--- title: "Consulting for insurance companies and brokers | Stage" description: "Consulting for insurance companies: operations, journeys and systems for insurers and brokers. Cases with Chubb, Marsh and Wiz, from issuance to portals." url: "https://stage.consulting/en/industrias/seguros" lang: en updated: 2026-10-26 publisher: Stage Consulting --- 1. [Home](https://stage.consulting/en) 2. [Industries](https://stage.consulting/en/industrias) 3. Insurance Industry ยท Insurance # More efficient insurance, from quote to policy. Consulting for insurance companies: we redesign operating models, policy issuance processes and digital journeys for insurers, brokers and insurtechs. Strategy, data and technology with the same team, from diagnosis to implementation. [Talk to an expert](https://stage.consulting/en/contato?setor=seguros) [See cases](https://stage.consulting/en/industrias/seguros#cases) Updated on October 26, 2026 In short ## Consulting for insurance companies Stage is a Brazilian strategy, experience and technology consultancy. In insurance, we work with **insurers, brokers and distribution platforms** on three fronts: operational efficiency (operating model, processes and capacity), broker and policyholder experience (portals, journeys and customer service) and technology (integrations, automation, data and AI). Every project starts with an immersion in the operation: interviews, shadowing and measurement of times and volumes. It ends with the change implemented, whether a new policy issuance flow, a portal or a regional structure. We have done this in operations spanning from one to 11 countries at once. Clients in the sector : Chubb, Marsh, Mercer Marsh Benefits, Wiz and Optinsure Project types : TOM, Lean, capacity, spin-off, portals, Salesforce and actuarial data lake Scope : Brazil and Latin America, with projects spanning up to 11 countries Market context ## The insurance market in numbers Recent public data that helps explain the pressures on the sector. **R$ 764.5 bn** collected by the insurance sector in 2025 (insurance, pensions, capitalization bonds and private healthcare), up 1.8%. Source: [CNseg, Mar 2026](https://cqcs.com.br/noticia/setor-segurador-arrecada-mais-de-r-760-bilhoes-em-2025/) **R$ 223.3 bn** in property and casualty and life insurance premiums in 2025, a nominal increase of 7.8% over 2024. Source: [SUSEP, Bulletin Dec 2025](https://www.gov.br/susep/pt-br/central-de-conteudos/dados-estatisticos/relatorios-de-analise-e-acompanhamento-dos-mercados-supervisionados-1/anos/BoletimSusepDezembro2025.pdf) **6.0% of GDP** is the sector's share in 2025, down from 6.4% in 2024. Source: [CNseg, Conjuntura no. 132, Apr 2026](https://sindsegsc.org.br/arquivo/publicacao/122/documento/conjuntura_cnseg_132___abril_2026.pdf) **29% and 17%** is the insurance coverage of the vehicle fleet and of homes: most assets remain unprotected. Source: [CNseg, Jul 2026](https://cqcs.com.br/noticia/levantamento-inedito-da-cnseg-revela-quem-e-o-consumidor-de-seguros-no-brasil-e-aponta-baixa-cobertura-entre-familias/) The market has 157 insurers (SUSEP, Aug 2026) and more than 165 thousand active broker registrations (SUSEP Panel, via CQCS). Public data accessed in October 2026. Challenges we solve ## Where Stage usually comes in. Recurring problems in the sector and how we tackle each one, with strategy, experience, technology and data. Challenge 01 ### Slow issuance and rework across departments Requests pass through many hands, documents are duplicated and brokers cannot see the status. We redesign the flow with Lean, assign owners and automate documents. Lean Processes Automation Challenge 02 ### A structure out of step with volume We measure times and volumes by activity and calculate the ideal capacity for each department, with initiatives prioritized by FTE freed up. Capacity Right size TOM Challenge 03 ### A different operation in each country or unit We designed a common target operating model, with global processes, a service catalog and an implementation roadmap by country. TOM Governance Latin America Challenge 04 ### Brokers and policyholders stuck with email and spreadsheets Self-service portals, insurer integrations and CRM flows so that quoting, issuance and renewal run without friction. Portals Integrations Salesforce Challenge 05 ### Actuarial data scattered across spreadsheets A data lake connected to legacy systems, with layered processing and real-time visualization for closing and analysis. Data Data lake BI Challenge 06 ### New businesses, spin-offs and mergers From value proposition to separation PMO: governance, processes, culture and structure so the new operation starts running smoothly. Spin-off PMO M&A Stage cases ## Cases in insurance. Real projects, with the numbers measured in each one. [All insurance cases](https://stage.consulting/en/cases#seguros) Chubb Insurance Strategy Technology ### Lean issuance: fewer steps from quote to policy We redesigned the issuance process with Lean and Agile: fewer areas involved, a single process owner, a single invoice to the broker and automation of the quote letter and policy specification. Mercer Marsh Benefits Insurance Strategy Data and AI ### One operating model for 11 Latin American countries We harmonized the regional operation based on the TOM and global processes: a new model by client segment, a right size calculator, a service catalog, a roadmap by country and the new structure implemented in Mappu. Wiz Insurance Experience Technology ### Client portal for policies, renewals and new insurance For Wiz Corporate, the group's B2B arm, we created the portal where companies view policies, renew and purchase insurance, plus Salesforce flows and integrations for the sales and operations teams. Marsh Insurance Strategy Data and AI ### Optimal capacity for operations, claims and fiduciary (P&C) Benchmark with four brokers, shadowing with analysts and time measurement to define each area's capacity and a roadmap of initiatives by impact and effort. Optinsure Insurance Strategy M&A and finance ### Spin-off of AON's middle market portfolio We supported the creation of Optinsure from strategy to operation: value proposition, spin-off governance and PMO, mission and culture, processes and a new organizational structure. Marsh Insurance Strategy Technology ### Simplified Placement Center: manual tasks moved out of sales We mapped Portfolio Solutions, Multinational and Retail to move operational activities to hubs, and automated the assembly of the Property comparison chart. > Quality of delivery and clarity in information sharing, deadlines and subject knowledge. **Luciano Santos** P&C Vice President, Chubb Project: Lean: operational transformation of quoting and policy issuance > Commitment to delivery and quality. Excellent support and professionalism. **Bruno Amorim Campos** COO LAC, Mercer Marsh Benefits Project: New operating model and operations transformation in Latin America How we can help ## What we bring to insurance. Four practices that work together, from diagnostics to operation. 01 ### Strategy and operations - Target Operating Model (TOM) - Lean in quoting and issuance - Capacity and right size - Spin-offs, M&A and PMI [See Strategy](https://stage.consulting/en/estrategia) 02 ### Experience - Broker and policyholder journey - Self-service portals - Service model (service center) - Customer research [See Experience](https://stage.consulting/en/experiencia) 03 ### Technology - Insurer integrations and APIs - Salesforce and CRMs - Document automation and RPA - Web and mobile portals [See Technology](https://stage.consulting/en/tecnologia) 04 ### Data and AI - Actuarial data lake - Capacity and SLA dashboards - AI document reading - Process mapping in Mappu [See Stage Solutions](https://stage.consulting/en/solucoes) Distribution and experience Insurance ## Protection that reaches more people Only 29% of vehicles and 17% of homes are insured, according to CNseg. Closing this gap requires simpler products, digital distribution and brokers with better tools. That is where strategy, experience and technology need to move together. [Talk to the team](https://stage.consulting/en/contato?setor=seguros) How we work ## A typical project, phase by phase. The same method as our operating model projects, scaled to the size of the challenge. 1. Phase 01 ### Immersion 4โ€“5 weeks Interviews, shadowing, SIPOC and operational data to understand the current scenario and measure times and volumes. 2. Phase 02 ### Concept and validation 6โ€“7 weeks Target operating model, value chain, org chart and to-be processes, validated with leadership. 3. Phase 03 ### Gap analysis and roadmap 4โ€“5 weeks Gap between current and target state, right size calculator and a prioritized implementation roadmap. 4. Phase 04 ### Implementation 6+ weeks Wave follow-up, training, support materials and adjustments until the change sticks. FAQ ## Frequently asked questions about insurance ### What is a TOM (Target Operating Model) in insurance? It is the design of the target operating model: which activities each department performs, with how many people, in which systems and with which metrics. At Stage, the TOM combines three pillars: Right Model (frictionless processes), Right Size (a structure without idle capacity) and Right People (the right profiles for each role). ### How long does an operational efficiency project take? A typical cycle has four phases: immersion (4 to 5 weeks), design and validation (6 to 7), gap analysis and roadmap (4 to 5) and implementation (6 weeks or more). Multinational projects, such as Mercer Marsh Benefits in 11 countries, take longer. ### Does Stage work with brokers or only with insurers? Both. Our cases include a global insurer (Chubb), global brokers (Marsh and Mercer Marsh Benefits), a distribution platform (Wiz) and the creation of a brokerage through a spin-off (Optinsure). ### Do you implement the technology or only recommend it? We implement. The same team that designs the process builds portals, insurer integrations, automations and Salesforce customizations, and supports the rollout until the change holds. ### How does Stage measure results? We set the baseline during the immersion (time per activity, volume, FTE and SLA) and compare it after implementation. The metrics are agreed with the client at the start of the project. Other industries ## See also. [All industries](https://stage.consulting/en/industrias) [Industry ### Healthcare Strategy, health plan e-commerce, enrollment systems and brand for health plan operators and healthtechs. See industry](https://stage.consulting/en/industrias/saude)[Industry ### Education Student and teacher journeys, portals, ERP, training apps and AI-powered edtechs. See industry](https://stage.consulting/en/industrias/educacao)[Industry ### Financial services New financial products, credit score, risk, processes and platforms for banks and fintechs. See industry](https://stage.consulting/en/industrias/financeiro) Together, we build ## Let's talk about your insurance operation Tell us where the bottleneck is: issuance, capacity, customer service or technology. We show you where to start and what can be measured. [Talk to an expert](https://stage.consulting/en/contato?setor=seguros)