Partner brokers
Insurance broker? Think outside the box.
For many insurance brokers, life insurance is a problem as big as life itself. Life Experts solves this problem for them. Since 2015, Life Experts has been growing the personal insurance portfolio of other brokers: our so-called partner brokers. You have the network. We have the expertise.
Our partner brokers: three target groups.
We are active throughout Flanders for around fifteen partner brokers, both large and small offices. Our experience shows that we serve three target groups:
1. Mainly active in non-life
You are a professional broker, mainly active in non-life insurance. You do not offer life insurance yet, or less often. You feel yourself that your level of service in life insurance is a good deal lower than what your office offers in non-life insurance. As a result your client is not served optimally, you miss out on part of your profitability, and in the end you risk losing this client to a competitor over time. Life Experts is your ideal partner to offer your clients the same service they are used to in non-life insurance. What is more, you can tell a positive story: you introduce a specialist to your client, who moreover remains your client.
2. Specialised in LIFE
You are a specialised insurance broker, specialised in LIFE. A partnership makes sense in that case too. Perhaps you are active exclusively in investment insurance. Or perhaps you have a substantial banking portfolio in the 3rd pillar, but do not manage to build up your 2nd pillar profitably. Or you are active in EB (employee benefits), but do not manage to give self-employed company directors a satisfactory answer on the 2nd pillar. In any case: you are a specialist yourself, and you believe in expertise. Your clients are used to a personal and specialised approach. In that case, Life Experts is the perfect partner for your office. You can deploy Life Experts to approach your clients for the management of the 2nd pillar portfolio for the self-employed, with the annual tax optimisation.
Or deploy us to tackle EB issues such as groepsverzekeringen, bonusplannen en collectieve hospitalisatieverzekeringen.
3. Successful in non-life and LIFE
You are a successful insurance broker active in non-life as well as in LIFE. Even so, your team does not manage to make your office's personal insurance portfolio profitable. The earnings model in personal insurance is so specific that it is not obvious to sell life insurance profitably. Or perhaps the path your office has travelled in life insurance in the past has been rather bumpy, for example because of staff turnover. And on top of that, you are no longer sure whether your office still meets the many administrative formalities and compliance obligations that personal insurance brings with it. In short: you notice that you fall short in personal insurance taken out by companies. You do not manage to give your client the necessary overviews, and the insights that follow from them, on their personal insurance and their pension, death and disability cover. You do not, or not sufficiently, manage to answer questions about collective employee benefits. In that case too, you can call on Life Experts to approach your clients professionally and still remain profitable.
Life Experts as the 'life department' of your office
Based on our many years of experience and a proven co-brokerage agreement, Life Experts becomes the 'life department' of your office. Call us a plug-in. Or a quality label. But above all, call us colleagues.
That is how we create a win-win-win.
Your client is helped optimally: for their personal insurance they enjoy the same high-quality service they are used to as a client for their non-life insurance.
You come across as even more professional to your client, you receive fair remuneration for the years of effort you have invested in building your network, at no extra cost to your client, you save on future salary costs, you no longer have to invest time and energy in finding and training staff specialised in 'life', and on top of that you grow your portfolio further as if you were doing it yourself.
And finally... we, as experts, do not have to put energy into building a network of our own. We can focus on what we are good at: offering independent expertise in personal insurance.
What matters here is that we do not do so-called 'pooling', that is, grouping contracts for accounting purposes. On the contrary. Our advisers meet and service every client. We actively grow the partner broker's client portfolio further. New clients generated from your existing clients also remain part of your portfolio over time (think, for example, of sister companies).
Life Experts as a temporary solution
Your life insurance employee has decided to give their career a new direction. You can then call on Life Experts temporarily. That way your clients keep the certainty of being helped optimally, even in a more difficult period for your office, and you have time to look for a suitable new employee (if you wish).
Hiring the right people costs a lot of money. And such skilled and experienced employees are anything but thick on the ground. Since Life Experts mainly works on a 'no cure, no pay' basis, a partnership is more advantageous for your office. That way your clients keep the certainty of being helped optimally, even in more difficult periods for your office. And you have time to look for a suitable new employee (if you wish).
Life Experts as a consultant
Do you want your office to specialise (further) in 2nd pillar insurance? You can call on Life Experts for this. It can involve:
- Training for your employees
- Information sessions for clients
- Discussions with accountants
- Analysing your portfolio and identifying opportunities for optimisation
- Analysing the insurance companies and choosing the best partners
Life Experts as a freelancer or interim manager
Are you, or your lead 2nd pillar specialist, temporarily unavailable? Life Experts can help by working in your office as an interim manager within its field of expertise during this period. That way you keep the certainty that your office maintains the specialised way of working it has always stood for.
Meet our team.