# Positive

> Software company for insurance brokers and financial intermediaries in Slovakia

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Bratislava, Slovakia |
| Founded | 2005 |
| Stage | Established |
| Funding | Bootstrapped |

## Overview

Positive is a Bratislava-based software provider for insurance brokers and financial intermediaries in Slovakia, building tools that automate contract management, commission processing, and multi-carrier product comparison for the non-life and life insurance market. The company positions itself explicitly as a software vendor rather than a broker or agent.

The product line spans a broker back-office system (ICM2) for contract, client, and commission management; a multi-insurer comparison and quote engine (MultiKalkulacka) covering non-life products; a life insurance comparison tool (Positive Life); an identity-verification product (PositiveID) built for AML compliance; a single sign-on layer (Positive Access Point) for accessing multiple insurer and bank systems; and a data API that consolidates insurer data for downstream broker software.

Positive reports close to 100 licensed financial-services companies in Slovakia as clients and describes generating close to 250,000 paperless insurance contract proposals in 2022, representing roughly EUR 22 million in premium. UNIQA is a named integration partner, connected through Positive's SSO layer and non-life aggregator feed.

## Products & services

### ICM2 \(Broker Information System\)

Back-office platform for insurance brokers and financial intermediaries that manages client and contract records, agent/broker team structures, and commission calculation and reconciliation across partner insurers. Also offered as a standalone product at icm2.sk.

**Key features:**

- Client and policy record management
- Agent and broker team/hierarchy management
- Commission calculation and reconciliation with partner insurers
- Connectivity to other broker information systems

*Target users:* Insurance brokers and financial intermediaries

### MultiKalkulacka

Multi-carrier non-life insurance comparison and aggregation tool that lets agents and brokers compare offers across insurers and complete a policy purchase online, including auto-fill of vehicle data and in-app premium payment.

**Key features:**

- Product comparison across multiple non\-life insurers
- Auto\-fill of vehicle data from license plate or VIN
- Online confirmation of the financial\-intermediation record
- In\-app premium payment by gateway or QR code

*Target users:* Insurance agents and brokers

### Positive Life

Analytics tool for financial agents that compares risk life insurance offers, generates a premium calculation for custom or recommended coverage amounts, and produces a PDF sales proposal summarizing pros and cons per product.

*Target users:* Financial agents selling life insurance

### PositiveID

Identity-verification tool built for anti-money-laundering compliance, covering remote identity verification, liveness checks, sanctions- and politically-exposed-person-list screening, and identity document validation.

*Target users:* Brokers and financial intermediaries subject to AML requirements

### Positive Access Point

Single sign-on layer that lets agents log into multiple insurer and bank systems with one set of credentials.

*Target users:* Agents and brokers working across multiple carrier systems

### Central Data API

Web-service layer that collects and consolidates data from insurers' systems and exposes it via API to downstream broker software.

*Target users:* Broker software platforms, including Positive's own products

### Klient Online

Cloud-based client portal giving policyholders access to documentation for their financial products, with parallel cloud-based file access for brokers and agents.

*Target users:* Policyholders, brokers, agents

## Category & focus

- Subcategories: Agency/broker management, commission automation, multi\-carrier comparison and quoting
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity
- Target customers: Brokers, Agents/Agencies, MGAs/MGUs

## Notable customers

- Union zdravotna poistovna \(Union health insurance company\)
- ANDERSON a\.s\.
- C&C Insurance service, s\.r\.o\.
- Agropoistenie s\.r\.o\.

*\~100 licensed financial\-services clients in Slovakia*

## Links

- Website: <https://www.positive.sk>
- Directory profile: <https://insurtechlist.com/companies/positive/>
- Careers: <https://positive.sk/joby>
- Linkedin: <https://sk.linkedin.com/company/positive-sk>
- Press/news: <https://drive.google.com/drive/folders/1wQJLoeS6pvRbPr-krLad4LxIertiShB5?usp=share_link>
- Multikalkulacka: <https://www.kalkulackaonline.sk/>
- Icm2 product site: <https://www.icm2.sk/>

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*Last updated: 2026\-08\-09*