2025 Overview: IT Tools for Insurance – Part 2

IT tools for brokers: a decisive factor for growth

In brokerage, technology is not just a support function: it directly determines the ability to grow, to gain flexibility, and to stand out in the market. Contrary to popular belief, a broker’s IT needs are not determined by size alone, but above all by strategy and business model.

A small broker managing a niche portfolio may require advanced portfolio management software if their level of delegation is high. Conversely, a broker with no delegation may manage millions in premiums through a CRM and insurer extranets.

But in all cases, one truth remains: the quality of IT tools is a critical performance driver.

• Poorly adapted software slows growth.
• Powerful and flexible solutions accelerate distribution, boost productivity, and improve profitability.

That’s why it is essential to understand the different IT scenarios brokers face, depending on their economic model and level of delegation.

1. Understanding the different levels of delegation

An insurer may delegate all or part of its operations to a broker. These delegations generally cover four dimensions:

• Underwriting: the ability to sign an insurance contract without systematically referring to the insurer. On standardized products (Auto, MRH, SME liability), a broker can often access a tariff and provide a quote without an underwriting delegation. But final signature is usually controlled by the insurer via an extranet.
• Policy administration: the ability to manage contract life-cycle operations (endorsements, cancellations, certificates).
• Premium collection: direct responsibility for invoicing premiums and commissions. A broker may lack collection delegation (premiums billed by the insurer), yet still need to invoice sub-brokers or manage commission distribution. In this case, dedicated billing software becomes essential.
• Claims management: full or partial handling of claims reporting, instructions, and settlements.

Depending on which delegations are granted, software needs change radically.

2. Non-delegated products: the empire of double entry

The majority of brokers still work without delegation. In practice, this means:

1. They use the insurer’s extranet to create and manage policies.
2. They then re-enter the same information into their internal tool to track the portfolio.

This model has significant drawbacks:

• Time-consuming double entry, leading to wasted hours and frequent errors.
• Fragmented portfolio view, with no consolidated client overview.
• Limited management insight, as data is difficult to exploit for growth decisions.

In this context, digitalisation is crucial. As portfolios expand, administrative tasks explode. Without adapted IT tools, growth simply stalls.

This is where a CRM-type solution becomes indispensable — centralising client data, automating tracking, and providing an aggregated portfolio view. But generic CRM solutions fall short: to be effective, they need to be augmented with insurance-specific modules.

This is exactly what Korint Grow delivers:

• A ready-to-use CRM tailored for brokers, or an integration layer to enhance your existing CRM.
• Email integration for seamless communication.
• Document reading and pre-filling capabilities, reducing manual entry.

The result: a true 360° view of clients and the elimination of double-entry inefficiencies.

3. Delegated products: a technological leap

Once a broker secures delegation (underwriting, administration, collection, or claims), their IT needs change entirely.

A simple CRM is no longer sufficient. Brokers require a robust portfolio management system, capable of handling complex and high-volume operations, such as:

• Accurate premium calculations and reliable billing.
• Portfolio tracking and compliance with insurers and regulators.
• Automation of repetitive workflows (endorsements, certificates, invoicing).

With full delegation, the needs become those of an insurer. All core insurance tools are necessary.

This is where Korint Core makes the difference:

• A cloud-native SaaS platform built to absorb both volume and complexity.
• Modular by design, allowing gradual deployment.
• Digital-first architecture, with open APIs to connect CRMs, extranets, and partners.

But portfolio management alone is not enough. A delegated broker must also deliver seamless digital journeys for distribution and policyholders. This means:

• Configurable subscription funnels, adapted to each product and business rule.
• Clear user experiences for document collection, quoting, and e-signatures.
• Unified interfaces bridging brokers, insurers, and partners to strengthen distribution strategies.

This is precisely the role of Korint Reach:

• A ready-to-use broker extranet and distribution portal.
• Connectable in real time to Korint Core, or integrable into your existing back office.
• Enabling fast, homogeneous, and compliant digital journeys.

4. The traps to avoid for growing brokers

Many brokers underestimate the complexity of delegations and settle for lightweight software. The risks are clear:

• As portfolios expand, commission management, fee tracking, and sub-broker invoicing become unmanageable without dedicated tools.
• Generic CRMs do not cover insurance-specific needs.
• When scaling up (becoming a wholesaler, gaining new delegations), brokers often need to re-implement everything — wasting time, budget, and market opportunities.

Korint’s position is clear: if you have ambitious growth objectives, and especially if you aim to secure delegated authority from insurers, then you must equip yourself with flexible, scalable software today.

A modular, open management platform designed to evolve ensures growth without the risk of hitting roadblocks.

5. The concrete benefits of the right IT tools

Equipping yourself is not just about buying software — it’s about measuring the direct business impact.

According to McKinsey (The Future of AI in Insurance), early adopters of robust digital platforms achieve on average:

• +20–30% operational productivity,
• –40% processing time on administrative tasks,
• +10% premium growth, thanks to greater commercial responsiveness.

For brokers, the added value of adapted IT solutions plays out on four dimensions:

• Accelerating growth → Fewer manual operations, more time to expand partnerships and launch products.
• Strengthening compliance → Delegations demand perfect traceability. The right software guarantees transparent, regulator-proof processes.
• Improving customer experience → Smooth, digital journeys reduce errors, accelerate onboarding, and foster loyalty.
• Gaining flexibility → Broker growth is never linear. IT tools must adapt to evolving delegations and business models.

Conclusion: a strategic, not technical, decision

IT tools are not about the size of a brokerage firm. They are about strategic vision.

• Without delegation, the priority may initially be to reduce double entry and consolidate portfolio views.
• With delegation, the challenge is to deploy end-to-end management systems, similar to those used by insurers.

In both cases, IT should not be seen as a cost, but as a lever for digitalisation, growth, and competitiveness.

With Korint’s flexible and modular solutions, brokers can scale at their own pace — from simple distribution via insurer extranets to full delegated management.

This is the second part of our series on IT tools in insurance. In our next article, we will focus on the specific challenges faced by insurers and mutuals, dealing with legacy systems and the imperative of modernisation.