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Insurance

Challenges We Help You Overcome

We’ve spent 20+ years working with insurance companies. We know what digital challenges you face and how to deliver the best results.

Differentiation is hard when your product looks like everyone else’s.

Competing on price leads nowhere. Embedded services and digital add-ons create real, visible value.

Data exists, but systems don’t talk.

Legacy infrastructure isn’t the problem. Lack of integration is. Smart workflows unlock scale.

AI sounds promising, but where’s the payoff?

Without clear, applied use cases, it becomes a cost center. Start with triage, automation, and claims intelligence.

Sales channels are saturated, and digital feels underwhelming.

Traditional distribution is maxed out. Embedded and employer-based models reach customers where trust already exists.

We Know Insurance

Dr. Armin Höll-Steier

Partner

With 20+ years in the industry, Dr. Armin Höll-Steier brings hands-on experience from both sides of the table, leading consulting and tech teams, and building digital sales models at CHECK24.

Where Impact is Made

Not every initiative needs a five-year roadmap. But the right levers, applied with clarity and speed, change everything.

Modernize sales. Build models that convert.

We help insurers modernize. From embedded coverage to smarter broker support, we build models that match how today and tomorrow’s customers expect to engage with insurance.

“We’re rethinking distribution—but we need models that actually convert.”

  • Embedded insurance at the point of need, checkout, services, and platforms
  • Offer insurance as a workplace benefit, not a cold pitch
  • Broker enablement with sharper tools and data
  • Online and hybrid sales models that deliver real results

Streamline the value chain. Cut the friction

We simplify core processes across the entire insurance lifecycle. Less admin. More automation. Clearer workflows that deliver speed and stability.

“Our systems aren’t broken, but nothing flows.”

  • Lead generation, policy creation, admin, and updating policy changes
  • Claims triage and resolution, streamlined from intake to closure
  • Automation and AI that remove friction and reduce costs
  • Workflow optimisation without overhauling your core systems

Make AI practical. Deliver real results

We help you bring intelligence to the right parts of your business, where it supports teams, streamlines decisions, and scales with confidence.

“We’re not chasing the hype. We just want AI that works.”

  • Actionable insights for underwriters and brokers
  • Workflows that respond instantly to data and events
  • Automation of repetitive tasks, with human oversight built in
  • Insights & data that automate policy updates for each customer

Santander Turbo Certificate Platform

Success you can measure

83% of Poland’s structured-product turnover comes from Turbo certificates
Santander wanted to help investors in Poland navigate high-risk structured products with more confidence. We built a digital platform that lets users learn about, analyse, and invest in Turbo Certificates within a single, seamless flow.
Read Full Story
santander

Get to Know our Team

Munich

Dr. Armin Höll-Steier

Partner

As a partner at DevelopX, Armin advises clients primarily in the financial services and insurance sectors. His areas of focus include digital product development, customer journey development, sales and the application of AI in digital workflows. Prior to joining DevelopX, Armin was CEO of CHECK24 Versicherungsservice and had management roles at the top strategy consulting firms Bain & Company and Boston Consulting Group. He holds a diploma and a doctoral degree in Business Administration and a Master of Business Research from LMU Munich.
Berlin

Lars Krahnstöver

Associate Partner

As an associate partner at DevelopX, Lars supports companies in developing data-driven products and new digital business models. He focuses in particular on the use of AI, scalable platform solutions, and go-to-market strategies in industries such as medtech, logistics, and fintech. His previous positions include zeb Consulting, Horváth & Partners, EY, and Telefónica. Lars holds two master’s degrees in Strategic Entrepreneurship and Business Economics from Erasmus University Rotterdam and the University of Amsterdam.
Hamburg

Michael Hab

Partner

Michael is a Partner at DevelopX with 25+ years in digital transformation, product innovation and venture building. He has led engagements in 20+ international markets, delivering impact across B2B and B2C. At DevelopX, he advises clients on business model and product innovation, scalable platform solutions and digital operating models. Previously, he held leadership roles at Etribes and Accenture/dgroup; earlier roles include B‑LUE Management Consulting and Arthur Andersen. He began his career at a CRM software startup later acquired by SAP. Michael holds a lic. rer. pol. in Management from the University of Fribourg (Switzerland).
Chris Heeg
Hamburg

Chris Heeg

Partner

As a Partner at DevelopX with a strong focus on technology, Chris is responsible for the design, implementation and scaling of complex digital products. He also advises clients on digital transformation and the adoption of emerging technologies such as AI and blockchain.
Before joining DevelopX, Chris was Commercial Lead at freiheit.com and worked as a consultant at firms including Roland Berger and McKinsey & Company. As the CEO & Founder of a mobile fitness app, he brings hands-on entrepreneurial experience. He holds a degree in physics from the Technical University of Munich, which he completed one semester ahead of schedule.

Growth in Insurance isn’t
Luck. It’s Built.

Planned with purpose. Delivered with precision.
Proven in the results.

Ready to rethink what’s possible in insurance?
Let’s talk impact
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