the platform.
Future Plans
The IRON platform is designed as a scalable solution, with plans to introduce new product lines beyond motor insurance. Upcoming developments include property insurance products and an underwriting module.
Conclusion
The implementation of the IRON platform, with Higson as its business rules engine, has transformed InterRisk’s sales operations. The platform offers improved time to market, flexibility, and control over insurance product configurations. Higson’s integration enabled centralized decision logic management, dynamic rule updates, and scalability for future growth.
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