For insurance brokers
The inbox gets smart. The portfolio stays manual.
In the 2021 broker barometer, brokers reported spending more than half their working time on IT and paperwork and clearly less than half on clients (Policen Direkt). Since late 2025 the software vendors have made the inbox smart. The work that sets what your portfolio sells for, renewals, hygiene, outreach, still happens by hand. That is the part we automate.
30 minutes, no obligation. German or English.
67%
of brokers in the intermediary barometer are over 50; every second one wants succession settled within eight to nine years
AfW 16th intermediary barometer
65%
would hand off the office work completely if they could
Policen Direkt broker barometer 2021
39%
use their broker management system for portfolio analyses, against 72% for document access
procontra broker survey
The gap
The new broker-software AI sorts documents. Nobody works the portfolio.
Since November 2025 nearly every relevant vendor has shipped AI: Keasy, Assfinet, blau direkt, Smart InsurTech, VEMA. Almost all of it targets the inbox: classify, extract, summarize. The proactive side, renewals, portfolio hygiene, occasion-based outreach, is missing across the shelf. That is what we build.
Renewal and expiry management
Expiries and renewal dates are tracked across the whole book, client outreach is drafted in your firm's tone and follows up on schedule, and you approve before anything goes out. This is the work the 2025/26 software wave left out, and it is the work that sets what your portfolio sells for.
Portfolio hygiene on a schedule
GDV batches, portal downloads and real interfaces are reconciled into one current picture per client: missing documents, stale data and undocumented changes surfaced as a worklist instead of discovered at handover. The data exchange with insurers that Versicherungsforen Leipzig calls the industry's efficiency killer stops eating your week.
Occasion-based client outreach
Contract anniversaries, expiring terms and detected changes in a client file become prepared letters in your tone, ready for your sign-off. The system prepares the occasion; the advice and the recommendation stay yours, as § 61 VVG demands.
The bridge between inbox, portals and your MVP
Incoming mail and portal documents are classified, matched to client and contract and filed where your management system expects them. If your pool or MVP already ships inbox AI, we tell you to activate that first and build what it does not do.
Professional law first
Built around § 61 VVG, not past it
Brokers cannot use AI the way other businesses do, and any provider who does not open with that is a risk. Our setup follows §§ 60 to 63 VVG, Article 9 GDPR and the supervisory expectations EIOPA published in August 2025.
The recommendation stays yours
§ 61 VVG demands the personal recommendation with stated reasons from the broker, and under § 63 you are liable for the documentation required by § 62, not your tooling. Our systems prepare recommendations and documentation as drafts. They do not pronounce advice.
Article 9 health data, treated as such
Health data from private-health or disability cases is Article 9 data. It never belongs in consumer AI accounts, only in systems under a data processing agreement, processed on EU infrastructure, and your data trains nothing.
Disclosure built in from day one
From 2 August 2026, customer-facing AI must identify itself as such under Art. 50 of the EU AI Act. We build the disclosure in from the start instead of retrofitting it under deadline pressure.
Human oversight, as EIOPA expects
In August 2025 EIOPA formulated the expectation that is standard in our projects anyway: human oversight over every AI output. In Austria, § 28 MaklerG explicitly requires ongoing review of the contracts in your care; the preparation automates well, the judgment stays with the broker.
How it starts
Same engagement, firm-specific scope
Intro call
Free
30 minutes on your firm's bottlenecks. About a third of these calls end with the advice that AI is not the right tool yet.
Process audit
from €2,500 · credited to the implementation
We map where the hours actually go, from intake to deadline board, and rank the use cases by payback. You get a shortlist with expected effort, not a slide deck.
Implementation
Fixed fee, named in your proposal
One process at a time, live in your daily business in 2 to 4 weeks, with your team trained and a sign-off step wherever client data leaves a draft.
Fair questions
What insurance brokers ask us first
Our pool or MVP just shipped AI. Do we still need an agency?
Activate those features first; we say that explicitly in intro calls. The 2025/26 wave covers the inbox: classifying, extracting, summarizing. What no vendor ships is the proactive side, renewal management, portfolio hygiene, occasion-based outreach, plus the bridge work between portals and your system. If your vendor's AI already solves your bottleneck, we tell you so and you save the money.
May client and health data go into an AI system at all?
Only under conditions, and that is the point of our setup. Health data from private-health and disability cases is Article 9 data and never belongs in consumer AI accounts. We work with a data processing agreement, EU hosting, no training use, and a human sign-off before anything reaches a client. Without those conditions the honest answer would be no.
Does the AI advise my clients?
No. § 61 VVG demands the personal recommendation with stated reasons from you, and that line is built into everything we deliver. The systems collect, prepare, draft, remind and file. You advise, and you sign off.
What does this have to do with succession?
In the AfW barometer, every second broker wants succession settled within eight to nine years, and what a portfolio sells for depends on its condition: current data, documented advice, worked renewals. Every automated hour of portfolio care pays twice, once in operations and once at sale.
What does it cost?
The audit starts at €2,500 and is credited in full against the implementation. Implementations are fixed-fee. For market context, we published what AI automation actually costs, with sources, on our blog. Read the article with all market prices.
Talk to us before the succession question does
A 30-minute call is enough to tell whether your firm has an automation case. If it does not, we say so.