Embedded insurance reimagined
We are breaking away from embedded insurance and developing customized insurance benefits that merge with any products or services: Symbiotic Insurance – the most convenient way to enhance offers with an integrated insurance service. Without an extra contract, without a check-out data query that jeopardizes conversion. This is how customer loyalty works.
What makes Symbiotic Insurance
The absence of digital insurance products, an unwieldy number of application questions, abandoned checkouts and lack of clarity about the customer relationship – we have seen that embedded insurance needs to evolve.
At ZERO, platforms get purpose-fit insurance solutions as an integrated product upgrade for end customers – not just an add-on. A white-label service to reinforce brand identity. This is because customers do not have to conclude a separate contract as the insurance services that are offered and implemented are done so under your company name. Thanks to our API connection, existing data from the platform can be captured and the insurance cover embedded. In real time!
For every environment the right protection
B2B platforms require insurance products to complement their services that are truly exciting for customers. For example, by offering integrated income protection, companies like HR platforms can add value to their proposal and clearly stand out from the crowd. Employers get income protection as a benefit for employees. A win-win-win service, where ZERO remains in the background as always and the B2B company emerges as a competent protection partner.
Banks, leasing banks, and online brokers can protect themselves and their end customers by upgrading their coverage. Savings plan insurance, for example, safeguards platforms from customers suspending or completely canceling their savings plans in times of crisis. This service is applicable to any savings plan product and secures customers’ retirement savings – and their trust in the company.
For companies such as rental portals or construction financing providers, there are suitable insurance services to enhance their offers. With an integrated rental default protection or home insurance policy, platforms can offer an attractive value-added service and gain new customers, who have a limited propensity to switch, right from the start. This is because protection against rental defaults as well as against financial consequences due to property damage cannot be found as a convenient and suitable standalone product.
Additional insurance services We always find the right solution for every ecosystem. Product enhancement with Symbiotic Insurance services is also interesting for the employer benefits and sports sectors. With ZERO, for example, outdoor apps can offer their users a premium membership including outdoor sports insurance, thus retaining them on the platform.
Protection as an upgrade:A new embedded insurance era begins
Thanks to ZERO, insurance benefits merge with your product. We are finally making the integration of insurance services worthwhile again for both companies and their customers. That’s why we develop customized insurance solutions as an additional service for digital products and services – fully adapted to the customer journey.
As a hidden partner in the background, we build tailored insurance solutions that enhance your products. And with it, your brand presence. Because customers get the most convenient and supreme means of security from you on top. Without annoying data queries for a separate insurance contract. This improves the user experience enormously and thus your conversions. After the purchase, you remain the contact person for all matters. In this way, you gain the trust of your customers and guarantee yourself a decisive competitive edge.
- tailored insurance services as a product upgrade
- fully automated processing through API connection
- improved brand identity thanks to white-label solutions
- higher customer satisfaction and stronger loyalty
- additional revenue through sold insurance services
- no negative impact on user experience and/or conversion rate
Our founding team has already gained a wealth of experience in the InsurTech and FinTech industries which helped them recognize the challenges of integrating insurance solutions. Out of an urgent need to make embedded insurance simpler and more efficient, ZERO was born, as too was Symbiotic Insurance – tailored insurance options that merge with products and services. To accomplish this, we deliver digital interfaces that can be easily integrated into any system. In a nutshell: With ZERO as a provider of white label insurance solutions, your company can already benefit from the new standard of integrated insurance services.
Play it safe with ZERO