Connecting two WorldsWaldenburger Versicherung

Waldenburger Tarifrechner Desktop Step 1

We have been supporting Waldenburger Versicherung for many years with specific software solutions on the web that go beyond the traditional website. For example, we were commissioned to redesign their rate calculator - a solution that is accessible to both end customers and brokers.

Business Application Development User Experience Design User Interface Design

Waldenburger Tarifrechner Desktop und Mobile nebeneinander

Personal. Reliable. High-performance: Anyone who needs liability, property and accident insurance is in good hands with Waldenburger Versicherung AG. As a subsidiary of the Würth Group, it specializes in insuring trading companies, craft businesses and small and medium-sized production companies. But private customers can also rely on Waldenburger Versicherung - thanks to good products, good service and continuously optimized digital solutions.

Challenge: A flexible tariff calculator for all target groups

When developing the new tariff calculator, the challenge was to take into account the complexity of both mobile and desktop delivery while creating a modern, maintenance-friendly architecture. The aim was to optimize the product development cycles and enable quick adjustments in the event of tariff changes and new products.

Another important aspect was the early involvement of the two different core target groups in the design. Depending on whether users access the rate calculator directly as insurance customers or as insurance brokers via the broker portal, accessibility and use should differ.

Requirements: Integration, automation and user-friendliness

There were several key requirements for the new rate calculator:

Integration: the rate calculator was to be integrated not only on the website, but also in the newly established broker portal and in the sales partners' portals. It was crucial that the services for calculating tariffs, preparing quotes and issuing policies could also be reused within the Waldenburg infrastructure.
Automation: A fully automated process was needed to send recorded data and quotes to the backend via various interfaces. This process runs automatically from the quotation and rate information to the e-mail dispatch of the policy. The backend is the single source of truth in order to avoid redundancies and ensure data consistency.
User-friendliness: Usability was to be significantly improved on all output channels - both on mobile devices and on the desktop version. The aim was to make it easy, quick and fun for users to calculate the right tariff.

These requirements were implemented in accordance with the VAIT specifications in order to maintain regulatory standards and create a scalable solution.

Optimized user interfaces for different target groups

For end customers: Simple and clear

Whether end customers are customers of brokers or direct customers of the Waldenburger Versicherung, we have designed the rate calculator in such a way that the individual steps are clearly structured for users and the input fields are limited to the essentials. We used a single-column layout and designed intuitive user flows. This ensures fast, focused rate calculation without unnecessary scrolling.

For brokers and sales partners: everything at a glance

For brokers and sales partners, we have adapted the form so that it offers a scroll-down function with which all input fields are visible at a glance. This allows experienced users, such as sales partners, to maintain a clear overview despite the extensive input options.

Waldenburger Tarifrechner Desktop Step 3

For all users: Clarity and transparency

What unites the user experience of both core target groups: The form fields are provided with clear labels, and intelligent error management ensures that incorrect entries are marked immediately. Progress in the form is displayed at all times, giving users more control and transparency – regardless of the device they are using.

Waldenburger Tarifrechner mobile Screen Zahlungsart

Technology: Modular structure based on Oracle APEX

For the technical implementation of the tariff calculator, we use ICIS, a standard software system for insurance companies based on a modern Oracle database architecture. With Oracle APEX, we used a flexible low-code framework that enabled us to develop the user interfaces quickly and integrate them into Waldenburger Versicherung's existing infrastructure.

Frontend: Next.js and customized adaptations

The user interface of the rate calculator is based on Next.js and a UI component library that was adapted to the corporate design of Waldenburger Versicherung. Sales partners can flexibly integrate the rate calculator directly into their websites via an iFrame and customize it thanks to color and layout customization options.

Waldenburger Tarifrechner Skizze Architektur Geschäftslogik

Architecture: Business logic with interlinked services

The business logic of the tariff calculator was developed on the basis of modern object-oriented software development and an event-driven architecture (EDA) with CQRS and event sourcing. Three central services were implemented to meet the business requirements of Waldenburger Versicherung:

Premium Calculation for calculating insurance premiums
Quotation for the creation of offers
Contracting for the creation of applications in dark processing

A key component of the architecture is the close integration of the developed services with the existing web services architecture. This integration ensures that the new services are also available for other business-critical applications. For example, the PDF generation service can be used in various services with the help of templates, as can the tariff calculator, which is used for dark processing.

The entire business logic is secured by automated unit tests, which enables continuous assurance of functionality.

Backend for flexible integration and data management

The backend of the tariff calculator uses Backend For Frontend (BFF) services, which act as an interface between the frontends and the microservices. This architecture enables the simple connection of additional user interfaces such as APIs or mobile native clients.

Oracle APEX , a low-code platform that enables the rapid development of CRUD applications, is used to manage master data and configurations. This is used to maintain data such as broker information or specific configuration settings. Oracle was deliberately not integrated into the business logic of the tariff calculator.

The Oracle database serves as a central storage location for Waldenburger Versicherung's product, sales, partner and master data, which is seamlessly integrated into the rate calculator. The ICIS policy management system forms the basis for this and represents considerable added value for the application, as it provides a consistent and reliable database.

The result: a modular, future-proof solution

By using Oracle APEX and a clearly structured architecture, we have succeeded in developing a modular solution that makes optimum use of the advantages of modern technologies. Waldenburger Versicherung can now react quickly to changes and continuously develop its rate calculator to meet the needs of its users.

A look into the future of digital insurance products

Overall, we have developed a solution for the Waldenburger tariff calculator that not only meets technical requirements, but also optimizes the user experience. By combining old and new technologies and integrating the various target groups, we were able to create a flexible and future-proof architecture.

With our in-depth understanding of business processes in the financial services sector and our expertise in UI & UX, we look forward to continuing to support Waldenburger Versicherung with product revisions or further innovations in the future. And thus further merging the worlds of innovative insurance products and digital solutions.