Business Model

InsureWise Senior offers independent insurance consulting services designed for retirees across the Czech Republic. Our mission is to simplify insurance decisions and ensure clarity, fairness, and long-term confidence.

1. Value Proposition

We provide unbiased, client-centered advice that empowers retirees to choose protection based on understanding, not pressure.

2. Target Clients

  1. Senior citizens seeking to review or update existing insurance plans.
  2. Families assisting parents with insurance and legal documentation.
  3. Organizations offering wellness or retirement support programs.

3. Services

  1. Individual and family insurance consultations.
  2. Policy analysis and comparison across multiple providers.
  3. Long-term advisory programs with periodic reviews.

4. Delivery Channels

  1. Online consultations via video or phone.
  2. In-person meetings in Prague and nearby regions.
  3. Written reports and summaries by email or print.

5. Revenue Structure

Fixed consultation fees and annual advisory packages form the foundation of our model. No commission is received from insurers — preserving full independence.

6. Quality & Review

  1. Each consultation is reviewed internally for completeness and clarity.
  2. We collect feedback from clients to improve our educational materials.
  3. Annual updates reflect changes in Czech insurance regulation.

7. Ethics & Compliance

  1. Strict confidentiality under Czech civil and privacy law.
  2. Conflict-free consulting guaranteed by our non-affiliation policy.
  3. Transparent pricing and written agreements for all engagements.

8. Data Protection

  1. GDPR-compliant handling of all personal and financial information.
  2. Secure digital storage and encryption for all files.
  3. Controlled access limited to authorized consultants.

9. Sustainability

Digital workflows minimize paper waste, while accessible options remain available for clients preferring printed materials.

10. Continuous Improvement

We regularly refine our guidance framework based on evolving insurance law, policy trends, and client feedback. Our goal is constant — clarity and trust at every step.