Rating and rules checked against what was filed
Rating engines and underwriting rules are tested against approved rates before each release.
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Insurance
Modern operations for a changing policy landscape
From policy administration and claims platforms to AI-enabled underwriting and distribution, we help insurers move faster while maintaining the controls, compliance and transparency the industry demands.
NAICAI governance and model testing
IFRS 17financial reporting data testing
Agentic AIfor claims and underwriting operations
What’s changing across the industry
The pressures on the regulated insurance industry
Every organization we work with is balancing the same pressures.
AI under regulator scrutiny
State regulators adopting the NAIC model bulletin expect insurers to govern, test and document AI used in underwriting, pricing and claims.
Volatile catastrophe losses
Severe weather events drive claims surges that test both capacity and the accuracy of every payment.
Legacy core systems
Policy administration, billing and claims platforms built decades ago slow down product launches and rate changes.
Digital expectations
Policyholders, agents and brokers expect quoting, servicing and claims online, accessible and available at any hour.
How we help
Serving the full insurance value chain
We understand the challenges in each line of business and we are here to help you through our insurance offerings, in addition to the domain-agnostic services that we deliver across the lifecycle.
Personal & commercial P&C
Property & casualty
Carriers writing auto, home and commercial property and casualty lines.
What we hear
- Claims surges after severe weather events
- Rising claim severity and fraud
- Rate changes that take too long to reach production
How we help, across the lifecycle
- Advise
- Use-case prioritization across underwriting, claims and distributionAI models score each use case on value, risk and data readiness
- Build
- Agentic AI for first notice of loss and claims intakeAI agents capture loss details, documents and photos and route claims for adjuster review
- Claims fraud and severity analyticsMachine learning models that flag suspicious and high-severity claims early
- Modernize
- Integration with billing, claims, rating and partner systemsAI-generated interface mappings and transformation logic
- Verify
- Claims and payment accuracy testingAI-generated claim scenarios to test coverage, reserves and payments
- Performance testing for renewals and catastrophe surgesAI-built load models from real renewal cycles and past claim surges
- Run
- Catastrophe surge readiness and supportAI forecasts of claim volumes to scale capacity before an event lands
Life & retirement
Life & annuities
Life, annuity and retirement carriers managing long-lived policies.
What we hear
- Closed blocks running on decades-old admin systems
- IFRS 17 and statutory reporting data quality
- Slow, paper-heavy new business and servicing
How we help, across the lifecycle
- Advise
- Policy administration and core system roadmapsAI-assisted mapping of products, rules and dependencies across core systems
- Build
- Policyholder, agent and broker portalsAI assistants for policyholders and agents, built into the portal
- Actuarial, finance and IFRS 17 data platformsAI-assisted data lineage and quality checks on reporting data
- Modernize
- Policy administration and core system migrationAI-assisted extraction of product rules from legacy code and configuration
- Verify
- Functional and regression test automation for policy, billing and claimsAI-generated test cases from requirements, maintained as products change
- Financial and regulatory reporting testingAI-assisted reconciliation that flags breaks between source and reported figures
- Run
- Managed operations for policy and claims platformsAI triage of tickets and automated fixes for known issues
Group & voluntary benefits
Health & benefits
Group, voluntary and supplemental benefits carriers and administrators.
What we hear
- Enrollment and eligibility data from many employers
- Sensitive personal data across benefits systems
- Members expecting self-service for claims and coverage
How we help, across the lifecycle
- Advise
- Data governance for policyholder and claims dataAI-assisted discovery and classification of personal data across systems
- Build
- Contact center and servicing automationAI voice and chat agents that handle billing, policy changes and claim status, with staff handling escalations
- Modernize
- Data platform modernizationAI-assisted data profiling, cleansing and lineage
- Verify
- Security and data privacy testingAI agents probe access controls and flag exposure of personal data
- Accessibility testing for policyholder channelsAI-assisted scans against WCAG, confirmed by manual testers
- Run
- 24x7 monitoring for quoting, claims and policyholder channelsAI detects anomalies before policyholders or agents notice them
Specialty & commercial
Specialty & commercial lines
Carriers writing specialty, commercial and complex risks through brokers.
What we hear
- Submissions arriving as unstructured documents and emails
- Complex rating that underwriters still run in spreadsheets
- AI underwriting tools that need governance
How we help, across the lifecycle
- Advise
- Business cases tied to loss and expense ratiosSavings modeled from AI analysis of current claims and underwriting volumes
- Build
- Underwriting workbenches with document intakeAI extraction of submission data from applications, schedules and loss runs
- Modernize
- Cloud migration of legacy insurance applicationsAI-assisted code analysis to plan and speed up migration
- Verify
- Rating and rules engine testingAI-generated rating scenarios that check results against filed rates and rules
- AI model validation for bias and fairnessAutomated tests for accuracy, bias, drift and explainability, reviewed by your governance team
- Run
- AI agent monitoring with audit logsAgents monitored for accuracy, drift and policy breaches
Proof point
A global insurance intermediary moved AI from stalled pilots to one governed agentic platform with four purpose-built AI agents.
See the case studyMGA & insurtech
MGAs & insurtech
Managing general agents and insurtech companies building insurance products and platforms.
What we hear
- Launching products fast for carrier partners
- Carriers asking for data, security and AI governance evidence
- Integrations with many carrier and partner systems
How we help, across the lifecycle
- Advise
- AI governance aligned to the NAIC model bulletinGovernance designed for AI-specific risks such as bias, drift and explainability
- Distribution and partner ecosystem strategyAI analysis of channel and partner performance to shape the roadmap
- Build
- Rating, quoting and binding servicesAI-generated rating logic and API code from filed rules, reviewed by engineers
- Product engineering for MGA and insurtech platformsAI pair-programming with engineers owning every release
- Modernize
- DevSecOps pipelines with security built inAI checks on code, dependencies and infrastructure in every pipeline
- Verify
- Rating and rules engine testingAI-generated rating scenarios that check results against filed rates and rules
- Run
- Incident response and site reliability engineeringAIOps that correlates alerts and suggests the fix
Delivery principles
How we engineer for insurance
Underwriting and claims AI you can explain
Models are checked for accuracy and fairness, with the reasons behind each decision recorded.
Ready for the catastrophe surge
Claims intake, payments and contact channels are load-tested against event-scale volumes.
Policy data safe through migration
Policy, billing and claims history move with reconciliation at every step.
Renewals and billing never pause
Policy administration changes run in parallel with live books until the numbers agree.
Claim cycle time as the scoreboard
Progress is reported in cycle time, leakage and service measures, not activity.
Case study
Strategic AI Advisory | Global insurance intermediary
From AI pilots to governed production
1governed agentic platform
4purpose-built AI agents
55countries under automated compliance monitoring
Challenge
The broker had approved a major AI budget with an IPO on the horizon. Pilots were stalling before production, tools sprawled with no shared context or guardrails, AI governance was very new and regulatory monitoring across 55 countries was too dynamic for rules.
What we did
We ran a five-part transformation across people, process, technology, governance and execution, built on one governed agentic platform: orchestration, shared context and ontology, evals, guardrails and observability. Agents for compliance monitoring, submissions, capacity marketing and client intelligence run across the broking value chain.
Read the full caseSee all case studies
More case studies in this industry
getting started
Start small, prove value, then scale
We recommend starting with an understanding of the current state and then expanding across the lifecycle.
- Start here
Assessment
2 to 4 weeks Pilot
6 to 10 weeksManaged team
3 to 6 monthsExpansion & transformation
Ongoing
Schedule a discovery call
A 60-minute call to scope your assessment. We bring an initial view of quick wins for your landscape.
Let’s build insurance systems people can trust
Talk to our insurance engineers about the underwriting, claims or policy workflow you want to build, modernize or verify next.