One control plane for every policy. Every state. Every line.
Custom policy administration systems built on Azure — a configurable product factory, an explainable policy lifecycle engine, native rating and SERFF filing integration, and a phased strangler path off your legacy core that keeps in-force business, billing, and claims running the whole way.
Product Factory & Coverage Catalog
Configurable product definitions, coverage forms, rating factors, and eligibility rules organized by line of business and jurisdiction. Your product and actuarial teams model new products and state variants in configuration — not in a release train.
Policy Lifecycle Engine
Quote, bind, issue, endorse, cancel, reinstate, and renew — one event-driven engine owns every state transition on the policy, with versioned policy objects and deterministic replay for any historical point-in-time view.
Rating & Filing Integration
Real-time rating engine integration with Earnix, Guidewire Rating Management, Duck Creek Rating, or your proprietary engine — plus SERFF-ready filing packages that tie every bound policy to the rate version on file for its state and effective date.
Endorsement & Renewal Orchestration
Mid-term endorsements, batch renewals, and automatic renewal rule evaluation with pro-rata and short-rate calculations, configurable notice generation, and clean hand-offs into billing and document production.
Billing, Claims & Reinsurance Bridge
Event-driven connectors to Guidewire BillingCenter, Duck Creek Billing, Guidewire ClaimCenter, Duck Creek Claims, and reinsurance ledgers — built so policy changes propagate accurately without the nightly batch reconciliation legacy cores depend on.
Audit Trail & Regulatory Evidence
Every policy event captured with actor, inputs, rule evaluations, rate version, and outcome. Exportable evidence packages for state DOI market-conduct exams, NAIC reporting, and internal audit — built in, not bolted on.
One Platform, Every Policy Event
Quote, bind, endorsement, renewal, cancel — one event-sourced engine owns the policy, with rate version and state filing attached to every transition.
A Phased Path Off Legacy, With the Lights On
Line-by-line, state-by-state cutover with a reconciling legacy bridge — so in-force business, billing, and claims keep running the whole way through the strangler.
Regulator-Ready, Audit-Graded, DR-Tested by Design
Filed-Rate Traceability
Every bound policy ties back to the exact rate version, form version, and state filing on record for its effective date — so a market-conduct exam is a query, not a file hunt.
Explainable Policy Events
Every policy event — bind, endorsement, renewal, cancel — captures actor, inputs, rules fired, and outcome. No black-box core; every decision can be replayed and reviewed.
DR, BCP & Data Security
AES-256 encryption, Azure Key Vault, MFA, role-based access, and a tested disaster-recovery plan with documented RTO and RPO per line of business.
Product flows down. Evidence flows up. Every policy, every state.
Configurable rate decks, forms, and rules feed the lifecycle engine from above. Every policy event writes an append-only audit trail that feeds filings, billing, claims, and reinsurance from below. One system of truth — not a box of modules stitched together at monthly close.
Compliance by design
Filed-rate & form traceability
Every policy event — quote, bind, endorsement, renewal — is stamped with the rate and form version in force for its state and effective date. Audit queries return the filed-rate lineage without spreadsheet reconstruction.
Event-sourced audit trail
Policy state changes are persisted as an append-only event log with actor, inputs, rule evaluations, and outcomes. Historical point-in-time policy views and market-conduct evidence packages are replayable on demand.
Data encryption & key management
AES-256 encryption at rest, TLS 1.3 in transit. Policyholder PII and underwriting data encrypted with keys managed through Azure Key Vault with automated rotation and access-logged unwrap events.
Identity & role-based access
Azure AD B2C or Entra External ID with enforced MFA. Role-based access distinguishes product, underwriting, claims, billing, compliance, and admin functions with least-privilege defaults on every module.
Disaster recovery & business continuity
Multi-region Azure deployment with documented RTO and RPO per line of business. Infrastructure-as-code (Terraform) enables environment replication, and DR rehearsals are built into the engagement plan — not deferred to a post-launch checklist.
Strangler-safe migration controls
The legacy-to-modern policy-event bridge runs in reconciliation mode during cutover, with event-by-event parity checks and an emergency rollback path per line and state. Designed so a surprise during migration is a caught exception, not a production outage.
Audit-ready on day one
Every module is architected to produce the filed-rate traceability, event-sourced evidence, and disaster-recovery posture a state DOI market-conduct exam, NAIC reviewer, or SOC 2 auditor will ask for. We are not regulatory counsel and recommend your compliance team and actuarial reviewers sign off on rate and form filings before submission.
Partner agreements in place
Faster Time-to-Market for Products and States
A configuration-first product factory means launching a new line, filing a new state, or revising a rate becomes a filing and configuration sprint — not a platform release. Architected to shrink the gap between an actuarial decision and a live product.
Safer Legacy Replacement
A strangler-style cutover with a policy-event bridge keeps the legacy core in sync until each line and state is independently proven on the new platform. Designed to eliminate the big-bang migration that most failed PAS programs actually are.
Lower Total Cost of Ownership
Azure-native architecture and infrastructure-as-code replace per-seat legacy licensing and fragile on-premises clusters. Built so your IT finance team can model hosting cost against premium volume — not against vendor tiers that expire every three years.
Regulator-Ready by Construction
Every policy event is auditable, every rating call is tied to a filed rate version, and every module produces the evidence packages a state DOI or NAIC reviewer will ask for. Compliance is a property of the platform, not a documentation effort before an exam.
Scalable for Growth and M&A
Multi-tenant architecture and configurable products mean an acquired book of business can be absorbed as a new tenant with its own lines and states. Designed for the carrier that will look different in three years than it does today.
Integrations
Guidewire PolicyCenter
- Bi-directional policy data and endorsement sync
- Parallel-run reconciliation during phased cutover
- Rating Management integration for filed rates
Duck Creek Policy
- Policy lifecycle event exchange
- Rating integration for rate-version alignment
- Billing and claims data synchronization
Sapiens CoreSuite
- Policy administration data exchange
- Multi-line-of-business support
- Claims lifecycle hand-off
Earnix
- Real-time rating and pricing calls
- What-if and rate-impact modeling
- Rate-version stamping on every bound policy
SERFF
- Rate, rule, and form filing packages
- State-specific regulatory reporting exports
- Filing-to-rate-deck traceability
Guidewire BillingCenter / ClaimCenter
- Policy-change propagation into billing
- Claims lifecycle hand-off from policy events
- Reconciliation reporting for parallel-run periods
Our Implementation Process
Discovery & Core-System Mapping
We inventory your current core, billing, claims, reinsurance, and rating landscape end-to-end, identify the policy-event bridge points, map your line and state footprint, and define the phased strangler plan — which module in which line moves first, what stays on legacy, and how the two talk during the transition.
Architecture, Rating Spine & Product Factory Design
Platform architecture designed around a single rating spine, a configurable product factory, and an event-sourced policy lifecycle engine. Integration pattern for each connected system (rating, billing, claims, reinsurance, document production) documented with failure-mode and rate-version-rollover strategy.
Core Platform Development
Iterative development with bi-weekly demos to IT, actuarial, underwriting, and claims stakeholders. Product factory, policy lifecycle engine, rating integration, endorsement and renewal orchestration, and the legacy bridge built in React/Next.js and .NET with domain-driven design that mirrors insurance business logic.
Integration, Data Migration & Compliance Testing
Connect billing, claims, reinsurance, document production, and rating engines. Run the first line-and-state data migration with reconciliation, execute end-to-end compliance testing, penetration testing, and disaster-recovery rehearsal. Prepare state DOI evidence packages for the first go-live line.
Phased Go-Live, Legacy Strangler & Hypercare
Line-by-line and state-by-state rollout with the legacy bridge running in parallel. Dedicated hypercare with engineering on-call, policy-event reconciliation monitors, and a documented plan for retiring each legacy module as the new platform proves itself in production.
Frequently Asked Questions
Can you replace our legacy policy admin without breaking in-force business, billing, or claims?
Yes — and this is the single most important design constraint of the engagement. We architect a strangler cutover with a policy-event bridge that keeps your legacy core, billing, claims, and reinsurance feeds in sync while the new platform takes over one line and one state at a time. In-force policies continue to be administered on the legacy system until their line is independently proven on the new platform, with reconciliation monitors running in production and a documented rollback path at every stage. Big-bang cutovers are the failure mode we design against.
How do you handle product configuration, rating, and state filings?
The platform is built around a configurable product factory — rate decks, coverage forms, eligibility rules, and endorsement behaviors are data, not code. Your product and actuarial teams can model new products, state variants, and rate revisions through configuration and a SERFF-ready filing package. Real-time rating integrates with Earnix, Guidewire Rating Management, Duck Creek Rating, or a proprietary engine, and every bound policy is stamped with the rate version on file for its state and effective date. Routine rate revisions become a filing and configuration exercise, not a six-month release train.
Is the platform auditable and regulator-ready from day one?
Yes. Every policy event — quote, bind, endorsement, renewal, cancel, reinstate — is persisted as an append-only audit record with actor, inputs, rules fired, rate version, and outcome. Market-conduct exam evidence packages, NAIC reporting exports, and SOC 2 audit artifacts are capabilities of the platform, not a documentation scramble before an exam. We are not regulatory counsel and recommend your compliance team sign off on filings, but the evidence the regulator will ask for is already in the platform.
How do you handle disaster recovery and business continuity for a core system?
Disaster recovery is architected into the platform, not bolted on. Multi-region Azure deployment, documented RTO and RPO per line of business, infrastructure-as-code for full environment replication, and DR rehearsals built into the engagement plan before production go-live. For a core insurance system, DR is a board-level conversation, and we design so your CIO can answer "we rehearse our recovery" instead of "we have a runbook."
Can we start with one line of business and one state, then expand?
Yes — this is the default pattern, not a concession. Each line of business, state, and channel is a configuration unit with its own product definitions, rate bindings, and filing trail. The strangler bridge keeps the legacy system authoritative for lines that have not yet migrated, so you can move one line and one state at a time with the rest of the book untouched. New lines typically take several weeks of configuration plus integration and compliance testing once the core platform is live — not a platform rebuild.
What does a custom PAS engagement typically cost and how long does it take?
A custom policy administration platform with a configurable product factory, lifecycle engine, rating and filing integration, and a phased legacy strangler for a first line of business is a multi-quarter engagement. Scope is driven by lines, states, legacy systems in play, and the depth of billing, claims, and reinsurance integration. Phased delivery is standard — the first line goes live on the new platform before the broader strangler begins. A discovery engagement produces a realistic cost and timeline assessment grounded in your specific legacy estate, not a generic brochure number.
Ready to Modernize Your Core Without Betting the Book?
Book a free 30-minute discovery call. We will review your current core, billing, claims, and reinsurance landscape, your line and state footprint, and your filing cadence, then give you a realistic assessment of what a custom policy administration platform — and a phased strangler path off your legacy core — would cost and deliver for your carrier or MGA.