From Broker to Builder
How Onesurance is rewriting the future of insurance distribution -- built by insiders, proven in the market, scaling across Europe.
It started with a single question. Not in a boardroom, but from practice: what if you applied advanced AI to one of the most traditional industries in the world? That question set a quiet revolution in motion -- driven by frustration with outdated models, fuelled by deep domain expertise, and aimed at one goal: making the broker stronger.
I was one of them myself
Jack Vos knows insurance intermediaries from the inside -- because he was one. By thirty, he had built his own brokerage and scaled it into a thriving business. But after fifteen years, he felt the friction of a model that had not fundamentally changed in decades. When he saw fully digital players entering the sector, the conclusion was clear: this is the direction. And I want to help shape that future.
That is how he met Dennie van den Biggelaar, a product strategist who had built intelligent customer journeys for brands like Coca-Cola and Samsung using AI. Together, they saw a sharp and urgent gap: retail had embraced predictive data and automation. Insurance distribution had barely started.
From gut feeling to precision at scale
Most insurance intermediaries were flying blind, says Dennie. Thousands of clients, but no real-time insight into who needs what, when, or why. Everything ran on experience and instinct. Onesurance turned that model around. By transforming client data into a strategic asset and layering predictive AI on top, brokers gain the ability to act proactively and with precision.
No more waiting for the phone to ring. The Onesurance platform signals which clients deserve attention, when, and with which solution -- so the broker can act as a relevant, timely and trusted adviser.
Why brokers? A strategic choice
Where most AI startups approach the large insurers, Onesurance deliberately focused on brokers. Not the obvious route -- until you understand the market. Insurers develop the products, but brokers distribute them. They own the client relationship. They deliver the advice. They are the commercial engine of the insurance value chain.
The Netherlands is a global leader in this regard. The MGA+ model has given brokers more autonomy, more control over underwriting, and more negotiating power in the chain. That shift -- from pure distribution to delegated authority -- makes the Dutch market the ideal starting point for Onesurance. A home market where brokers operate more as portfolio managers than as intermediaries, and where data-driven decision-making is not a luxury but a necessity.
Beyond technology
Onesurance's ambition goes beyond a more efficient broker. It is about making high-quality financial advice accessible to people who previously did not receive it. About embedding responsible AI -- not as an afterthought, but as a foundation. And about redefining how insurance is advised, underwritten and experienced.
Even the name Onesurance reflects that conviction -- a reference to the U2 lyric: "We're one, but we're not the same. We get to carry each other." A quiet mission, rooted in partnership over disruption, in technology that empowers the people it serves.