Empower your financial institution with embedded personal insurance

Deliver trusted insurance experiences to your customers

Your customers trust you for financial guidance. Now, extend that trust to protection with the advantage of your own agency. VIU by HUB makes insurance timely, relevant and seamless — combining digital convenience with expert, unbiased guidance across top carriers. We partner alongside your teams to meet customers at high-intent lifecycle moments like loan origination; insurance becomes a natural extension of the journey rather than a separate step.

• Seamless access – Customers can quote, purchase and manage policies in a fast, digital experience and connect with licensed agents for support.
• Choice and guidance – Working with a broker, you give customers access to 50+ top-rated carriers nationwide, along with neutral advice to find the right fit.
• Deeper relationships –Insurance moves you from transactional to continuous engagement, adding relevance beyond lending moments and increasing products per customer.

Add more value while growing fee income

Embedded insurance is the #1 driver of new fee income for financial institutions, growing at a 30%+ CAGR. It is the kind of fee income that holds when other lines do not: non-cyclical, annuitizing and not rate sensitive. Customers buy insurance every year regardless of the rate or housing environment, and policies renew annually so your book compounds without re-origination. VIU by HUB makes it easy to capture this annual purchase: reduce drop-off, deepen customer relationships and grow non-interest rate sensitive income with zero capital allocation and no balance sheet risk.