Insurance Customer Experience Platform

Improve insurance billing, payments, and policyholder communications with one unified customer experience platform.

Increase self-service adoption
Reduce call volume
Improve on-time payments
Strengthen insured and agent communications

Solutions for Insurance

Give your billing operation the efficiency of a revenue lifecycle built for scale. KUBRA's cloud-based e-billing and self-service insurance portal pairs flexible bill presentment and secure payments with personalized communications, self-service tools, back-office visibility, and fraud protection. Available as a fully hosted, turnkey experience or via full API for insurers who want to build and host their own front end.

Deliver secure, mobile-friendly e-bills and statements
Support flexible payment options
Make going paperless and setting up AutoPay quick and flexible
Deliver personalized, branded alerts and notifications
Enable self-service through profile, wallet, and preference management
Allow insureds to consolidate multiple policies under a single customer profile
Equip teams with back-office tools for payments, refunds, and reporting

On-Demand Payments

Insureds shouldn't have to wait until the next billing cycle to pay what they owe. KUBRA's on-demand payment options span digital, in-person, and voice channels, and support one-time guest payments for insureds who aren't enrolled, so anyone can pay quickly and securely without creating an account.

Support multiple payment channels
Provide in-person payment solutions: self-service kiosks, retail cash network, and point of sale
Process payments in real time
Accept flexible payment methods: cash, credit, ACH, PIN-less debit, and digital wallets
Integrate AI across payment channels
Maintain PCI Level 1 compliance with stateless tokenization and encryption

Document Print & Mail

Every policy document and statement carries your brand into policyholders' hands. KUBRA's document production and distribution service keeps that experience polished, accurate, and secure, using highly controlled production environments to sharpen targeted marketing and cut delivery times.

Optimize mail with advanced address hygiene
Manage document templates and composition tools
Deliver targeted, data-driven messaging and marketing
Distribute mail production and delivery across multiple sites
Track production, inventory, and files in real time
Report on compliance across postage, production, and marketing

Document Design

A bill or statement is often the most frequent touchpoint a policyholder has with you. KUBRA's document redesign services turn complex policy documents into something policyholders can actually read and act on, resulting in faster payments, higher satisfaction, and fewer calls to your service center. Our design team partners with you from discovery through a tailored strategy to:

Restructure document layout for better readability and comprehension
Use color strategically to highlight key messages and answer common policyholder questions
Accommodate the needs of specific customer segments, such as vision-impaired insureds
Support a range of fonts, sizes, styles, and images to match your brand

Natural Language, AI-Powered IVR

Turn every call into a faster, smarter path to payment. KUBRA's AI-powered natural language IVR understands what policyholders need in real time, replacing clunky menus and keypad navigation with natural conversation. It securely collects the necessary details and routes callers directly to payment completion, eliminating long call paths and repetitive prompts.

Understand natural speech and caller intent, not just keywords or keypad input
Process payments directly, without transferring to a third-party payment processor
Support one-time, recurring, and scheduled payments across all payables
Track containment, handle time, and payment success with actionable reporting

Policyholder Engagement

Policyholders expect more than a statement in their inbox — they want to feel looked after. KUBRA pairs omni-channel alerts with conversational AI so the right message reaches insureds on the right channel at the right moment, while self-service tools put policy and premium details directly in their hands.

Deliver personalized, omni-channel alerts via SMS, email, voice, mobile push, and smart speakers
Enable natural, two-way conversations powered by AI and machine learning
Automate proactive messaging for billing, claims, and policy updates
Provide account insights to help policyholders understand premiums and coverage
Support compliant messaging aligned to TCPA, CAN-SPAM, and TRACED Act requirements
Give policyholders self-service tools to manage preferences and accounts

Benefits

Our payment processing and customer communications solutions help your insurance company deliver the best policyholder experience possible. Enjoy the benefits of insurance billing and payment technology, communication software, and policyholder management systems from KUBRA, such as:

Increased insured satisfaction

With accessible, convenient insurance payment solutions, customer satisfaction improves.

Reduced cost

Implement KUBRA insurance billing and payment solutions to reduce costs and improve customer experience.

Improved compliance

Customers can choose their communication preferences so you can deliver documents and engage with them in their channels of choice.

From simplifying premium payments to reaching policyholders on the channels they prefer, KUBRA helps you strengthen relationships at every touchpoint. Request a demo to see how our policyholder experience solutions can work for your insurance business.

More Than 365 Clients Choose KUBRA

KUBRA insurance clients include Liberty Mutual, HCSC, and more.

Our Certifications

KUBRA's many PCI certifications.

Request a Demo

Insurance

Insurance Customer Experience Platform

Improve insurance billing, payments, and policyholder communications with one unified customer experience platform.

Solutions for Insurance

Enrolled Bill Presentment & Payments

On-Demand Payments

Document Print & Mail

Document Design

Natural Language, AI-Powered IVR

Policyholder Engagement

Benefits

More Than 365 Clients Choose KUBRA

Our Certifications

Related Resources

Security, Trust, and What’s Next in Utility CX

From Confusion to Confidence: The Bill Redesign Opportunity

5 Payment Experiences Your Customers Already Love (and Expect from You)