Digital Growth Leverage existing online and partner channels to scale digital acquisition. With an online presence and partner network, there is an opportunity to optimize Google Ads campaigns, improve landing pages, and streamline the online quote to bind journey to boost online conversions and reduce CAC.

Mid Market Growth Mid market position presents cross selling opportunities across life, health, property and commercial lines. Develop bundled products for SMEs and higher value policies, supported by targeted campaigns and a simplified renewal path to raise ARPU and retention.

Tech Modernization Technology modernization can unlock faster underwriting and claims handling. Propose CRM integration, API based product engine, and seamless data exchange with partners to shorten quote times, improve customer experience and lower servicing costs.

Competitive Differentiation Differentiate through customer experience and digital self service in a competitive Romanian market. Invest in self service portals, quick quotes, and streamlined onboarding; explore bancassurance and strategic partnerships to expand distribution and win share.

Partnership Acceleration Partnership driven growth aligns with current distribution via offices and commercial partners. Target banks, fintechs and corporate clients for co branded products and channel partnerships; provide partner enablement resources and joint marketing to grow reach.