The majority of Insurance Companies prosecute several aims, one of the most important objectives is promoting clients loyalty and achieving that its policyholders turn into integral Clients of its Portfolios of assurances. It is claimed that obtaining a policyholder, for example, the assurance of the vehicle, assuring also the habitual housing and/or the trade, the life insurances, the pension plans, the assurance of the second housing, the assurances of accidents. That is to say, getting the Patrimonial Assurances and the Personal Assurances of each Client. It reports balance and safety in its Portfolios of business.

The insurance companies realize big disbursements and it undertakes campaigns of sales prosecuting this aim, but it is necessary to them to consider an aspect of influence that the desirable results would help them to obtain.

The idea that we contribute is that they should put into practice the Integral Client Account, (I.C. A.) that consists of opening for every policyholder a number of Account Client where he could integrate all the assurances and numbers of policies contracted by the policyholder under his NIF or CIF, prosecuting with it different advantages both for the Insurance Companies and for its Clients:

CLIENTS' BENEFITS

1) The insurance company can offer monthly collections of all the I.C.A by monthly stated premium. According to this, we should avoid the economical disorder produced by the expensive insurance annual premium, especially in family and SMEs economies.
2) The insurance company can offer discounts depending on the number of policies contracted in the Client Account (I.C.A.). (2 policies 2%, 3 policies 3%, 4 policies 4%, 5 policies 5%.)
3) Clients can fix a monthly payment, as the water, energy, or phone payments, what defers the whole amount of the policies.

INSURANCE COMPANIES' BENEFITS
1) Foster clients' loyalty, achieving that its policyholders turn into integral Clients contracting all the personal and patrimonial assurances.
2) Portfolios of assurances keep the proportion of the different kinds of assurances.
3) Get more benefits and more economic and financial balance.
4) The Client lists become more stable and certain.

We consider the idea must be adopted by the insurance company knowing the client list and the policies growth.

This payment system must not be used with the whole client lists, but with the new clients. To be an integral Client you must have at least and insurance in the company, and add a new one. In this case you will be added in the C.C.I.

This method communicates calmness, sureness and the real insurance company interest in its clients. "We are not just worried about you calmness, your insurances, or your pension plans. We also are worried about your economical situation, that´s why we have created the Integral Client Account, to reward your loyalty and to avoid your bid headache each time you have to pay your insurance. The same monthly instalments during the 12 moths, so don't worry about them. We will look after your insurances, with the best professional assistance."