Branded Product Launch
Insurers, mutuals, MGAs and brokers can bring their insurance products into OY and launch them through a ready digital customer journey, while maintaining their product and brand identity.
OY BY SEMURG
One Hub for Insurance Distribution
OY App is a connected digital environment for organising and managing insurance distribution — bringing products, partners, agents, customers and distribution data together in one application.
Build and manage your distribution network without fragmented channels, disconnected systems or unnecessary manual processes.
One app. Your product. Your customers.
- Permanent Connection
- Customer Purchase
- Renewals and Referrals
- Product Launch
A Connected Route to Market
Launch. Distribute. Manage. Scale.
OY is an application for organising and managing insurance distribution in one digital environment.
Product providers can launch and manage insurance products, offers, partners, agents and distribution data from one hub. Partners and agents use OY to distribute products, while customers can get quotes, buy cover and manage their policies directly in the App.
Sales, customers, renewals, referrals and commissions remain connected and visible as the network grows — making distribution easier to manage and scale.
Capabilities
A distribution model that keeps working after the first sale
Partners bring the product. Agents distribute it. Customers buy and manage their cover in the App. Renewals and referrals keep the network active and continue to generate income.
Agent Distribution
Agents distribute the product through unique QR codes and connected customer networks.
Every customer remains permanently linked to the agent who introduced them.
Purchase and Policy Management
Customers can receive a quote, pay, access policy documents and manage their cover through the App.
Straightforward cases receive an AI-assisted quote, while complex cases are referred for expert review.
Renewals, Referrals and Commission
Partners and agents receive commission from sales generated through their network.
Renewals, additional products and referrals can continue to generate income while every customer remains connected to the original agent and network.
Lifetime Value
An asset with lifetime income potential
OY helps insurance MGAs, partners and agents build a connected customer network rather than a collection of one-off sales.
Every customer can continue to generate activity through renewals, additional products and referrals.
01 — Permanent Connection from the First Purchase
Every customer introduced through the network remains connected to the partner or agent who brought them in.
The customer becomes part of the original network from the first purchase.
02 — Income Beyond the First Sale
Partners and agents can earn commission from direct sales and eligible transactions generated through their customer network.
The value of each customer is not limited to the first policy purchase.
03 — Renewals, New Products and Referrals
Renewals, additional products and customer referrals can create further activity and income from the existing network.
Every client can also become a new point of distribution.
04 — One View of the Network
Partners and agents can view their customers, network activity, upcoming renewals, commission breakdown and payout information through a connected dashboard.
The network remains visible and manageable as it grows.
One Connected Distribution Network
One application. Three ways to create value
OY connects the insurance MGA, its distribution network and the customer in one application.
Insurance MGA
- Brings a unique insurance product into OY and gains access to a shared customer base.
- Every customer generated by the product remains connected to the MGA’s distribution network.
Partners and Agents
- Distribute the product through unique links and QR codes.
- They receive commission from sales, renewals and eligible activity generated through their customer network.
Customers
- Receive a quote, pay, access policy documents and manage their cover in the App.
- Customers can renew, buy additional products and introduce new clients through referrals.
One product. One connected network. Every customer stays linked to the source that brought them in.