Target User

Insurance intermediaries, including corporate and individual


InsPal is a comprehensive, integrated-yet-modular application tailored for insurance intermediaries that deals with all the needs of a modern insurance market.

The design of InsPal is based on many years of insurance experience and insightful user comments. InsPal derives its rich functionality as a leading provider of insurance intermediary solutions.

The InsPal platform opens up a new horizon for the insurance intermediaries and revolutionizes the way to work in the modern insurance market.

The functional architecture of InsPal enables it to be deployed across a variety of scenarios supporting different business functions and roles:

  • As an individual agent to manage and organize his day-to-day information

  • As a corporate intermediary to manage the company performance

  • As a regional director to manage the performance of the team


Key Benefits

  • State-of-the-art Technology. Replace old technologies seamlessly with a software-as-a-serviceweb application

  • Pervasive. Web-based application to create a virtual team anywhere, anytime

  • Single Platform. Replace multiple disparate and legacy systems with a single integrated webapplication across countries

  • Better Customer Service. Build and retain customer relationships based on the focus of CRM

  • Better Producer Support. Producers, no matter in-house or out-sourced, can access his own data.anywhere, anytime, saving redundant administration costs to improve customer services

  • New Marketing Dimension. Opens up multiple new delivery channels (run on any web enabled devices at 7×24) allowing you to reach out to new customers and business

  • Streamline Operations. Integrate the existing enterprise in-house applications to offer a single

  • Paperless Office. Document imaging provide better and more efficient operation

  • Low Initial and Long-term IT Cost. No expensive upfront and on-going hardware investment.
    All hardware, data backup, security and IT support hassles are handled by us. Lower price for much higher volumes without any increases in resources or infrastructure costs. Improve bottom-line andstakeholder rewards

  • Scientific, Organized and Measurable Management. Wtih the CRM module, comes with a richset of MIS and business performance reports, enable you to track the last minute business status

  • Free, On-going Upgrade. While we continue to listen to your needs and improve the software,there is no additional cost for version upgrade

  • Low Risk for Implementation. Free trial available before subscription

Key Features

  • Multi-language, instant switching

  • Multi-company

  • Multi-currency

  • Multiple output channels, e.g. print copy, soft copy, fax, e-mail, SMS

  • Clear view of Key Performance Index (KPI) using built-in Dashboards

  • Leading-edge integration with other web applications, e.g. e-mail, SMS, Instant Messengers

  • Calendars

  • Customer-centric, which offers a single view of the client regardless of the number of insurance types and companies

  • Product based architecture, which allows users to add new policy template based on business needs and utilize common services across all modules

  • Enterprise Data Warehousing capability with a comprehensive set of Business Intelligence Packs built specifically for market analysis such as Prospect Management, Profitability and Marketing Management

  • Sophisticated Security Management System with access control at multiple levels. e.g. Producer can only view his own records

  • Online user manual and live online support

InsPal Mini

Target User

Individual Agents and Referrers


InsPal Mini is a smart phone application (but no need to download or install) that allows an individual agent or referrer to maintain one’s client, quote, policy, claims and document image without depending on support from one’s insurance company


Key Benefits

  • Freedom of information independent of any insurance company

  • Customer-oriented

  • Free (under 50 policy records)

Key Features

  • No need to download or install app

  • Independent of mobile phone application

  • Can store client, provider, quote, policy, renew and claim information

  • Auto-reminder on policy expiry

  • Auto-reminder on client’s birthday or anniversary *

Referral Module 2.0 and IDEC Marketing Plan

Target Market

Insurance intermediaries, preferably brokers, that are accepting referral business from referrers (some of these referrers can be “sensitive”. Examples are those motor insurance brokers that relies heavily on life insurance agents, garage, motor companies, etc., to refer motor insurance business to them.

Business Problem and Opportunity to Address

The world of insurance intermediaries is a mature eco-system and yet fast-changing one.

In the recent year of financial difficulty today, people are eager to earn the last coin from the market. Able to grab hold of these referrers is important to insurance brokers’ business, not to say growth.

On the other hand, with the aging of Hong Kong economy, we are seeing legacy insurance brokers moving out of the market. However, after that many years of establishment, they still want their shares. Therefore it evolves that these veterans only act are “super referrer” and total transfer the business to some young ones to “operate” for them.

  • 敏感人仕?

  • 是否需要幫介紹人團隊計算commission?

  • 代operate 第三方生意

為解決上3個問題, 我們推出了Referral Module 2.0 和 IDEC (InsPal Data Exchange Centre, 『InsPal 數據交換中心』pronounced as i-dec)

The Product

The product is composed of 2 closely related products. There are namely Referral Module 2.0 and IDEC.

Referral Module 2.0 is the successor of Referral Module 1.0. The function is similar but the architecture is totally different. RM20 allows referrers to key in simple data about the client and subject matter and follow up its status until the lower sales cycle, such as policy delivery, payment, commission, and even claims.

And how is information exchanged to the insurance broker (we named it Principal Broker, as it acts like an insurance principal in this case)? The information is exchanged via IDEC (InsPal Data Exchange Centre). IDEC, by its own right, is another product of InsPal, it will becomes a hub for exchanging information on insurance (e.g. policy, claims, clients, payment, etc)


『唇齒相依, 唇亡齒寒』。This is not fair to charge either one party. We will give out RM20 for free. But we will charge for transaction to both the PB and the referrer. The amount is yet to decide. 2.5% or HK$2.5, whichever is the higher is a good estimate.


Initial Penetration

Some brokers are very sensitive. So initially we must sing the song by one by one. This approach, first of all, is to accumulate experience for us to further fine-tune our promotion to this product. Secondly, when group is small, they tend to speak the true feelings and thus can improve on the product.

Despite the importance of this move, we DO NOT have a large budget to launch a big campaign. But at least what we can do is:

  • Update on this product

  • Send mass email (with good and convincing contents) to prospective customers

Also, we will rely very much on LPC to help us to promote this product and build a successful story.

On-going promotion

Perhaps it is too early to talk about this. But it is always good to (i) to the good side, prepare some activities to make it big; (ii) to the bad side, prepare for some worst-case scenario.

Place (Market Channel)


Via PB

On one hand, there will be NO ONE who can sell better than ourselves. One can only refer, but not sell for us. But we have to CLOSE the deal ourselves.

To this end, we have to spell out clearly on what this product is and what are its benefits. 


It gives me the feeling that Referrer Module 2.0 is very much like InsPal Mini, but yet they are not totally identical. Is there a way to integrate them? 


InsPal Reinsurance Edition

Target User




It is a bancassurance software system for banks which also conducts insurance business.

InsPal Underwriter Edition (IUE)

Target User

Insurance companies (GI)



It is a software system for insurance companies.