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Which tech stack for insurance brokers: the 7 essential tools

2/17/2026

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The insurance broker profession has evolved considerably in recent years. Between managing an increasingly demanding client portfolio, growing regulatory obligations, and increased competition, equipping yourself with the right technological tools is no longer an option but a strategic necessity.

Yet, faced with the multitude of solutions available on the market, how do you build the ideal tech stack for your brokerage firm? What are the truly essential tools that will help you gain productivity, improve service quality, and grow your business?

In this article, we review the 7 essential tools that every insurance broker should integrate into their digital arsenal to optimize their daily operations.

Why invest in an adapted tech stack?

Before detailing the essential tools, let's understand why it's crucial for an insurance broker to be well-equipped technologically.

The challenges of digitalization for brokers

The insurance sector is undergoing a profound digital transformation. Clients, whether individuals or businesses, now expect immediate responsiveness and a smooth experience at every stage of their journey.

For a broker, this means:

Responding quickly to quote requests
Ensuring personalized and proactive follow-up for each client
Efficiently managing deadlines and renewals
Maintaining perfect traceability of all interactions

Without the right tools, these requirements can quickly become overwhelming and lead to costly errors, oversights, or deteriorating service quality.

The real cost of lacking adapted tools

Many brokers hesitate to invest in technological solutions, thinking they're saving money. In reality, the absence of adapted tools generates considerable hidden costs:

Time lost on repetitive administrative tasks
Data entry errors and inconsistencies in client data
Missed business opportunities due to lack of follow-up
Stress and mental overload related to disorganization
Difficulties in management and strategic decision-making

A broker who spends several hours per week searching for information in Excel files or manually following up with clients could dedicate that time to business development or improving their offering.

1. Portfolio management software: the heart of your business

Portfolio management software constitutes the cornerstone of an insurance broker's tech stack. It's the tool that centralizes your entire activity and orchestrates all your business processes.

What is portfolio management software for brokers?

Specialized portfolio management software for insurance brokers goes well beyond a simple contract tracking tool. It's a complete solution that allows you to:

Manage the entire lifecycle of an insurance contract
Centralize all client information and their policies
Automate recurring tasks like contract deadline reminders or payment follow-ups
Generate documents and quotes quickly
Track commissions and profitability per client
Ensure compliance with regulatory obligations (DDA, GDPR)

Selection criteria for broker management software

If you're looking for portfolio management software, here are the essential criteria to evaluate:

Industry specialization: does the software truly understand brokerage challenges?
Ergonomics and ease of use: will your teams adopt it easily?
Integration capabilities: can it communicate with your other tools?
PSP (Payment Service Provider) integration: do you have real-time payment data for precise financial management?
Continuous improvement: will the solution be able to grow with your firm?
Support and guidance: does the publisher offer support during implementation and after production launch?

Why Korint stands out for wholesale and delegated brokers?

For wholesale and delegated brokers, the needs are even more specific. Korint was designed precisely to address these professionals' challenges:

A centralized multi-distributor platform: manage your entire network from a single, unified interface
Rapid deployment to your contributors: onboard your partner brokers in a few days with fully configurable journeys
Real-time network management: track each distributor's performance and identify your best business contributors
AI at the platform's core: use AI agents to automate your workflows, divide your processing time, and eliminate data entry errors, with guaranteed security
Native Stripe integration: payment data available in real-time on the platform, or the ability to integrate your own PSP for maximum flexibility
Automated commission rules: configure and automate your compensation grids without calculation errors
Guaranteed compliance for your entire network: centralize KYC, traceability, and audit for all your distributors
APIs to connect your ecosystem: integrate your business tools and share data with partners in real-time

The advantage of a solution like Korint lies in its ability to adapt to wholesale brokerage specificities, where generalist solutions quickly show their limits.

2. A CRM adapted to insurance brokers

Customer Relationship Management (CRM) is a tool often underestimated by insurance brokers, yet it constitutes a major growth lever.

Why does a broker need a CRM?

Contrary to common belief, portfolio management software doesn't replace a CRM. They're complementary:

Management software handles existing contracts and policies
CRM manages commercial relationships and new opportunity development

A CRM allows brokers to:

Qualify and track prospects until conversion
Plan and trace all commercial interactions
Automate follow-ups and lead nurturing
Analyze the effectiveness of commercial actions
Collaborate effectively within the sales team

Essential CRM features for brokers

Not all CRMs are equal for insurance brokers. Here are the essential features to look for:

Customizable sales pipeline: adapt stages to your sales process
Automated follow-ups: never leave a prospect without follow-up
Complete interaction history: centralized emails, calls, appointments
Advanced segmentation: target your marketing actions precisely
Commercial dashboards: measure your conversion rate and velocity
Email and telephony integration: work from a single interface

3. An electronic signature solution

Electronic signature has revolutionized document management in insurance. It has become essential for any broker wanting to accelerate their processes.

Why adopt electronic signature?

The benefits are immediate and measurable:

Drastic reduction in delays: sign contracts in a few hours instead of several days
Elimination of printing and mailing costs: save on postage fees
Improved customer experience: your clients sign from anywhere, anytime
Enhanced traceability: timestamping and certificate of authenticity for each signature
Secure archiving: all signed documents are preserved in a certified manner

A brokerage firm can reduce its subscription cycle by 40% by adopting electronic signature.

Selection criteria for electronic signature solution

Not all electronic signature solutions are equal. Evaluate these criteria:

Signature level: ensure you have at least an advanced electronic signature (eIDAS compliant)
Ease of use: the interface must be intuitive for your clients
Available integrations: connection with your management software?
Price per signature: watch for hidden costs on large volumes
Legal compliance: verify legal validity for your contract types

Leading market platforms

Among the most used solutions by brokers:

DocuSign: the global leader, very comprehensive but expensive
Yousign: French solution, excellent value for money

4. An automated comparison and quote tool

Time spent comparing offers and establishing quotes is one of the biggest productivity thieves for an insurance broker.

How comparators transform your efficiency

A good comparison tool allows you to:

Query multiple insurance companies simultaneously
Obtain real-time rates
Objectively compare coverages and exclusions
Generate professional quotes in a few clicks
Save considerable time on each file

For a broker handling 10 files per day, saving 15 minutes per quote represents over 60 hours recovered per month.

The importance of integration with your management software

Real productivity gain occurs when your comparator communicates directly with your portfolio management software. This allows:

Avoiding double entry of client information
Automatically transforming a quote into a contract
Keeping complete history of proposals made
Tracking your conversion rates by insurer

5. An invoicing and accounting solution

Financial management is often the poor relation of brokerage firm organization. Yet, rigorous invoicing and precise accounting follow-up are essential.

Why separate or integrate invoicing and business software?

The question of integration between your management software and your accounting tool is strategic. Two approaches coexist:

The all-in-one integrated approach: some software directly integrates invoicing. The advantage is apparent simplicity, but it can also lock you into a single ecosystem.

The agnostic approach: your management software (like Korint) automatically generates accounting files in standardized format (FEC, accountant format) and deposits them on shared servers. This allows you to work with any accounting tool or accountant, without technical constraints. This flexibility is particularly appreciated by brokers who already have an accountant with their own tools, or who want to change accounting solutions without questioning everything.

At minimum, your organization must allow you to:

Issue invoices compliant with accounting and tax standards
Manage payment tracking and client follow-ups
Automatically synchronize with your accountant
Produce VAT declarations
Analyze your profitability by activity

Essential features

Good invoicing software for brokers must offer:

Automated recurring invoicing: for your contracts with monthly commissions
Multi-currency: if you work internationally
Bank reconciliation: to track your receipts
Deposit management: for large professional contracts
Automatic reminders: for unpaid invoices
Standardized accounting export: FEC, accountant format

Recommended tools

Among popular solutions with brokers:

Pennylane: modern, advanced automation, native banking connection
Quickbooks: comprehensive and proven, good for growing structures
Tiime: French, simple and effective for small businesses
Sellsy: comprehensive with integrated CRM, good if starting from scratch

Some firms continue to use Excel for invoicing. This is a costly mistake that generates error risks and considerable time loss.

6. An emailing and marketing automation tool

Marketing automation is still too little used by insurance brokers. Yet it's a powerful lever to develop and retain clientele.

Marketing automation: more than simple email sending

A marketing automation tool allows much more than sending newsletters:

Fine segmentation of your base: target your communications according to client profile
Automated scenarios: welcome emails, nurturing sequences, deadline reminders
Personalization at scale: each client receives a message adapted to their situation
Performance measurement: open rates, clicks, conversions
Lead scoring: automatically identify your hottest prospects

Recommended platforms

For brokers, several solutions are particularly adapted:

Brevo (ex-Sendinblue): French, very good value, perfect to start
Mailchimp: intuitive interface, many templates
ActiveCampaign: very powerful for advanced automation
HubSpot Marketing: comprehensive but expensive, coherent if you already use HubSpot CRM

7. A call recording and transcription tool

Phone call recording has become an indispensable tool for quality and efficiency-focused brokers.

Concrete benefits of call recording

Beyond the regulatory aspect, recording and transcribing calls presents numerous advantages:

Perfect traceability: keep proof of all exchanges with your clients
Phenomenal time savings: no need to take notes during the call
Team training: re-listen to best exchanges to improve
Enhanced compliance: document advice provided to clients
Easier follow-up: instantly find what was said during a call

A broker who spends 2 hours daily on the phone can easily recover 30 to 45 minutes daily by automating note-taking.

Legal aspects not to neglect

Warning: telephone conversation recording is strictly regulated. You must:

Systematically inform your interlocutor that the call is recorded
Obtain their explicit consent
Respect GDPR retention periods
Secure access to recordings

Prioritize solutions that natively integrate these obligations to avoid any non-compliance risk.

How to build your tech stack progressively

Faced with this list of 7 tools, you might wonder where to start. Here's a progressive roadmap.

Prioritize according to your maturity level

Phase 1 - Fundamentals (Months 1-3):

Portfolio management software (it's the absolute base)
Electronic signature solution (immediate ROI)
Document management / Cloud (security and compliance)

Phase 2 - Business development (Months 4-6):4. CRM adapted to brokers5. Comparison / quote tool6. Automated invoicing

Phase 3 - Optimization (Months 7-12):7. Marketing automation8. Collaborative project management9. Call recording

The importance of integrations

The true power of a tech stack lies in its ability to make all tools communicate with each other. Prioritize:

Tools that offer open APIs
Platforms with numerous native connectors

A well-integrated ecosystem can multiply productivity gains by 3 compared to siloed tools.

Measuring return on investment

For each tool you adopt, track these indicators:

Time saved per week (in hours)
Number of errors avoided
Improvement in conversion rate
Increase in customer satisfaction (NPS)
Reduction in operational costs

A broker who invests €500 per month in their tech stack and recovers 10 hours weekly obtains a largely positive ROI.

Mistakes to avoid when choosing your tools

Before concluding, let's highlight common pitfalls brokers encounter when building their stack.

Neglecting team training

The world's best tool is useless if nobody knows how to use it. Systematically plan:

Onboarding and training time
Regular Q&A sessions
Accessible internal documentation
An internal ambassador for each tool

Underestimating hidden costs

Beyond monthly subscription, account for:

Initial setup time
Integration costs with existing tools
Historical data migration
Maintenance and updates
Technical support fees

A €50/month tool can ultimately cost several thousand euros the first year.

In conclusion: your stack, your competitive advantage

The insurance brokerage market is increasingly competitive. Brokers who stand out are those who understood that technology isn't an expense but a strategic investment.

By methodically building your tech stack with the 9 tools presented in this article, you give yourself the means to:

Offer a singular customer experience
Gain productivity and reduce your mental load
Develop your revenue more rapidly
Ensure your business sustainability against new entrants

Start with fundamentals (portfolio management software like Korint, electronic signature, document management), then progressively enrich your digital arsenal. Each adopted tool must solve a concrete problem and bring measurable benefits.

The question is no longer whether you should equip yourself, but when and how you'll do it. Because in 5 years, brokers who haven't embraced digitalization and artificial intelligence will likely have disappeared or been relegated to niche markets.

Your tech stack is your armor in the daily commercial battle. Equip yourself intelligently, and you'll dominate your market.