Positive

Software company for insurance brokers and financial intermediaries in Slovakia

Distribution & Sales Established 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

At a Glance

Founded: 2005
Headquarters: Bratislava, Slovakia
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
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