PolySeme by inCube gives back meaning to savings

PolySeme is a digital platform enabling clients to steer their saving contracts based on their life projects. It is not about managing long lists of unit links anymore; it is focused on key moments of the customer’s lifecycle.

Thanks to a simple intuitive interface, the client is able to define and steer his projects.

PolySeme dynamically determines optimal fund allocation, sending management orders directly to the backoffice. The client receives alerts about progress of his projects, he at last appreciates the sense and goal of his savings, and masters them.

The Financial Services industry (banking and insurance) returns to the role and value proposition it should never have left: serving their clients’ projects and being their lifetime partner.

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Our approach

inCube is Jury and Partner of Argus Award for Insurance Innovation 2018

PolySeme

Gives meaning back to savings

Our approach is simple:

Client's life projects are set at the heart of his savings plan thanks to PolySeme and set the ground for a long lasting and efficient relationship with his Advisor.

Here our 5 convictions:

Give the floor to the Customer in the expression of his needs and objectives when defining his Projects, in a simple, intuitive and immediate way.

Offer maximum autonomy to the Client in the day-to-day management of his Projects to reinforce and enhance the Adviser's action in key moments.

Accompany the Client and his Advisor in the easy and regular piloting of Projects by generating alerts when the situation requires - or offers - new directions. Asset allocation is dynamically determined on each Project to adjust to new objectives.

Make PolySeme services available to customers who already have a life insurance policy without any tax novation.

Allow the Client to invite Parents to contribute to the financing of some of his Project, in an innovative intergenerational way.

Let's pilot your projects !

PolySème

“A goal without a plan is just a wish”.

Un but sans plan est juste un souhait

- Antoine de Saint-Exupéry -

Pilotage

Let's pilot your Projects

All your projects are in a unique life insurance policy

PolySeme supports you in the discovery of your projects:

what capital will be needed for this project?

What horizon?

How flexible are you on these goals?

On each Project, what level of risk do you accept to take to reach capital sooner or get more capital?

What level of savings can you mobilize on a regular basis to achieve your goals on these Projects?

These are all questions that we integrate to offer you a clear and realistic vision of the objectives as well as a roadmap and a dynamic asset allocation service to achieve them.

Then, let us guide you in all peace of mind, we will inform you when it is necessary to allow you, with the support of your Advisor, to stay the course and to control the landing of your Projects to the nearest of your expectations.

You can create a new project at any time, transfer savings from one project to another, update your objectives and of course use the capital to carry out your projects.

In PolySeme, nothing is fixed because we know that the Projects that really matter to you are Live Projects.