FUZE — connect any distributor to any insurer, instantly
A sophisticated, fully parameterised middleware that lets insurers configure, market and sell insurance products across virtually any channel — without waiting on IT.
Core systems weren't built for today's distribution
Many financial institutions still rely on core technology that is outdated compared to the systems their customers use every day at home or on their phones. Replacing that core is often a long, difficult exercise — precisely when the business wants to take advantage of modern technology and communication channels to retain and grow.
FUZE was built first from a distributor's perspective, then from an insurer's — enabling distributors to talk to their customers through a variety of channels, and insurers to talk across multiple markets and back-end systems, from the most modern to the most legacy.
The result is a middleware that connects insurers with almost any potential distributor — sophisticated online retailers, traditional face-to-face and direct channels, or anything in between.
Effortlessly add, market and sell — through your channels or theirs
FUZE enables you to add, market and sell products and services through your own channels and through third-party affinity channels via a set of APIs. The system is agile, flexible and fully parameterised — providing as much configurability as regulators allow.
A versatile, cross-industry, multi-channel solution
FUZE supports standard and customised insurance products for partners across a multitude of channels:
Everything an underwriter needs to move fast
Modular & API-Based
Seamless integration with partners' core and sales systems — insurance core, banking core, reservation systems and more — via direct or API connectivity.
Full Parameterisation
Configurable for multiple environments, countries, cultures, currencies, products, sales agencies, sales channels and marketing campaigns.
Real-Time Reporting
Automated, real-time reporting and statistics let stakeholders quickly spot trends, run tactical campaigns and track sales performance by market and channel.
Secure by Design
Full encryption and secure access via SSL and IP-whitelisting protect every connection into and out of the platform.
High Availability & Lightweight
A light footprint means lower infrastructure cost and fast response times, with the ability to run concurrently across multiple servers for high availability.
Agile Form Renderer
A front-end form renderer lets teams create or refine product sales parameters in real time — no downtime, no lengthy IT development cycle.
Advanced Underwriting & Rating
A flexible underwriting and rating module lets FUZE underwrite, market and sell everything from the simplest to the most complex products.
Automated Fulfilment
Sales fulfilment is delivered automatically via email with PDF attachments, SMS text messages and social media messaging through API integration.
Flexible Payment Channels
Supports eWallets, loyalty points, credit cards and cash — matched to the payment habits of each market and channel.
Ten modules, one connected platform
The FUZE system is made up of purpose-built modules that work together end-to-end — from environment setup through to reporting.
Environments & Insurers
Regional market segmentation
Product Management
Insurer, class, sales channels & groups
Underwriting
Product-level underwriting rules
Pricing
Underwriting & business rules
Sales Channels & Groups
Products & commission structure
Fulfilment
Email & PDF, SMS
Reporting
Automated daily & monthly, TXT/CSV/XML/Excel
Administration
Users & functionalities
API Web Services
SOAP/XML integration to & from third parties
Packaging
Front-end sales form renderer engine
Full control over every sales channel
System administrators can create, update and manage sales channels along with their user credentials and IP address whitelist. Each channel can be assigned its own commission structure — which supersedes the product's default — and access to specific product plans, enabling exclusivity and differentiation between channels.
Insurer Salesforce & Telesales
Sales staff get a simple digital sales process — implemented without major changes to the insurer's or bank's core system.
Retail, SME & Affinity Customers
Supports face-to-face, direct-to-consumer and affinity channels — helping insurers grow traditional, bancassurance and affinity business quickly.
Less Work for Your IT Team
FUZE takes the workload of implementing and maintaining new distribution channels off the insurer's IT team — most changes are managed within FUZE itself.
Product Management
Create, update and manage product categories, classes, sub-classes and plans. Each plan is configured with its own benefits, premium ratings, underwriting rules, commission structure, front-end interface template and fulfilment settings.
Underwriting & Rating Management
Build sets of questions and answers that match customer input at the front end. FUZE analyses the data entered against possible answer combinations to determine underwriting results and the resulting premium — with a rating module flexible enough to support almost unlimited pricing structures.
Front-End Sales Form Renderer
Specify the look and feel of the customer-facing input form, customised further with CSS3 and JavaScript. Forms render in real time from configuration — so the commercial team can manage sales forms directly, without a long IT enhancement cycle.
Hosting, Your Way
FUZE can be hosted on-premise, on Microsoft Azure, or on Amazon AWS. Cloud hosting provides industry-standard 99.95% SLA uptime and lets FUZE scale effortlessly to meet demand.
Curious how FUZE fits your distribution strategy?
Let's talk about your products, channels and markets — and how FUZE could shorten your time-to-market.