At face value, it seems like a fair question. You’re likely just starting your career, still exploring your independence, and not exactly at the stage of life where you’re planning for worst-case scenarios.
But this question isn’t just a conversation starter — it’s a reflection of a deeper issue in the insurance industry: a lack of early engagement and understanding.
Younger generations are digital-first, financially cautious, and experience-driven. They aren’t thinking about insurance unless they’re forced to. And when they do try to engage, they’re often met with confusing terminology, rigid processes, or product options that feel out of touch.
This is where digital brokers step in — not as transactional agents, but as digital educators and long-term risk partners.
The idea of planning for uncertainty can seem irrelevant to someone in their early twenties. But in reality, this is the perfect time to lay the foundation for financial resilience.
Whether it’s taking out basic health insurance, funeral cover, or even starting a savings-linked policy, the earlier someone begins to understand insurance, the more empowered they are to make informed financial choices throughout life.
The challenge? Helping them understand this in a way that’s simple, contextual, and easy to act on.
Education + access, all in one platform
Powered by Briisk’s ITP, digital brokers are bringing younger consumers into the insurance conversation by blending intuitive user experiences with embedded learning.
Here’s how:
✅ Mobile-first design: Young users want fast, easy access via their smartphones. Digital broking makes insurance journeys seamless on mobile, removing friction from first interaction to purchase.
✅ Smart explainers & journey-based education: Tooltips, interactive FAQs, and plain-language product descriptions help young adults learn what insurance is while exploring options.
✅ Relevant product recommendations: Using built-in logic and user profiling, Digital brokers ensure 21-year-olds using insurance platforms can find what fits specific financial needs.
✅ Agentic agents (AI assistants): Available 24/7, these AI agents can answer real-time questions like “Do I need life cover if I’m healthy?” or “What’s the difference between medical aid and health insurance?”— without pressure or judgment. The AI Agent can also help guide first time insurance buyers through an onboarding insurance journey.
While the front-end of a digital broker focuses on education, engagement, and a smooth buying journey, the Briisk Instant Transaction Platform (BITP) powers everything behind the scenes. From digitising products and enabling white-label distribution to automating administrative tasks like policy issuance, premium collection, and claims management – BITP ensures the process is as efficient for the broker as it is intuitive for the customer. This operational backbone not only reduces acquisition costs but also increases product lifetime value, allowing brokers to serve younger customers with speed, accuracy, and scalability.
Find out more about how Briisk could help your business, by booking a demo today!
For younger users, the key isn’t to rush into a sale, it’s to build trust. And that trust is built through education, transparency, and relevance.
A digital brokers that uses technology platforms doesn’t just “sell” insurance. It helps users understand the value of protection, even if they’re not yet ready to buy today.
That’s the long game — and it’s the one that wins.
In the next article in this series, we’ll explore a critical follow-up question:
“What insurance do I actually need?”
With so many products on the market, it’s easy to get overwhelmed. We’ll look at how personalised digital journeys and intelligent automation are helping customers cut through the noise and find what’s truly relevant — quickly and confidently.
Artificial Intelligence (AI) is no longer just a futuristic buzzword — it’s here, shaping how industries operate, innovate, and grow. In insurance, where efficiency and accuracy are critical, AI has the potential to transform every step of the value chain, from product design and marketing to claims management and training. But while many talk about […]
Personalisation and decision support through a digitised broker platform “There are so many options… how do I know what’s right for me?” It’s one of the most common — and paralysing — questions for insurance customers. Whether they’re 21 or 51, navigating product choices can be overwhelming, especially when financial literacy is low and the […]
At face value, it seems like a fair question. You’re likely just starting your career, still exploring your independence, and not exactly at the stage of life where you’re planning for worst-case scenarios. But this question isn’t just a conversation starter — it’s a reflection of a deeper issue in the insurance industry: a lack […]
It’s a foundational question, often asked, rarely answered well. For many, insurance remains complex, inaccessible, or something to “worry about later.” Yet in today’s unpredictable world, insurance is more relevant than ever. The problem isn’t a lack of need—it’s a lack of understanding. This is precisely where EduTech and InsurTech intersect to drive change. Enter […]
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, […]
Unlocking payment flexibility, operational ease, and customer satisfaction The insurance industry is undergoing a digital evolution, with customer expectations pushing companies to rethink how they handle payments. Traditional methods like debit orders and direct debits have served their purpose, but in today’s fast-paced, tech-forward world, they often fall short – especially when flexibility, retention, and […]
The insurance industry is changing rapidly. With online platforms, instant quotes, and digital policies, it’s never been easier for customers to purchase insurance products. But amid all this convenience, one crucial element is being left behind: professional, personalised insurance advice. At Briisk, we believe that no matter how seamless or digital the insurance journey becomes, […]
In a world where digital convenience is paramount, embedded insurance is quickly becoming a must-have feature for businesses looking to enhance value and customer satisfaction. But what exactly is embedded insurance, and why is partnering with an insurtech like Briisk the most effective way to implement it? Let’s explore. What is embedded insurance? Embedded insurance […]
The pace of technological change is accelerating—and so is the consolidation of the industry. As we enter the second quarter of 2025, mergers and acquisitions (M&A) continue to reshape the global tech landscape, including the fast-evolving insurtech space. For insurtech companies, M&A trends aren’t just background noise—they’re critical signals. Whether you’re preparing for growth, seeking […]
The insurance industry is on the cusp of a transformative revolution, driven by advancements in artificial intelligence (AI). At the heart of this change are generative AI and agentic commerce, two concepts set to redefine customer journeys and the buying process. Understanding generative AI and agentic commerce in insurance Generative AI refers to AI systems […]