Developing a future-proof post-sales solution
Credit Life’s business model is strongly partner-driven. From product development and technical integration through to claims processing, the insurance specialist offers end-to-end solutions and serves as an enabler for its partners. This principle also shaped the development of a future-proof post-sales solution. The objective was to provide partner banks with a fully integrated, compliance-compliant, and scalable sales solution for a broad range of insurance concepts.
This strategic decision was validated two years later, when the Future Financing Act introduced a mandatory seven-day period between loan conclusion and RDI contract conclusion, effective January 1, 2025. The previous practice of bundling consumer loans with RDI immediately has since been prohibited. For many market participants, this represented a significant disruption to their business models. For Credit Life, however, it created an opportunity to address the new regulatory framework with a solution that had already fully developed.
Digital transformation and regulatory compliance
Development of the extended post-sales strategy began in 2023 with an analysis of the digital post-sale journey for RDI. This allowed BearingPoint and Credit Life to build a shared understanding of the regulatory requirements and the necessary adjustments at an early stage.
Based on these insights, BearingPoint implemented the BSI Customer Suite and expanded the BSI.CX module, an established platform for automated lead management and digital customer journeys, to serve as the foundation for partner-specific sales workflows. The platform made it possible to connect existing partner systems quickly and configure individual campaign logic flexibly, without extensive custom development.
Through iterative development phases with continuous feedback, the team created fully digital customer journeys that enable personalized customer engagement and individualized pricing. In addition, the team developed a fully automated process for preparing and processing lead data. BearingPoint supported the project across insurance, sales, marketing, IT, and data analytics and provided comprehensive training for all user groups.
Operational excellence through digitalization and automation
By digitizing its post-sales processes for residual debt insurance, Credit Life can offer partner banks a fully integrated end-to-end solution from a single source. Automating lead processing and offer creation significantly reduces manual effort in sales, while integrated pricing engines enable individualized offers in real time. The result is a scalable, data-driven end-to-end model that supports multi-stage, partner-specific campaigns. This resulted in high partner satisfaction and strong conversion rates throughout the post-sales process.
Partner banks also benefit from significantly reduced operational burden in sales, greater planning certainty through automated opt-in/opt-out management, and real-time processing of regulatory waiting periods, both key compliance requirements. From the policyholders’ perspective, the transformation also delivers clear added value: the solution enables flexible processes and a high level of transparency throughout the contract conclusion journey. The project’s quality and innovative nature were recognized with the 2025 Best of Consulting Award in the Financial Services category by Wirtschaftswoche.
Credit Life
For more than 45 years, Credit Life has been a leading specialist in safeguarding payment obligations and operates in Germany and selected European countries. Its business model is centered on the success of its partners and creating added value for their customers. Product design therefore considers not only the business model, sales channel, and target groups but also country- and market-specific characteristics.
Tailored, seamlessly integrated solutions complement financial products and many other offerings, creating added value for business partners and their end customers. Partners benefit from additional products with real customer value, an expanded portfolio, and additional revenue opportunities. Fully integrated operational and technical processes enable flexible, fast, and targeted responses to specific needs. Credit Life primarily insures risks in the areas of mobility, lifestyle, and housing. As a brand of the RheinLand Insurance Group, Credit Life is committed to close, trust-based, and long-term partnerships.
