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Homepage zuehlke.com

Insurance

LV= turns crisis into advantage with agile product development

We helped LV= create an MVP for a blended retirement solution in just 7 months, allowing the company to get a head start over rivals, establish market dominance, and fully integrate agile practices across the organisation.

Agile product development team
  • Fully-functioning solution delivered in 7 months

  • LV= brings to market a seamless suite of IFA offerings, one year ahead of competitors

  • Zühlke collaboration translates business needs into technical solutions

Finding opportunity during a crisis

LV= is a UK-based insurance company that serves 5.7 million customers with a range of financial products. In 2014, the company faced unprecedented uncertainty when the rules governing UK pensions changed, plunging the financial services industry into turmoil.

The Chancellor of the Exchequer announced that people would no longer be required to buy an annuity and instead have greater flexibility in accessing their pensions. LV= urgently needed to find another way of doing business, identifying opportunities to sell new products to new and emerging markets.

‘When the dust cleared, we saw that LV= was in a potentially strong place’, explains Richard Warner, COO at LV=. ‘We were one of the few companies to have a wide variety of “at retirement” products such as enhanced annuity, drawdown, and equity release schemes. The snag was, they had been developed as standalone products, not a unique set of single-stop solutions’.

“We needed to find a way of presenting these options in one easy-to-understand platform. This was a hugely attractive goal. Get it right, and we could offer independent financial advisors [IFAs] instant access to a unique suite of solutions at a time of unprecedented uncertainty.” “We needed to find a way of presenting these options in one easy-to-understand platform. This was a hugely attractive goal. Get it right, and we could offer independent financial advisors [IFAs] instant access to a unique suite of solutions at a time of unprecedented uncertainty.”

Richard Warner
Richard Warner

COO at LV=

LV= needed to deliver a new product platform to a fixed deadline, but the precise set of requirements was very unclear. The only certainty was that the waterfall software delivery methodology, traditionally employed by LV=, simply wouldn’t work in this scenario. It was too slow and ponderous to meet the immutable timeline. Agile product development was the only viable option.

Achieving this ambitious objective called for the support of an expert partner with a proven track record in agile delivery. A partner who could also lead by example and inspire cultural change within the LV= delivery teams. That chosen partner was Zühlke.

Agile team discussing a project

Embracing the agile product development approach

With the support of LV=’s CIO and senior leadership, a dedicated agile delivery team, combining Zühlke experts and LV= personnel, was formed in LV=’s Hitchin office. 

Agile delivery is based upon the principle of creating a working set of functions in a number of discrete and focused ‘sprints’. The working functions are then presented to business customers in ‘show and tell’ sessions. These sessions are a prime opportunity to share – at a very formative stage – the work produced by the project team. They also elicit vital feedback which helps to keep the project on track for delivery against clear business objectives.

Right from the start, it was agreed that this Hitchin-based team must be fully empowered and very inclusive. All stakeholders – from the IT areas right across to the business functions – were given a powerful voice at every stage of the process. 

Led by a product owner – the ‘ringmaster’ responsible for taking decisions and making statements about the project’s scope and criteria – and coached by our agile experts, the team’s first goal was to create the ‘walking skeleton’. Effectively, this was a top line representation of the end product which the team would ultimately deliver.

By agreeing on the scope of the project, the team could then create a list of prioritised requirements – the product backlog. While the ‘walking skeleton’ was being constructed, the working environment was being finalised. At the same time, our team delivered initial workshops which introduced LV= to SCRUM, the agile methodology that was used extensively to drive the project forward.

growth and success ladder conceptual visualisation

Agile development and technical know-how drive tangible impact

The pensions industry had just a few months to adapt to a radical set of new rules. LV= not only met this deadline but also created the first blended retirement solution supported by a bespoke ‘Retirement View’ platform.

‘Retirement View’ provided a super-flexible architecture – a versatile framework to support the company and its many thousands of IFAs for years to come. That is the lasting legacy of this project.

With Zühlke’s help, LV= got at least a 6 months’ head start over competitors, and an internal audit revealed that this development has delivered the highest ROI of any LV= project at the time.

“This project had an immediate impact on sales performance. Instead of single sales for isolated products, we were now getting multiple sales of connected products. But the benefits are much more than bottom-line. There has always been a healthy relationship and mutual respect between the business and technology areas but now this bond has grown even closer.” “This project had an immediate impact on sales performance. Instead of single sales for isolated products, we were now getting multiple sales of connected products. But the benefits are much more than bottom-line. There has always been a healthy relationship and mutual respect between the business and technology areas but now this bond has grown even closer.”

Gavin Drescher

IT Director at LV=

active business colleagues working together

Agile methodologies are now a central pillar of the company’s development culture and Zühlke was the catalyst that helped raise the profile of internal development and delivery. In some respects, this is a greater and more valuable contribution than any bottom-line consideration, as Gavin explains:

‘Zühlke brought the shrewd business management skills needed to translate needs into technical solutions. They looked beyond pure applications development to enabled us to build and create a new, bespoke environment. And they delivered it extremely quickly – speed was a key consideration'.

Discover our insurance innovation services

“Zühlke showed us new, agile ways of approaching problems and building solutions. It was really inspirational. They were definitely the catalyst for change and this was possibly even more valuable than their technical skillsets.” “Zühlke showed us new, agile ways of approaching problems and building solutions. It was really inspirational. They were definitely the catalyst for change and this was possibly even more valuable than their technical skillsets.”

Gavin Drescher

IT Director at LV=

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