In the digital age, customer expectations are changing fast and the insurance industry needs to keep up. Consumers now expect the same seamless, fast, and intuitive experiences they get from tech platforms in other sectors. As insurers and brokers, this means rethinking how we engage, advise, and distribute.
Enter: Digital broking, digital advice, robo advice, and robo broking.
But what do these terms really mean? And how can they be implemented to meet evolving customer needs while opening new, scalable distribution channels?
Let’s break it down.
Digital broking: Digital broking refers to the digitisation and automation of the traditional insurance broker model. It allows brokers to offer quotes, compare products, manage policies, and service customers entirely online, often via white-labelled portals or apps (e.g. Briisk). It’s about making the broking experience faster, more transparent, and accessible 24/7.
Digital advice: Digital advice leverages technology to help customers navigate complex insurance decisions. This often involves interactive forms or guided questions that assess a customer’s risk profile and coverage needs, then recommend suitable products—all without needing a face-to-face advisor.
Robo advice: Robo advice takes digital advice one step further by using algorithms or AI to deliver automated, real-time product recommendations based on data inputs. This model works especially well for commoditised products like personal accident, travel, or microinsurance, and reduces the cost of acquisition significantly.
Robo broking: Robo broking combines robo advice and digital broking into a fully automated insurance buying journey; from needs analysis and product selection to instant quotes, underwriting, and policy issuance. It removes the need for human intervention entirely, making it ideal for embedded insurance or direct-to-consumer digital channels.
Today’s insurance buyers expect:
✅ Speed: Instant quotes and real-time policy issuance.
✅ Accessibility: 24/7 service across mobile and web.
✅ Personalisation: Tailored recommendations and simplified journeys.
✅ Trust: Transparent product comparisons and clear communication.
Digital and robo solutions deliver on all these fronts—creating experiences that are not only efficient but also customer-centric.
1. Choose the right tech stack
To launch digital or robo models, you need a flexible, API-driven platform that can integrate with product engines, data sources, payment gateways, and customer interfaces. Briisk’s digital insurance platform provides all of this—making it easy to configure products, launch new distribution models, and go to market fast.
2. Define your distribution strategy
Are you going direct-to-consumer, embedding insurance into a partner’s journey, or enabling brokers to sell digitally? Your strategy will inform whether you need a white-labelled broker portal, an embedded widget, or a robo advice tool.
3. Simplify the product offering
Digital distribution works best with clear, modular products that can be understood without an advisor. Microinsurance, lifestyle covers, and SME bundles are great starting points for robo advice and digital broking journeys.
4. Automate underwriting and fulfilment
The more underwriting and fulfillment you can automate, the more scalable your model becomes. Pre-underwritten or rule-based products are ideal for robo broking, where speed and simplicity are key.
5. Build in compliance and transparency
Digital advice models still need to meet regulatory requirements. Briisk’s platform supports structured advice flows and audit trails to ensure compliance while keeping the customer experience smooth and intuitive.
These digital models don’t just improve your existing operations – they open new doors:
✅ Retail partnerships (e.g. banks, travel sites, mobile operators)
✅ Affinity groups (e.g. unions, sports clubs, e-commerce platforms)
✅ B2B2C models through embedded insurance APIs
✅ Digital broker networks powered by centralised portals
With the right platform, partner and product strategy, you can reach customers where they already are – offering cover at the point of need, not weeks later.
At Briisk, we enable insurers, MGAs and brokers to embrace digital and robo models, without needing to rebuild their business from scratch. Our flexible, white-labelled solutions support digital broking portals, robo advice engines, and embedded distribution APIs, all designed to launch fast and scale easily.
Whether you’re reimagining how brokers work, launching a new D2C journey, or embedding insurance in a partner’s ecosystem, we’ve got the tech to get you there.
Digital broking and robo advice aren’t just trends – they’re strategic tools for staying relevant, reducing the cost of acquisition, and tapping into underserved markets.
Want to explore how Briisk can help you bring these models to life? Let’s talk.
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