Sweet Garden: enhancing efficiency and simplifying customer experiences in banking and insurance.

It is summer, and at Zelros by Earnix, we are opening the doors to our new secret garden. With our release Sweet Garden, we are reinforcing our mission: to simplify the daily life of insurance providers, while improving customer experience and compliance. Two key new features to discover: a specialized agent for general conditions, and a powerful evolution of the Magic Question. Happy reading!   

#1 – Say goodbye to the terms and conditions nightmare 

It is no secret to anyone: the general conditions are a real headache. Dense, technical, and sometimes ambiguous, they nonetheless contain essential information about guarantees, exclusions, and the insured’s obligations. A misinterpretation can quickly lead to risky shortcuts or even errors with serious consequences.  
It is to meet this challenge that Zelros has developed an agent specialized in reading and understanding insurance policy terms. 

🔍 Insurance producers & banking advisors: According to McKinsey, up to 1.8 hours per day are spent searching for information. For an advisor, exploring general conditions is a time-consuming task with little added value. It is not only a matter of skill but also complexity: an insurer can generate dozens of policies for a single product, including successive versions, amendments, options, or deductibles. In this context, finding the right document, verifying coverage, or validating a claim becomes a real challenge. This overload leads to frequent errors, including using the wrong source, shortcuts in information, and the omission of details, or transferring the case to an expert center, resulting in slower, more expensive service and a degraded customer experience.  

💻 On the policyholder / direct-to-consumer digital side: clients want quick and accurate access to information, with self-service responses such as: “Am I covered in case of…?”, “What is my deductible on this claim…?”. The customer’s general condition is automatically linked to their profile, and the responses are instant, reliable, and do not require mobilizing teams.  

🌟  Why Zelros? Why is this new feature different from a basic RAG (Retrieval-Augmented Generation)? 

Natural conversational responses 

• Version disambiguation, for direct access to the right policy document 
• Understanding over the whole document, and not only small chunks 
• Reasoning, providing complete transparency on the context and hypothesis of the outcome 

✨ The results: 
✅ +15% productivity for customer service teams 
✅ Faster, safer decisions 
✅ Less stress for advisors 
✅ More time for customers, better satisfaction 

#2 – Magic Question just got smarter! 

We introduced our needs discovery and KYC collection module during our last product release.  Good news: we are taking it even further! 

In a context where personalization becomes key, standard forms are no longer sufficient. To better understand needs, assess risks, and ensure compliance, advisors must ask the right questions… but they still need to know which ones.  

Often, due to a lack of time or appropriate tools, this step is neglected. KYC information is not collected, weak signals go unnoticed, and sales or loyalty opportunities are lost. According to the Insurance Argus, 62% of dissatisfied customers point to a lack of responsiveness in their interactions.  

🔍 For insurance producers and financial advisors: From the client record, the agent is suggested, in real time, the most relevant questions to ask, based on the profile, the context of the call, and the data already available. At the end of the conversation? They can initiate a quick needs assessment. At the beginning of auto-enrollment? They are guided to avoid friction points. And, of course, the agent is notified by an alert if any regulatory KYC information is missing. In this context, every opportunity is detected and optimized. Magic Question identifies key signals and transforms them into a personalized discovery journey. At a glance, the agent visualizes the products to propose and finds inspiration for presenting them. They can focus on their core expertise — advising — while improving their skills with each meeting, and increasing efficiency over time.

🌟 Why Zelros?  

It is not a simple form; Zelros intelligently prioritizes questions based on the context and the client’s needs. It combines need discovery, risk analysis, and KYC compliance in a single interface.  

✨ The results: 
✅ Stay compliant by efficiently capturing mandatory data. 
✅ Qualify risks with tailored client profiling.
✅ Uncover opportunities and discover your clients’ needs with intelligent, personalized discovery questions that adapt to each client.

In conclusion 

With Sweet Garden, Zelros helps you cultivate a faster, smarter, and more seamless insurance experience for both your customers and your teams. 

So, are you ready to grow the insurance of tomorrow?