8 posts tagged with "experience"

Uniblox uniquely supports stacking of insurance products.

Uniblox supports stacked products for applicants coming from any channel. Stacked products link in-force coverage to in-flight applications in real time so applicants can understand their total coverage and admins can control various rules related to their total stacked coverage.

Feature Breakdown:​

• Profile Linking: Uniblox links an applicant's profile using their email or employee ID provided through any channel - census, SSO, or public link.
• In-Force Coverage: As the applicant applies for additional coverage, Uniblox's coverage page shows their current in-force coverage for full transparency.
• Rules for Stacked Products: Reflexive questions and other rules can be implemented by the admin given an applicant's total coverage.

Profile Linking​

Uniblox links together user profiles to enable stacked product functionality. For public links, Uniblox's welcome page supports an email login feature so the applicant profile and any existing coverage can be correctly identified for stacked products. SSO and census channels provide an even more streamlined linkage of profiles based on employee ID.

In-Force Coverage​

On the coverage page, Uniblox displays any in-force coverage that the applicant has been approved for in the past. In this way, an applicant can validate in real-time their in-force coverage, additional coverage, and total coverage that they are applying for, which increases transparency and trust in the buying journey.

Rules for Stacked Products​

Admins can add custom rules for stacked products. For example, in the UniWrite engine, "applied coverage" represents the additional coverage the applicant is applying for, and "total coverage" represents the sum of applied coverage and in-force coverage for a particular stacked product. From these data types, an admin can configure many custom rules for stacked products such as varying SI/GI limits, reflexive UniWrite questions, and more.

Turning on Stacked Products​

Stacked products can be enabled on the group level by setting "Include InForce Coverage" to "true" in any group's configuration on Uniblox. Each stacked product can have their own unique configuration for attributes like policy effective date and premiums.

Conclusion​

Transparency increases trust and confidence in the buying process. Uniblox's ability to handle stacked products with in-force coverage allows applicants, groups, and carriers to communicate total coverage and stacked product rules clearly with each other and establish trust and confidence at scale.

Uniblox is excited to announce a native integration with Workday - providing robust SSO, return decision functionality, and seamless data exchange with one of the world's most prestigious and widely used HR platforms. This integration offers significant advantages to carriers, brokers, employers, and employees alike. Here’s what it means for each:

• Carriers: Faster decision-making, improved compliance, and reduced administrative burden.
• Brokers: Access to a vast network of Workday tenants, streamlined processes, and increased participation rates.
• Employers: Automated, real-time syncing of benefits decisions without manual intervention.
• Employees: A seamless, user-friendly enrollment experience with pre-filled applications and same-day decision capabilities.

Workday and the Connected Employee Experience​

Workday is used by more than 60% of the Fortune 500 and is itself a member of the Fortune 500 list. Uniblox's robust integration with Workday enables carriers and brokers to access this wide-reaching distribution channel for group benefits, automating the enrollment experience for all stakeholders involved.

Key Features of Uniblox’s Workday Integration​

Here’s a summary of the key capabilities Uniblox offers through its integration with Workday:

• Seamless SSO for Insurance Applications: Effortlessly link employees to pre-filled applications.
• Pre-filled Applications: Use Workday's RaaS (Reports-as-a-Service) functionality to retrieve employee data in real-time, streamlining the application process.
• Compliance-Focused Spouse Experience: Ensure spouses have a smooth, independent application process while staying compliant.
• Real-Time Return Decision Syncing: Push decisions back to Workday automatically, avoiding manual errors.
• Same-Day Decision Capabilities: Employees can apply, receive a decision, and finalize everything in one day.

Workday SSO Integration​

With Uniblox, carriers and brokers can present employees within Workday a task to complete an insurance application. Within this task, an SSO link is provided that magically links the employee to a pre-filled application with cross-platform compatibility. This seamless experience adds tremendous value to your voluntary benefits experience and can dramatically improve participation rates and overall satisfaction with your policy holders. Moreover, this integration gives you immediate access to large Workday tenants who may only choose to work with carriers and brokers with a native Workday SSO integration. Uniblox's integration with Workday is currently built upon SAML Version 2.0 connection with a unique utilization of Workday's RaaS (Reports-as-a-Service) functionality, ensuring real-time, accurate data retrieval that’s always up-to-date. This level of integration not only streamlines the process but also reduces errors, saving time and enhancing the overall user experience for both carriers and employees.

Workday Spouse Experience​

The spouse experience can be extremely challenging when considering insurance applications tied to an employer group. Connecting a spouse too closely to employees' applications can lead to unnecessary friction for employees to finalize and submit their applications, and can cause a carrier or broker to fall out of compliance if an employee is signing their spouse's medical questions. With Uniblox, carriers and brokers can have an impactful spouse experience connected to Workday while maintaining compliance. To do so, Uniblox has developed a creative solution that automatically contacts and follows up with spouses via email to complete a pre-filled application from Workday's RaaS functionality. In this way, carriers and brokers can maintain an automated, robust spouse experience while also staying compliant by having spouses complete and sign their own medical information.

Workday Return Decision​

Uniblox automatically pushes return decisions back to Workday via API. This feature keeps large Workday tenants’ benefit elections in sync at scale, eliminating manual, error-prone tasks. Workday tenants absolutely love this feature and will often avoid working with carriers and brokers who do not provide this option due to the large scale that they have to operate with. Additionally, Uniblox provides support to automatically email applicants the status of their decision from the carrier so that they have both email and Workday confirmation that their application has been processed successfully. On top of that, Uniblox can also power same-day decisions, so that an employee can apply, receive an auto-adjudicated decision from Uniblox, and verify their election within Workday all within the same day.

Uniblox's Magic - Multi-Channel Support and Premium Consumer Experiences​

Uniblox is dedicated to creating and maintaining magical experiences for all of our stakeholders. Our integration with Workday goes beyond automation—it empowers carriers, brokers, employers, and employees by reducing complexity, enhancing trust, and making the benefits process effortless. We are honored to partner with one of the world's largest HR platforms to ensure that everyone can experience the magic of connected, reliable, and automated processes that just work. By simplifying benefits enrollment and creating transparency, we’re not just saving time—we’re improving access to life-changing insurance products at scale.

Ready to experience the magic for yourself? Contact us today for a demo and see how Uniblox’s Workday integration can streamline your benefits processes and elevate employee satisfaction.

The Game of Telephone​

For carriers, insurance applications can sometimes be like playing a dangerous game of telephone. Let's take voluntary group life insurance as an example. During this process, a BenAdmin system may get the applicant's intent of what type of insurance they want to apply for and how much coverage they would like. However, this intent can quickly get muddled and changed as the information is tossed across third-party vendors, and by the time the information comes back to the BenAdmin system could be totally changed, miscalculated, or worse - removed altogether.

This creates a sticky problem for insurance brokers and carriers who must rely on data accuracy for their businesses to flourish, especially as products like group voluntary insurance continue to become more popular. Here, speed and accuracy become the cornerstones of business growth and can only be accomplished with reliable and fast data exchanges powered by a central source of truth.

Inaccurate data is a problem that Uniblox simply does not tolerate, and at the core Uniblox removes this scattered game of telephone by becoming a central source of truth for insurance carriers. Let's dive into the details of how this works on a granular level for voluntary group insurance products that require EOI.

Step 1: The Applicant's Intent​

An applicant's intent is traditionally broken into two simple parts: what kind of insurance product do they want to apply for, and how much coverage they want. These two key pieces of information must be maintained throughout the EOI process for the carrier to adequately assess risk and provide the right decision and coverage.

While this initial intent seems fairly straightforward, there is actually a third component that is often missed throughout the industry and creates a huge loss for insurance carriers: deadlines. An applicant's true desire is to purchase a certain amount of coverage of a certain product before their enrollment period expires. In reality, many applicants in a group context simply don't understand or remember exactly when their enrollment deadline is.

This early stage is where Uniblox uniquely steps in to make sure the applicant's intent is honored. How is this done? Uniblox provides robust automation tools for reminding applicants to apply for their insurance products before the deadline. With 100% email deliverability at scale, Uniblox ensures that applicants are aware of their enrollment deadline and can complete their applications on time.

Step 2: Connecting to the Application​

Many employees and spouses struggle with how to access their group insurance applications. While we live in an age of technology and online-powered applications, this does not necessarily mean that applications have become easier to access. With complicated login portals, confusing credentials, and outdated links, simply accessing the right application for their intended purpose can be a headache for applicants in a group setting.

Enter Uniblox's magic link. Uniblox empowers applicants to quickly access their applications from their inbox or through BenAdmin SSO links with no additional steps. Simply clicking a button allows a user to enter into the right product with the right state form and the right information pre-loaded for them. Uniblox even allows carriers to lock-down pre-loaded coverages so information is never out-of-sync with a BenAdmin election. With Uniblox, both the applicant and the carrier can be confident that the correct form is being filled out from the beginning.

Step 3: Completing the Application​

Just because an applicant starts the right application does not mean that they finish the right one, or at all. Uniblox's powerful data analytics allows carriers to understand which sections may be blocking the completion of the application so forms can be refined over time. Moreover, Uniblox's robust email service sends intelligently-timed reminders with a magic link that automatically opens their application from where they left off. This allows the applicant to quickly finish the correct application, rather than starting and stopping many different applications and completing none of them.

Step 4: Electronic Data Transfers​

After an application is completed, the game of telephone becomes even more dangerous. Carriers traditionally have numerous third-party or disjointed systems that are all trying to receive the application data in various formats. Both manual and automated processes can be fraught with errors due to the complexity of all the connections that must be maintained.

Uniblox is dedicated to being the central source of truth for submitted applications and maintains active connections with all required carrier systems that need to receive the application data and status. In addition, Uniblox has the capability to alert brokers, group admins, applicants, and BenAdmin systems that an application is received so that all systems remain in-sync with one another and no data is lost.

Step 5: The Decision​

Group insurance applications can sometimes remain in an underwriting backlog for long periods of time, especially during peak season. These delays sometimes cause applications to be lost or canceled if too long of a period passes between status updates for an application. Uniblox has configurable auto-adjudication rules that can greatly decrease the need for manual underwriting and can also relay the status of an application at all times so that no application gets lost before a decision is made.

Once a decision is made, Uniblox updates the status of the applications across all connected systems, so that all systems including the BenAdmin system remains in-sync with the application decision and there is no confusion when it comes to billing.

Step 6: Informing the Applicant​

This is where the game of telephone circles all the way back to the original applicant. The applicant can only hope that their original intent was accomplished, and that their desired coverage and product were processed correctly by all systems so they can be confident of the real value of insurance - that they are officially covered and can take care of themselves and their families in times of need.

That is why Uniblox's core mission is directed towards providing a premium customer experience to the end applicant. Immediately when a decision is made on an application, Uniblox informs the applicant, and as the central source of truth gives all parties the security and reliability that the original intent of the applicant was received, processed, and delivered in a timely fashion. With Uniblox, carriers and brokers can put the game of telephone behind them and focus on business growth and reliability for all.

Uniblox is excited to announce its native integration with Selerix - providing both SSO and return decision capabilities to all of our users.

The Power of Integrated Experiences​

Uniblox's partnership with Selerix provides an enhanced, integrated experience for both applicants and admins. This integration enables a seamless workflow for employees to access their EOI applications straight from their Selerix dashboard with many of the questions pre-populated from their existing data. Admins can also enjoy the benefit and ease of establishing a native Uniblox plugin connection within their Selerix admin portal.

Selerix SSO Integration​

Uniblox's SSO integration goes beyond a simple login service and includes enhanced capabilities like data migration from Selerix to Uniblox that pre-populates applicant questions for the most seamless experience possible. This pre-populated data can reduce time to submission to a matter of minutes - an incredible result that can only be accomplished with a robust technical integration like the one between Uniblox and Selerix. Moreover, benefit amounts are automatically synced between the two systems and passed directly to the carrier to avoid any administrative errors or the need for manual intervention.

More technically, the SSO integration is built on the OpenID Connect (OIDC) protocol, a modern authentication protocol tailored for web and mobile applications. OIDC utilizes modern security practices and standards and works efficiently across a variety of platforms and touch points.

Selerix Return Decision Integration​

Uniblox and Selerix's partnership extends end-to-end to deliver premium admin capabilities like automated return decisions that feed the carrier's decision back into Selerix's platform. This avoids manual administrative work and compounding errors. For auto-adjudicated EOI submissions, for example, an employee could fill out their application in a few minutes and receive a decision in their Selerix dashboard within the same day. With this much power and automation, carriers utilizing Uniblox can easily grow and scale their group load across BenAdmin systems like Selerix while delivering a premium, efficient consumer experience that will delight their clients.

Enhanced Industry Standards​

As the insurance industry moves forward into a more interoperable future, Uniblox is committed to complying with and enhancing new industry standards like the LIMRA Data Exchange (LDEx) Standards. These set of rules have been designed to facilitate digital communication between carriers and BenAdmin systems. Uniblox is proud to have implemented LDEx's Version 1.1.2022.12.31 with its partnership with Selerix. These enhanced standards help to upgrade the industry as a whole and is something Uniblox is committed to promoting with all of its partners.

Uniblox's Magic - Premium Experiences at Every Touch Point​

The magic of Uniblox does not stop there. As a modern ecommerce brand, Uniblox understands the power of premium experiences at every touch point in a consumer's buying journey. Not only will carriers and brokers be able to take advantage of robust integrations like the one between Uniblox and Selerix, but they will also be able to utilize Uniblox's omni-channel strategies to further enhance the consumer experience and overall participation. For example, Uniblox's email service will automatically remind and follow-up with applicants who have entered the buying journey by partially filling out their EOI application. Like other premium ecommerce checkout experiences, Uniblox provides the ability for applicants to complete their applications on any form factor - mobile, tablet, desktop, and beyond.

With well-maintained, out-of-the-box integrations and partnerships like the one between Uniblox and Selerix, carriers and brokers can create modern, integrated experiences to boost participation and satisfaction. Uniblox is proud to deliver on these premium experiences to further our mission as a modern ecommerce platform that carriers and brokers can utilize to quickly and efficiently grow their business.

Uniblox is excited to announce its robust integration with bswift - providing both SSO and return decision capabilities to all of our customers.

Criticality of Vendor Integrations​

Consumer Experience​

Having a disjointed experience by segregating an employee's core enrollment flow from an EOI application lead to many employees "falling through the cracks" and ultimately not completing their voluntary election. Ecommerce 101 says to meet consumers where they're at at the time they want to purchase a product. Why does insurance need to be any different? By building robust technology integrations with BenAdmin systems, we can create experiences that are highly impactful to boost employee participation. Most notably, having the ability to complete an EOI application directly from their BenAdmin system, as well as having many questions pre-filled.

Automation and Speed​

Automating core workflows greatly improves the speed and accuracy of insurance elections which improves operational efficiency as well as overall participation rates. Having any such time delay or discrepancy between expressing interest in purchasing an insurance product and receiving the proper application to do so has been a constant frustration across the industry. With advanced integrations powering automated workflows, the time delay and mistakes are greatly reduced leading to more efficient and profitable business operations in the long run. Integrations also reduce the amount of "manually syncing" that is required between the policy admin system and the BenAdmin system.

bswift SSO Integration​

Uniblox is excited to announce its robust SSO integration with bswift. Employees and spouses can directly access a unique, pre-filled EOI experience by clicking a secure SSO SAML link within their bswift dashboard. In a matter of seconds, EOI information is securely passed from bswift to Uniblox's application experience so users don't have to repeat any of their existing information. After filling out any remaining questions, its even possible to receive an immediate decision on their EOI using Uniblox's built-in auto-adjudication technology. Uniblox and bswift are constantly evolving and updating this integration to work with all use-cases, which means our clients can enjoy an always-on experience without having to have a dedicated IT team to handle any complex technological integration issues that could arise.

bswift Return Decision Integration​

Uniblox is also excited to announce its robust return decision integration with bswift. This means that an insurance carrier's policy admin system and bswift can auto-sync with each other on a daily basis. This auto-syncing capability dramatically reduces manual errors associated with systems being out of sync with one another over time, leading to confusion and frustration across the ecosystem. Like with SSO, Uniblox is dedicated to continuously evolve and update this return decision integration so it always "just works!"

Uniblox's Magic - A Proprietary Omni-Channel Toolkit​

But Uniblox does not stop there. A true Ecommerce experience is all about a robust omni-channel strategy to drive maximum participation. Uniblox is dedicated to providing our clients the option to use our proprietary omni-channel strategies to boost participation and operational efficiency. What does this look like? In addition to an out-of-the-box two-way integration with bswift and other vendors, our clients can also "turn-on" some of our proprietary levers that continue to engage employees and spouses to complete their insurance applications. These omni-channel levers include, but are not limited to, out-of-the box SSO integrations with leading BenAdmin systems, intelligently-driven follow-up emails, text messaging capabilities, and more!

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.