On the basis of the initial thinking, SPB designs and creates the products (content, pricing, signup procedure, distribution channels etc). It sets out to guarantee maximum security for its customers, a role endorsed by the law on insurance intermediation. SPB wanted to provide its partners with even more technical and legal support, whence the creation of the Research & Development department in 2005.
 
Using domestic and foreign economic intelligence tools, ideas thrown up by a dedicated monthly committee or even from the internal Quality Trophy, the department then submits concepts, which are subsequently approved by the sales managers and/or by consumer propensity surveys.
 
A feasibility study is then carried out by the Organization & Management Methods department, which liaises between the various departments concerned by launching a new product: cost analysis, definition of specific processes, estimate of the computing tools to be developed, and the necessary technical details to estimate the premium.
 
SPB develops its offers in collaboration with its insurer and reinsurer partners, be they bank insurers or major international insurers. Apart from risk assignment, SPB is often required to work with such partners from the design stage in order to refine the content of the cover and streamline processes.