3 posts tagged with "email"

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.