Rubicon Investments

Rather than offer a back-office "warehouse", we have developed an end-to-end capability that does more than administer the "life" of a policy. Our solution can add value through offering consultancy in product design, customer profiling and marketing, as well as sourcing and facilitating the underwriting support required. We are focused on enhancing the brand values of our clients, whether established insurers or new brand entrants. We create a tailored "white-label" solution, researching and understanding the brand to allow us to align our services to each individual brand proposition. In short, Rubicon itself remains invisible to the customer who experiences only the brand of the insurance distributor. The insurance industry consistently struggles to engage the trust of the consumer in a meaningful way, hence the increasing prevalence of non-insurance brands as insurance distributors. Perhaps the industry will never be able to effectively establish a close consumer relationship; after all, insurance is a product which is more often "sold" rather than "bought". However non-insurance brands, especially retail brands, do enjoy the consumer's trust and loyalty. Maybe insurers should focus on their fundamental core competencies, things they cannot outsource - solvency and risk management for example.