WHY INSURANCE AGENT APP?
Smart independent insurance agents ask: Why is Insurance Agent App better? HOW mobile apps do what they do is just as important as WHAT they do. If you think all apps are the same, they’re not….
All Insurance Apps Are NOT Created Equal
All Insurance Apps Are NOT Created Equal
Learn what your agency should consider to make an informed decision about deploying a mobile app for clients
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IS YOUR AGENCY RELATIONAL OR TRANSACTIONAL?
- If yours is a “Relational” agency and you enjoy engaging with clients, particularly when they need “servicing”, you’ll deploy Insurance Agent App because the IA App facilitates engagement with useful features that help your clients be more productive when interacting with your agency.
- If yours is a “Transactional” agency – you want carriers servicing your clients – and you have no problem requiring clients to DIRECTLY connect with your carriers – then there are solutions out there that will do just that. A DIRECT client connection to carriers also reduces the need to engage with your agency. That’s the “transactional” model.
- By the way, instead of spending a ton of money to put your clients in a “box”, you could simply recommend your clients use apps provided by carriers. It’s a lot less expensive.
If your agency is considering putting clients in a “box”, here are some important questions to consider:
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DATA ACCESS & SECURITY
- Is a legal Agreement/Contract in place (with your appointed insurers) to access the insurer’s consumer website portal via the insurer’s API (Application Programming Interface)? Keep in mind, only a handful of insurers have API’s available for sanctioned third parties to access data via the insurer’s consumer website portal.
- When a legal Agreement/Contract is not in place to access an insurer’s consumer website portal, after your clients establish username & password credentials in your agency’s mobile app, how is the mobile app developer accessing policy data on behalf of your agency’s clients?
- Does the mobile app developer own their own technology to scrape the policy data from an insurance company’s consumer website portal?
- Or does the mobile app developer license another third party’s technology to scrape the insurance company’s consumer website portal for policy data?
- When your client establishes username and password credentials to access an insurance company’s consumer portal using a third-party mobile app deployed by your agency, who retains and has access to that username & password?
- What is your agency’s responsibility and liability when it comes to protecting and limiting access to a client’s credentials that are used to access insurance company consumer portals?
- What happens when your appointed carriers implement 2FA (Two-Factor Authentication) to access the insurer’s consumer website portal (insurance company reinsurers are already requiring 2FA be implemented)?
- What happens if your agency licenses a mobile app and stops using it one year later… What happens to all the data?
- Will the insurance companies with which your clients established a DIRECT connection in your agency’s mobile app (and no longer using) then remarket to YOUR clients?
FUNCTIONALITY
- What features are in the mobile app your agency is considering for your clients to use? Hint: If the app is primarily displaying policy information, your clients already have their policy in a file drawer, and they never look at it anyway. Just because the policy data are in an app does not mean they are going to utilize it – the mobile app must be FUNCTIONAL!
- Does the mobile app display BOTH PL and CL policy data?
- Does the mobile app display E&S / Non-Standard policy data?
- Is the mobile app engineered to integrate with ALL agency management systems?
- Can the mobile app send data back to your agency’s management system?
- How easy is the mobile app to use for vehicle accident, property incident, workplace accident documentation and reporting?
- Can clients document their property with an inventory feature?
- Can clients pay their insurance bill through the app?
- Can the mobile app be customized for your agency?
- Is the mobile app under consideration built from a consumer’s perspective or an agency’s? Hint: It had best be from the consumer’s perspective…..
- How user-friendly is the mobile app for policyholders?
- Is it simple to navigate, or is it complicated? Does it make sense to the user?
- How easy is provisioning the app to use for the first time?
- Can the mobile app be localized for other languages?
- Does the mobile app have biometric login?
PRICING
- An Agency client-facing mobile app should be affordable and should not cost more than your AMS or CRM.
- Insurance Agent App provides agencies more than twice the features and functionality than competitive offerings at a reasonable price.
- Paying double for a mobile app that has half the functionality of Insurance Agent App makes no sense, especially when the app is going to cost the agency more in the long run by building your client’s relationship with their carrier and not your agency.
- If it seems too expensive, it probably is!
Let’s Get Started!
Affordable pricing starting at $60/month.
