Cases | 17 min read
Case Study: How Insurance Programmers Helped Lift RVOS Insurance to New and Profitable Digital Heights
How Insurance Programmers Helped Lift RVOS Insurance to New and Profitable Digital Heights
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For any company to experience continued success, especially post-pandemic, its presence and navigation on the internet is an irrefutably critical factor. How a service engages with an online audience is everything, and insurance companies need to speak the language, too. The percentage of consumers who preferred purchasing insurance online grew from 17% to 29% over the time period from 2011 to 2020 [https://www.limra.com/en/newsroom/news-releases/2020/2020-insurance-barometer-study-reveals-a-significant-decline-in-life-insurance-ownership-over-the-past-decade/], and the numbers are only growing. This evidence shows the role the world wide web and technology play in obtaining insurance is inevitable and calls for preparation and even eager anticipation.
You might think insurance and software development make an unlikely pair, but the insurance programmers at Cadabra Studio were responsible for activating an entire phase of fresh new customer reach when they took on RVOS Farm Mutual Insurance Company as a client. While some insurance companies remain offline, relying on a loyal customer base, the ones that branch out into the digital sphere will truly survive the test of time.
As recently as 2019, [https://www.forbes.com/sites/blakemorgan/2019/12/16/100-stats-on-digital-transformation-and-customer-experience/?sh=4e76eb883bf3] 70% of companies either have a digital transformation strategy in place or are working on one. Additionally, American companies were expected to spend a whopping 2 trillion dollars on digital transformation that year alone. These numbers have only grown exponentially over the past few years, emphasizing the significant role of Cadabra Studio’s software development in the insurance industry.
The RVOS Farm Mutual Insurance Company has grown over the span of more than one hundred years since its inception. Thanks to Cadabra Studio’s insurance programmers, its reach has continued to grow using a high-end online customer portal, stronger service, better engagement, and updates that ensure greater overall efficiency. Here are the details of how the two companies worked together to develop and implement this new business strategy that would change the face of RVOS’s future, setting them up for another one hundred years of success.
The Problem: An Offline Insurance Company in a Digital World
RVOS Insurance provides a reputable, high-quality service known and relied upon by a loyal customer base. However, the boom of technology and digital engagement today requires even successful offline agencies to think far ahead, evolving and adapting to meet the needs of today’s and tomorrow’s consumers. Insurance companies do survive offline, but inevitably find themselves vulnerable and insecure against the backdrop of a digitally expanding world. As the technological boom keeps resounding through the century, any company that wants to stay afloat needs to be included in that wave of digital connectivity.
There is a clear need for well-established companies to acknowledge the landscape of digital mediums and remain relevant in a relentlessly technological age. Branching out online in an increasingly saturated market would serve to reassert the company’s position as a formidable insurance company.
Bringing a Legacy of Success into the Digital Future
Located in Texas, RVOS Insurance specializes in property and farm insurance, helping customers protect their homes, farms, ranches and other personal property. Purchasing a house or a commercial business building is a significant investment, and RVOS provides the security and reassurance that American property owners need in case of calamity. While the company enjoys a customer base built over the last several decades, the need of the hour was a customer portal that helps users everywhere resolve their insurance-related issues online. This means greater engagement between the company and its customers, faster results and greater satisfaction experienced by users. It also results in reaching a whole segment of consumers who prefer online transactions.
Two specific problem areas that the customer portal would help resolve were recognized by the managers of RVOS Insurance. First was the company’s need to throw a wider net in terms of reach. Older audiences may continue on, but in order to reach the younger segment and connect with millennials in a future that is exclusively digital, the company would have to rethink its strategy.
Secondly, and equally as important, was the need for tools that improved workflow and efficiency among its salesforce of insurance agents. The simple digitization of tasks and communication channels would effectively shorten the time taken for agents to perform a multitude of services and for consumers to benefit from them.
Taking a service like insurance online requires a reimagining of the flow of RVOS’s insurance business. The insurance programmers need to consider all possible problem areas and solutions that employees and customers could face during use of the app, optimize efficiency and keep errors to a minimum. The result is a piece of programming architecture that caters directly to consumer needs and company goals, aiming to please both.
Catering to Customers’ Needs with Data Analysis is Good for Business
The online space inhabited by a customer portal would include a very valuable data mine of customer information. Accessing this data provided by consumers and analyzing consumer behavior would also mean that staff could make more educated decisions and improve sales and growth through effective targeting. It would create a digital record of the company’s growth, taking aspects such as profit, engagement, and task efficiency to be instantly calculable. This also creates a means of tracking the company’s trajectory. Altogether, Cadabra Studio’s insurance programmers took a multifaceted approach that helps the company realize its potential in the digital world.
What RVOS Insurance was in dire need of was a specialized and customized online customer portal. Lacking in-house IT specialists, RVOS turned to the insurance programmers at Cadabra Studio to bridge the gap between their new vision and its fruition - through UI/UX Design, which prioritizes the live experience users have while interacting with the interface of the app.
The Solution: An Intuitive, Efficient and Effective Customer Portal
The insurance programmers at Cadabra Studio were instrumental in constructing the bridge that would help RVOS Insurance cross the digital divide and reach its goals as a company. Their solution involved a close inspection of where the company saw itself in the future in terms of optimum reach and relevance. This included consideration for everything from efficient design to creating tools that ensure greater customer engagement.
The programmers made it their goal to enliven the features of the app with the above ideas in mind, using a nuanced understanding of the sensitive relationship between the customer and the service. Not only does RVOS Insurance offer home, building and life insurance, but it also offers an experience that keeps the customer returning for continued support and guidance.
Intelligent, Fast, Simplified and Efficient: What Cadabra Studio’s Insurance Programmers Brought to The Table
The Harvard Business Review says it best in its take on the untapped digital opportunity that many insurance companies do not fully realize they can access. In their analysis, we find that online audiences leave behind information that can be monitored and used not only for improved service to customers, but also to help insurance companies refine their targets when it comes to setting prices, underwriting policies, and effectively managing claims. It also provides companies subtle ways to cross-sell, upsell and improve retention of their current customer base.
Insurance processes often involve a series of exchanges between agents and clients, resulting in complex product configurations. Through portal programming, this correspondence and refinement takes on a much smoother, faster, and more attractive flow. A positive side effect of a more efficient user interface is an improvement in user engagement and, by extension, profits.
Cadabra Studio’s top-tier services sought to simplify the insurance process through complex and intelligent programming. Deliberately planned programs such as these can result in lower expenses of up to 65% and a 90% reduction in critical process completion time. It can also improve conversation rates by more than 20%. [https://hbr.org/2014/03/insurance-companies-untapped-digital-opportunity]
Through superior design, users experience better success managing their needs and requirements on an online dashboard of their own. The process of acquiring insurance would essentially be converted into one that is attractive, enticing and easy to use.
On-Demand Insurance Services Meet the Needs of Busy Customers
The insurance programmers at Cadabra Studio were also able to show merit in a customer portal that doesn’t require office house. This web access led to a 24/7 connection to the RVOS brand. This kind of efficiency and availability between customer and company also inspires brand closeness, potentially making users feel like they are part of an ever-present insurance community and support system. They no longer need to wait until Monday or until 8:00 am the next morning to reach an agent. With the online portal, they can often find the support they need in a matter of minutes.
The software was made downloadable, instantly transcending distance through virtual design, making it possible for every customer to access and troubleshoot their insurance issues from anywhere on any device. This aspect goes hand-in-hand with the online chat, allowing consumers to participate in discussions with agents that are more convenient and better standardized than offline engagement can often be. Users would also be able to access their payment history and monitor all exchanges.
The portal was designed for the modern self-sufficient consumer to effectively complete tasks on the go and enjoy greater control and management over their coverage and claims. This also means receiving instant customer support while still maintaining a comfortable virtual distance that the more tech-savvy millennials can appreciate. The insurance programmers behind the portal also prioritized optimum responsiveness from the software, featuring design UI/UX design that helps promotes better connection with users. However, a significant amount of hard work went into breathing life into these ideas.
The Detailed Thought Process, Diligent Testing and Artistic Design Behind the Methods of the Insurance Programmers
Software development and programming can take years to reach the pinnacle of effectiveness. This is why so many sites and software applications release an upgrade so frequently. The RVOS customer portal took a year and a half to build for its initial release. Like a piece of architecture whose building blocks constantly move with dexterity and intuitiveness, it continues to be improved and updated.
Functionality of Design That Works Across Multiple Platforms
The software was designed in the beginning in terms of technical specifications, which detailed the functional aspects of the project. The team included a front-end and back-end developer from Cadabra Studio, two back-end developers from RVOS Insurance, as well as a DevOps engineer, whose job is to manage the software development life cycle from coding and deployment to maintenance and updates. The manual and automation Quality Assurance engineers also helped assess the software by implementing quality management stategies. All these specialists needed to work together as a cohesive team to facilitate a rapidly evolving process of software development. The team also had to take into account and plan for development across native iOS, Android and cross-platform apps, being mindful of responsiveness, device adaptability, and fluency in different programming languages.
A Seek and Destroy Mission to Eliminate Software Bugs
The insurance programmers were not without their challenges in the lengthy creation process. Bugs that were not detected by QA engineers in the testing server showed up later, but were nevertheless put to rest by the engineers through smoke testing. This was essentially a series of tests that ensure that the product’s primary functions are working as smoothly and accurately as initially envisioned.
Every version of the software had to be tracked by the team via Jia Tracking System to avoid overlaps and repeated mistakes. In addition to this, the portal required detailed manual testing by the engineers to ensure that the coding was not bogged down by bugs. This was a longer, more energy-intensive process than automated testing, but it was worth the effort. Project managers worked tirelessly to rally the team to execute assigned programming tasks despite the challenges of team members working remotely.
The development team at Cadabra Studio used PHP language with Symfony framework for the back-end and React library for the front-end. Oracle and MySQL were used as database management systems; other support tools like Majesco, Web Services, Mercure, Paperwise and Active Directory were also employed. These tools help support the developmental phase by, for example, providing ways of transforming and innovating processes using cloud-native technology that caters to digitally savvy clientele.
A Portal Intuitively Designed with the End User in Mind
From the viewpoint of the user who is browsing through the portal interface, the result was a personal, unified account with all the necessary information in one place. The customer management dashboard offers easy billing and payment, agent interaction and accessibility, policies, documents, claims and FAQs. The user is encouraged to navigate through a series of virtual tools and stages that make all things insurance feel straightforward, hassle-free and solvable, using the comprehensive dashboard as a kick-off point.
The design work put into creating the portal was given high priority. Managers and insurance programmers at Cadabra Studio understand the value of visual appeal and intuitive function. The RVOS Insurance app adopts an intelligent design that is simple, elegant and sleek. It is fast-moving and responsive but also follows brand style guidelines. The team combined brilliant visuals with form and function, with a strong eye for the details. From the color palette to typography, illustrations, icons, sidebar and button placements, thoughtful logo use and visual branding, consumer appeal was at the forefront of every decision.
This kind of attention to every component of the process to create innovative and intuitive software gives a company a competitive advantage according to the Harvard Business Review [https://hbr.org/2014/11/how-smart-connected-products-are-transforming-competition]. This advantage over competitors is based on OE or operational effectiveness, which prioritizes best practices at every step. This includes staying on top of production innovation and technology as well as continual improvement in soft skills like sales and management techniques. Greater connectivity also allows the user to feel total autonomy and control and ensures a greater sense of security.
The creation of an online insurance portal is more than just setting up a transaction space. It takes many layers of brushstrokes to create a fully vibrant, functional and dynamic picture that keeps improving upon itself. These insurance programmers will help insurance take its place among other formerly routine offline tasks like paying household bills or purchasing movie tickets. All these tasks have now been simplified and streamlined through digitization. Cadabra Studio, in this sense, has managed to convert the potentially mundane into an engaging, satisfying and user-friendly experience.
The Result: Improved Customer Engagement and Staff Workflow Efficiency
The modern consumer is not a patient one. They want to see and feel the service instantly, navigate seamlessly, and be able to make quick decisions. The design of your online portal’s interface is critical. It needs to send the right message without missing a beat and respond intelligently and timely to the consumer’s needs. An important question worth considering in the path to company growth and progress is what is the outcome of eighteen months’ worth of focused software engineering and problem solving? It all boils down to a simple equation that involves the customer and the insurance agent and their mutual desire for a secure, reliable, and connected future.
The User Total Experience: Empowering Tech-Savvy Customers
Screens dominate the field of vision for today’s consumers. These may be their phone, tablet, smart TV, laptop or desktop computer. It stands to reason, then, that visuals and design play a significant role in making a company’s brand and service achieve an aura of relevance and adaptability. The use of Cadabra Studio’s signature bright, modern and clean user interface with careful placement of elements for easy navigation and enthusiastic user access is testament to a dedication to connect with and draw in the user.
The RVOS portal begins decidedly with the customer at their dashboard, empowering the user in their pursuit of controlling and navigating their insurance tasks with ease. “Today’s customers demand to be more than satisfied with your price to be loyal,” begins a 2020 analysis on brand loyalty in the modern day [https://www.inc.com/martin-zwilling/six-strategies-for-building-exceptional-brand-loyalty.html]. “The customer needs to remember their ‘total experience’ as one that stands out – starting with how easy it was to find you, simplicity of the transaction, and superior service. They want to be your real advocate to others.” The insurance programmers at Cadabra Studio seem to have a clear understanding of this principle, demonstrated by the way in which their design reaches consumers.
The modern user is more discerning, more inclined to stay loyal to apps that translate well to different devices, and allow the user’s prerogative to take center stage. Insurance programmers play a key role in making this experience possible, and potentially in defining the tone that appeals to consumers en masse. RVOS Insurance users receive a positive, memorable total experience. With 4,000 online customer registrations and counting, their customer portal by Cadabra Studio has a prosperous present and promising future, casting that wider net of reach that RVOS Insurance first set out to do.
The Effect on Staff: How Attention to Detail by Cadabra Studio’s Insurance Programmers Impacts Insurance Agents
As a result of all the hard work put in by programmers, developers and designers to anticipate and troubleshoot problems in the customer portal, RVOS staff is experiencing an improved and more efficient workflow. RVOS Insurance employees now have an interface that makes communication with customers that much easier. Agents are able to track their engagements with consumers, monitor tasks, communicate skillfully, and grow as employees under a system that is designed in their favor.
The positive impact of good programming on an insurance company staff is multidimensional. The fact that software and strategy are on the side of the staff as well as the customer can also help boost overall company morale and inspire employee loyalty, providing some tangible assurance when it comes to turnaround and job security. A full-fledged interactive dashboard and online chat plugin can empower the average staff member to take total control of their own workflow and be a key player in determining their future in the company and the industry. It also eases the workflow burden, making their phone ring less and requiring less manual effort, yet still being able to provide top-tier service to customers.
The Future of Insurance: Bright, Fast & Responsive
We live in a fast-moving digital era, with a future guaranteed to include even more technology. The time between the consumer’s impulse and the service received is shortening to almost a blip. It is this prospect that is available to insurance companies, and rather than be intimidated by it, insurance programmers can provide you with the tools to embrace it in all its glory.
Companies growing in a post-pandemic world, from start-ups to large corporations, are transforming themselves into digital beasts, adept on various screens, social media platforms and apps. RVOS Insurance and Cadabra Studio are a part of that large tapestry, woven together to form a smarter, more connected future. A customer portal - a responsive, user-friendly point of interaction – is critical to reaching a wide, engaged audience that continues to grow based on how effective the portal is. Not only does the app try to help customers make smart and fast insurance decisions, but it also places RVOS Insurance on the map in the digital market. It is a direct response to a need expressed by thousands of Americans, who require insurance for their properties each year.
As our everyday lifestyle and work tasks take on a virtual nature, it is essential to remain open to the vast and exciting world that software development and insurance programmers can open up for companies, both new and old. After all, software development in all its stages seeks to merely be an empathetic facilitator, a guiding arm, in helping a business achieve its most effective form. Insurance companies have everything to gain from such a collaboration, as their services are transmuted into the digital realm by capable hands, such as those at Cadabra Studio.
Going from Good for Today to Great for Tomorrow
RVOS Insurance may have been an American farm insurance company with a long legacy and an already dedicated clientele, but with Cadabra Studio’s insurance programmers it has become so much more. Software engineering has lent its brand an air of versatility, approachability and global connectivity. Through programming, the insurance company was able to translate its purpose and value into visual form, and achieve set goals from customer engagement to employee efficiency, improving time, customer reach and profit margins.
Through intelligent team coordination, superior design and coding knowledge, the software development team works hand in hand with the insurance company’s priorities, helping its products and services more attractive to customers. With keen attention to the needs of the modern technologically engulfed user, these insurance programmers combine speed and style with functionality and purpose. The programmer’s role in this sense goes beyond just transaction and coding and attempts to acknowledge and show a deeper understanding of the insurance industry itself and its target market.
The positive feedback received from users since the RVOS Insurance app was launched shows just how well technology can bridge the gaps that exist between vision and reality and between goals and implementation. What is perhaps most heartening about the collaboration is that, in the technological spirit of things, it remains sustainable and continues to thrive as an ongoing partnership. Cadabra Studio plans to release a new update of the RVOS Insurance customer portal as developers are still on it, with a desire to keep raising the bar and enhancing the user experience.