An E-Commerce Site That Brands Products to Each Agency

and Permits On Line Sales to Flourish

Agency Consulting Group, Inc.’s commitment to its clients and readers of the PIPELINE is to bring the ‘cutting edge’ of insurance technology and management to them whenever we encounter them.  To that end we would like to introduce you to InsurStore.   This concept is not unique in e-commerce but is ‘slick’ and workable.

The InsurStore® is a multi-carrier, multi-product, e-commerce solution developed with GBO’s InsurIQ® technology for the purchase of individual insurance and personal protection products. The InsurStore® has been designed to provide a new source of commission income for agents and distributors to supplement revenues from traditional insurance sales and distribution methods.

High Tech – Low Touch:  Provide your clients with a complete digital experience!

Core to the InsurStore® is a simplified, uniform and consistent, end-to-end, web-based, buying experience for consumers, including the ability to research and explore multiple product types and categories, obtain product pricing, apply for products, pay for those products, get immediate access to instantly issued policies, customer service and claim contacts and other fulfillment materials through a secure on-line account.

The purchase process can be consumer-driven or deployed to support an agent-assisted process – either for face-to-face sales or for an agent call center.

Each InsurStore includes multiple products from multiple carriers in a single “storefront”. Life, A&H and P&C products may be offered side-by-side with non-insurance products creating a broad portfolio on the virtual product shelves. Currently, dozens of products are available from a growing number of name-brand manufacturers. Products include insurance for dental, vision, pet, accident, life, hospitalization, critical illness and more. The InsurStore also includes a variety of non-insurance products like products like medical discounts, pharmacy and pet savings plans and identity theft protection.

InsurIQ works with each distribution partner to customize their product portfolio and add the distributor’s branding. Once established, the distributor links to their InsurStore from their own website, and embeds the InsurStore links into email marketing campaigns or other customer communications.

The InsurStore includes an agent portal providing access to marketing, sales and servicing tools.

Expand the product portfolio you offer to your clients and prospects.

Products offered can include life, accident & health and property & casualty products along with non-insurance products.  Insurance products include term life, AD&D, dental, vision, legal, pet, wedding, unemployment protection, critical illness and cancer insurance.  Non-insurance products include travel assistance, discount programs, telemedicine, auto clubs, and more.

Rather than directing consumers to many, single product insurance websites, agents and other distributors can deliver a consistent, familiar, web-based, multi-product “shopping cart” experience under their own brand.  Returning customers can easily add to their product portfolio with a “one-click” buying solution for follow-on purchases.

Distributors are notified by email of all transactions completed in the InsurStore®.  A distributor portal is populated with all relevant customer information including: customer name, products purchased by carrier/vendor, effective date, premium/fees paid and commission due.

The InsurStore is not for every agent.  But if you have been entertaining e-commerce as a venue and avenue of agency growth, this is a good way to gain entry quickly, painlessly and at modest cost. For more information about the InsurStore, please visit or call either Carole Hans (203-446-8053) or Lee Walters (203-446-8066).