Insurance and finance consulting
Insurance and finance consulting powered by data analytics and artificial intelligence
We help insurers, insurance brokers and financial institutions turn their data into profit, stay compliant without friction and put AI to work in real processes.
Services
Six areas, one way of working: understand the business, measure it with data and leave the solution up and running.
Data analytics and AI
Portfolio profitability, predictive models for lapses and claims, and AI applied to documents and customer service.
See service → 02Insurance strategy and business
Business model, feasibility plans, portfolio valuation, sales channel and customer loyalty.
See service → 03Digital distribution and online sales
Online insurance sales, websites and apps for intermediaries, and visibility in search engines and AI assistants.
See service → 04Regulatory compliance
Whistleblowing channel (Law 2/2023), data protection, anti-money laundering and management systems.
See service → 05Finance, legal and tax
Corporate finance, accounting, and legal, tax and company law advice for insurance businesses.
See service → 06Training for the sector
Management, sales leadership, compliance, data and AI for insurer and brokerage teams.
See service →Whistleblowing channel
Your whistleblowing channel, ready and compliant with Law 2/2023
In Spain, insurance brokers and agencies must have an internal reporting system whatever their size. Exponent provides its own channel: it receives reports, including anonymous ones, meets the legal deadlines and supports you with every case.
How it works- Anonymous and confidential reports
- Acknowledgement within 7 days and response within 3 months
- Report log and system documentation
- External, independent management
How we work
- 1. AssessmentWe understand the business and define the question to answer.
- 2. DataWe gather and clean your data: policies, premiums, claims, CRM.
- 3. ModelAnalytics, AI models or the action plan, explained and measurable.
- 4. Roll-outWe leave it running and train your team to carry on.
Practical guides
All guides →What does Spain’s Law 2/2023 require from an insurance brokerage?
Who must have a whistleblowing channel in Spain, which deadlines apply and how to set one up in…
Digital distributionWhat does a brokerage need to sell insurance online in Spain?
Legal requirements, purchase journey and channels to sell insurance online without depending on comparison sites.
AnalyticsWhat data does an insurance brokerage need to measure portfolio profitability?
The core indicators to see which lines, insurers and clients make money, and where to get the data.
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Frequently asked questions
What does Exponent do?
Exponent is a Valencia-based consultancy specialising in insurance and finance. It combines sector expertise with data analytics and artificial intelligence to help insurers, insurance brokers and financial institutions become more profitable, sell better and stay compliant.
Which companies do you work with?
Insurers, insurance brokers, managing general agents, agencies and financial institutions. Companies such as Zurich, AXA, DKV, Reale, ARAG, Plus Ultra, Seguros Bilbao, Santalucía, Catalana Occidente, Lagun Aro, MGS and CaixaBank have worked with us.
Do you offer a whistleblowing channel as a service?
Yes. Exponent provides its own whistleblowing channel to brokers, agencies and companies under Spanish Law 2/2023: it receives reports, including anonymous ones, and supports the company in handling each case.
What do I need to start a data or AI project?
A business question and access to the data you already have. In the initial assessment we review what can be done with it and propose a pilot with a fixed scope and timeline.
Where are you based?
At Calle de la Industria, 22, 46022 València, Spain. We work with clients across Spain.
Tell us your challenge
We reply within one working day.
Calle de la Industria, 22 · 46022 València, Spain
+34 963 318 766 · info@exponent.es