Why Group Onboarding Efficiency is Critical​

Onboarding new group insurance benefits can be extremely time-consuming for both carriers and brokers. In fact, inefficiencies in group onboarding can often be the breaking point when growing the book of business or adopting newer technologies. This is especially relevant when, for example, over a third of life insurance executives are sighting growth and technology as their leading concerns according to LIMRA. However, sacrificing variability of plan design in favor of group onboarding efficiency can also lead to the loss of new business. It is thus critical to have the ability as a broker or carrier to quickly onboard groups even with a variety of configurations in their plan designs.

How Uniblox Dramatically Simplifies the Process​

Uniblox has been designed for maximum efficiency when onboarding new groups, while also allowing for a wide range of group-level configurations. Via a simple csv upload, a broker or carrier can upload 100s of groups at a time if desired, all with separate configurations and rules for coverage based on the plan design. After upload, all of the groups are immediately set up and ready for enrollment via a group link, census, or integrated SSO vendor link.

Devil's in the Details: Complex Use-Cases, Group Versioning, Integrations, App Expiration, and More​

Setting up complex use-cases and plan designs are simple and efficient with Uniblox. Brokers and carriers can easily configure complex plan design elements such as: max multiples of salary, tiered multiples out-of-the-box SSO integrations with BenAdmin systems, EOI reports, EDI feeds, HR and admin contacts, email services, and much more.

Coverage Rules​

Coverage rules can become quite complex to track and make sure are accurate and updated on across all of your groups and plan designs. Uniblox allows for simple rules like max multiples of salary, to very complex rules like a specific rounding rules for spouses based on the employee's elected coverage. Additionally, the complexity of plan designs can include maximum coverage amounts influenced by the applicant's age band, differentiating between employee, spouse, and child applicants, and formula-based enrollment effective dates that consider criteria such as hire date, waiting period, or special enrollment windows. Moreover, insurance carriers and brokers using Uniblox can easily update the group rules by filling out a simple field in the group onboarding file, which can automatically be reflected across all open and future apps, including any existing email links that were sent out. This simple yet powerful control of application elements like coverage rules prevents complex post-enrollment problems that can come up when mistakes are made in the original election.

Integrations​

Correctly implementing SSO and EDI feeds on a group level are also complex and become quickly outdated with changing standards. The ever-changing technology landscape can overwhelm internal IT teams at insurance carriers and brokers who can't always prioritize errors in an SSO channel that only affects a small part of their book of business. Because of this, various integrations that result in an ideal customer experience can often be left behind and forgotten. In fact, according to LIMRA's 2023 Digital Transformation in Workplace Benefits report, only a minority of carriers are using inbound or outbound APIs to sync data across third party BenAdmin systems during EOI. Uniblox's obsession and constant upkeep of robust integrations with BenAdmin systems and other external vendors empowers brokers and carriers to easily set an integration in a group onboarding file and have the peace of mind of knowing that the integration will simply work and will be actively maintained.

Expiration Warnings and Closing Apps​

Speaking of avoiding problems in post-enrollment audits, one of the tricker tasks for carriers and brokers is to make sure digital applications actually expire after open-enrollment. Uniblox has a life-saving functionality where the application expiration dates can be set with a simple configuration in the group onboarding file, and all access points to those apps will reflect this application expiration date. Moreover, Uniblox's onboarding files contain an option to set expiration warnings. These warnings will email applicants before apps are closed so that they can complete their applications on time.

Case study - onboarding 700+ groups in a few months​

Too good to be true? Just ask the brokers and carriers who already use Uniblox today for seamless group onboarding! In one case study, a carrier was able to leverage our platform to onboard over 700 groups in less than 5 months. The administration team described Uniblox onboarding as "magic" and "life-changing!" Feel free to book a demo with Uniblox to learn more about how efficiencies in group onboarding can help grow your business.

Capturing employee attention to engage in voluntary benefits can be very difficult. Often, employees want to purchase these insurance products, but they struggle with understanding and completing the application process amidst busy lifestyles.

Enter Uniblox.

50-200% More Conversion​

Uniblox is revolutionizing the voluntary benefits industry with a state-of-the-art email service that effectively captures and intelligently reengages employees to apply to voluntary insurance products. Uniblox's follow-up email service is so advanced that our partner carriers and brokers are receiving 50-200% more conversion than normal.

How Does it Work?​

Timed to perfection​

Uniblox utilizes AI/ML bots that automate and constantly improve the email follow-up process for voluntary insurance products. Well, what does all that jargon mean? Essentially, Uniblox is learning over time the behaviors of when and how employees interact with these products and responds by reminding employees at the right times to engage with and complete their voluntary insurance applications.

100% email deliverability​

Behind the scenes, Uniblox partners with and adheres to the best practices of all of the leading email carriers to make sure that we maintain our 100% email deliverability score. For example, these practices include limiting total number of email sends per applicant as well as the total length and design of the email templates themselves.

Magic links​

Among its unique features, Uniblox follow-up emails include what we call "magic links." These links are tied to the applicant's unique email address and allow for single-click authentication and the ability to resume their application directly from where they last left off - on any device and at any time.

Uniblox's Dedication to the eCommerce Experience​

Voluntary insurance products are just that - voluntary. Just as online eCommerce giants have revolutionized the cart and purchasing experience for consumers, Uniblox is dedicated to providing individuals with a premium eCommerce experience when purchasing voluntary insurance products.

Life is hectic, people are busy - and purchasing voluntary insurance is rarely on the top of an employee's to-do list. With Uniblox's premium follow-up email service, insurance carriers can create a seamless, modern eCommerce experience for voluntary insurance products that drive industry-leading business outcomes.

As a digital distribution technology for insurance carriers, Uniblox has a unique culture that we call our "no applicant left behind" policy. What this means is that we are hyper-focused to help every single individual applicant get through the application process from apply to bind.

How We Uphold our Commitment to Leaving No Applicant Behind​

1. Obsession with the Customer Experience: First and foremost, we are dedicated to building a premium customer experience for all applicants. Uniblox is one of the few solutions on the market that provides a premium experience for both mobile and desktop users. In addition, we automatically save and update a user's application so they can return at any time and avoid filling out duplicate information. This is just the tip of the iceberg for our premium customer experience! We are updating components of the application nearly every day to enhance the experience for all.

2. Self-Healing Digital Platform: At Uniblox, we understand that the digital landscape is dynamic, requiring frequent updates and fine-tuning to stay ahead. That's why our platform is designed to be self-healing, ensuring that our applicants' journey remains uninterrupted, even as we make multiple releases per day or as our carrier partners adjust the application flow.

   This innovative self-healing capability means that Uniblox automatically preserves the applicant's state throughout the application process. Even when encountering issues, the platform is adept at recovering from a wide range of problems without disrupting the consumer experience. This resilience is crucial, especially when updates or modifications are made in real-time.

3. Email Automation: We have pre-set, AI-enabled drip campaigns to encourage new and existing applicants to complete their application so nobody is left behind. Uniblox's emails have industry-leading open-rates and deliverability, so applicants are not missing any emails associated with their applications. Compared to an industry-average open rate of 21.36% and click rate of 2.13%, Uniblox has an average open rate of 69.40% and click rate of 15.11%.

4. Real-time rates and decisions: Coverage rates and pre-approved decisions are updated in real time to keep the applicant engaged with the rates they are agreeing to. Users love when they are notified immediately that they are pre-approved for coverage.

5. Proactive Issue Resolution and Personalized Support: Internally, the Uniblox team conducts daily standups focused on proactive problem-solving. Each day, we review alerts generated by our system that pinpoint any issues applicants may encounter during the application process. Alongside these alerts, we receive detailed diagnostic data, providing us with a comprehensive understanding of the hurdles faced by applicants.

   For instance, if an applicant clicks on an outdated link or gets stuck at a particular step, our precision tracking immediately flags this. During our standups, we leverage this insight to troubleshoot effectively and create targeted action plans. This approach ensures that each applicant receives personalized support to smoothly navigate and complete their application process.

Why We are Hyper-focused on the Customer Experience​

Uniblox is committed to helping every applicant succeed because we believe that everyone deserves the opportunity to apply for and purchase great insurance products that have been built by our carrier community. By focusing on every individual and every edge case, we are able to build a frictionless experience for all users - no matter where, when, or how they want to apply for insurance. This culture of attentive, data-driven support is truly what makes Uniblox stand out as a digital distribution platform.

The wave of digital transformation is reshaping the insurance sector. As carriers undertake system modernization, migrating from legacy frameworks to the cloud emerges as a primary concern. Within this digitization narrative, email delivery's importance is paramount. By leveraging streamlined, digitized processes, it offers unparalleled efficiency gains and significantly reduces paper-intensive workflows from the initial quoting process, through application, policy issuance, servicing, and even claims management.

Why Email Delivery is Central to Core Modernization?​

The task at hand for insurance carriers is clear: to consistently earn their place in the inbox. It's not just about sending an email; it's about building and maintaining a trustworthy channel of communication with policyholders and stakeholders.

So, why is this emphasis on email deliverability crucial for insurance carriers amid their digitization efforts?

1. Trust & Reliability: Emails can fortify the bond between carriers and their clients. Prompt and accurate communication, be it about policy changes, claims status, or premium reminders, signals professionalism and reinforces trust.

2. Operational Efficiency: Integrating effective email communication into modernized processes can significantly expedite operations. Instantaneous digital communication means faster policy issuance, claim updates, and responses, leading to satisfied customers and streamlined operations.

3. Environmental Responsibility: By leaning into digital communication, insurance carriers can substantially reduce their paper trail. This not only means cost savings but also aligns with environmentally friendly practices, a growing concern for many modern consumers.

Complexities of Email Deliverability​

However, with the enormous benefits of integrating email delivery into the modernized infrastructure come inherent challenges. As an email sender, insurance carriers must navigate three distinct friction points to ensure their messages are effectively reaching their intended recipients:

1. Email Sender Reputation: The journey of an email begins even before it lands in the inbox. Internet Service Provider's (ISP) assign email sender reputation score to organizations that send emails. The higher the score, the more inclined an ISP is to deliver emails to the recipients' inboxes on their network.

2. Bypassing Bots: Modern inbox systems employ sophisticated bots to categorize incoming emails. These bots continuously evolve, adapting to new spam patterns, marketing tactics, and junk mail identifiers. For insurance carriers, the challenge is two-fold: ensuring emails provide value and making certain they aren't erroneously categorized as spam or junk by these bots.

3. Earning the Recipient's Trust: Finally, once the email lands in the user's inbox, the real test begins. The content must not only be relevant and timely but should also resonate with the recipient's needs. Whether it's a clear call to action, an update, or policy details, the content should foster trust and spur engagement.

5 Steps to Secure 100% Email Deliverability​

Achieving 100% email deliverability in insurance's digital context isn't merely an added bonus—it's an essential component. Here’s how insurance companies can ensure it:

1. Implement Email Authentication Protocols:

• Use standards such as SPF, DKIM, and DMARC to validate the authenticity of emails. This not only builds trust with email service providers but also assures clients that the email is genuinely from their insurer.
• Understand the sender IP address as a pivotal factor; ISPs evaluate email credibility using this digital fingerprint. Regularly review IP reputation to ensure you're in good standing.

2. Maintain a Pristine Email Database:

• Update email lists to remove inactive subscribers or outdated addresses. Automate this flow to make it work at scale.
• Incorporate a double opt-in mechanism, ensuring that clients genuinely wish to receive digital correspondences.

3. Deliver Tailored and Relevant Content:

• Given the sensitive nature of insurance, it’s imperative to ensure email content is both relevant and personalized to the recipient's needs.
• Craft subject lines that are clear and compelling, avoiding phrases that might seem overly promotional or spam-like.

4. Rigorously Test Emails Before Dispatch:

• Check emails across multiple platforms and clients to ensure uniform display.
• Regularly validate the functionality of links, especially those leading to claim forms, policy documents, or payment portals.

5. Monitor and Analyze Deliverability Metrics:

• Consistently track delivery rates, open rates, and engagement metrics. Such insights can guide refinements in the digital communication strategy.
• Be alert to changes in bounce rates, addressing any anomalies promptly to maintain email integrity.

For insurance carriers in the throes of digital transformation, email delivery is more than just a communication tool—it's a linchpin in the modernization process. As systems shift from legacy to cloud-based setups, the dynamism of email communication complements this transition, ensuring efficiency, reduced paperwork, and a direct line of communication with policyholders. But, as with all digital tools, the challenge lies in mastering its nuances. By understanding and addressing the three levels of friction, insurance carriers can harness the full potential of email delivery, making it an asset in their digital arsenal.

In an increasingly digitized world, the group insurance industry has remained in the analog era, particularly in the realm of voluntary benefits. Too often, the process still involves either physical paper forms or digitized web forms. Yet, converting paper forms to web forms is not true digitization, and it falls short of what customers expect from a modern digital experience. Such practices lead to inefficiencies and deter participation. It's high time we move beyond the era of paper forms and pseudo-digital solutions. This is where Uniblox's platform provides a real shift from these dated practices to a comprehensive, user-friendly eCommerce experience.

Delivering a Modern Customer Experience​

Uniblox provides a customer experience that aligns with today's digital landscape. The platform leverages out-of-the-box templates that cater to eCommerce-like experiences, with customization options to match specific branding and marketing needs.

Furthermore, Uniblox harnesses real-time data collection and analysis to provide actionable insights to insurers, helping to create a frictionless journey for employees. The result? A dramatically improved customer experience that matches the best in eCommerce.

Streamlining Operational Efficiency​

Uniblox's real power shines through in its ability to streamline operational efficiency for all parties involved. It doesn't just convert a paper-based system to digital; it redefines the entire process to create a more efficient, user-friendly, and cost-effective ecosystem.

Brokers​

By enabling same-day onboarding and providing real-time insight into the conversion funnel, Uniblox empowers brokers to offer proactive and efficient service. Additionally, the platform's integrations with numerous enrollment and benefit administration platforms turn brokers into problem solvers for their clients. This transformative approach improves retention and participation rates and establishes brokers as forward-thinking professionals in the digital era.

Employers​

Uniblox not only simplifies and automates the enrollment process but also integrates seamlessly with existing payroll processes, leveraging industry standards or through customizable automated daily/weekly reports. Employers can receive data feeds tailored to their preferences and systems, reducing administrative burden and enhancing efficiency. The platform's user-friendly interface enhances the employee experience, reflecting positively on employers' commitment to employee wellbeing.

Insurers​

Uniblox serves as a comprehensive solution that enhances operational efficiency, reduces overhead costs, and improves customer service. With its back-office integrations, carriers can deliver quicker decisions, reduce paperwork, and scale during peak enrollment resulting in significant cost savings and better customer experiences.

Boosting Participation Rates​

Uniblox's impact extends beyond simplification; it actively enhances the enrollment experience. The platform's AI engine harnesses data analytics, identifies points of user disengagement, and effectively encourages them back into the application process. These intelligent nudges ensure users stay on track, effectively raising engagement and ultimately improving participation rates. This tailored, intuitive approach enhances the overall employee experience, setting a new standard for digital interactions in the benefits enrollment process.

A Future-Ready Insurance Industry​

Insurers hold the keys to transforming the group insurance industry. With a platform like Uniblox, Insurers can deliver superior customer experiences, boost operational efficiency, and significantly increase participation rates. Embracing comprehensive digital transformation is not just about preparing for the future, but about actively shaping it. The future of group insurance begins with you, the insurers. It's time to lead the revolution.