Build & run insurance products in weeks, not years.
- P&C
- Life
- Health
- Pet Insurance
- Commercial Lines
- Specialty Lines
- MGAs
FintechOS Intelligent Policy Admin System is an AI-first, composable core insurance modernization solution for insurers and MGAs. It runs above existing cores and progressively assumes core operations, accelerating product change and reducing expense ratio.
Insurers and MGAs can't launch, price, or adapt products fast enough.
Product wordings, pricing, underwriting rules, and claims logic sit locked inside each one. Every new product, MTA, repricing, or appetite change takes months, while underwriting performance, capital coverage, and customer-outcome obligations are scrutinised in real time.
6–9 months
Product Change to Live Cycle
From actuarial sign-off to broker, member, or policyholder-facing go-live, across product, pricing, underwriting, IT, compliance, and distribution.
Average 3-5
PAS Estates, often more
A different policy admin system per line (motor, home, commercial, health, life, specialty binders), and often per country or acquired entity.
15-20 Points
Operating Performance Gap
Top-quartile carriers outperform by 15–20 points. The gap holds across P&C, life, and health, and across combined ratio, expense ratio, and operating margin.
Move product logic above the core. Then modernize it on your terms.
The fastest movers are the ones moving faster than their existing cores allow.
Decouple Product Logic
Product wordings, pricing logic, underwriting rules, and quote-to-bind flows lift out of every PAS in the estate (motor, home, commercial, life, health, specialty) and consolidate into one governed layer that the actuarial, broker, customer-facing, and AI teams all share.
Configure With Agents
Dex replaces code and customisation projects with natural-language authoring: those closest to the product configure wordings, pricing, underwriting, and workflow against a governed schema. Product change cycles compress from quarters to weeks.
A PAS Built For the Customer
Traditional PAS systems are built around the policy. IPAS runs around the customer: across P&C, life, and health, with multi-product bundling, pricing tuned to the customer rather than the line of business, lifecycle servicing, and cross-product offers at the moment of need.
Intelligent PAS is a composable core modernization layer: decoupled from the legacy PAS estate today, progressively assuming it tomorrow. Built for agentic configuration. Designed for the life-centric insurance economy. Twenty-plus live programs across P&C, life, health, pet, and specialty say it works.
Composable, Agentic, Governed. For the customer.
Intelligent Policy Admin System
A composable layer for policy administration, origination, and claims, across channels, lines of business, and the legacy PAS estate. Click each layer to step through the architecture.
Consistent product, pricing, and customer journeys across every channel. Integrates with your existing channel capabilities or replaces them with FintechOS-native ones, with personalization applied at the channel-and-customer level rather than per silo.
End-to-end policy administration across the lifecycle, unified across product lines (P&C, life, health, pet, and specialty) and customer segments. Configured through Dex, the AI copilot for natural-language authoring against a governed schema. Out-of-the-box solution accelerators across each line, fully configurable to your wordings, rates, and underwriting appetite.
The runtime that coordinates AI agents, human practitioners, and structured business processes in one governance framework: BPMN-aligned, deterministic at the process level, agentic at the task level. Agent actions are audit-traceable and policy-constrained, with human-on-the-loop controls where decisions warrant them. That's what makes agentic AI governable in regulated environments.
Data Core resolves the fragmented PAS estate without forcing physical consolidation: virtualising access to every legacy PAS, CRM, payment rail, reinsurance platform, ERP/GL system, and external service through a unified semantic layer. Agents and humans reason over one coherent, governed view of the customer and the policy, rather than a patchwork of disconnected systems.
The full policy administration & origination toolkit
Start with one product line, see value in a quarter, extend at the pace the business sets.
Three waypoints, three timeframes. Each one delivers value standalone.
First Quarter
A live product line on Intelligent PAS (Pet, Term Life, Auto, or SME), validated against your wordings, your underwriting appetite, and your distribution. Quote-to-bind in minutes. First operational evidence that the platform can run in your environment.
First Year
Three to five product lines live on Intelligent PAS. Product change cycles compressed from quarters to weeks. The cross-product customer view that drives portfolio-level signal: operational, not aspirational. Measurable operating-ratio improvement on the migrated lines.
Year Two and Beyond
Solution accelerators that ship in weeks
Pre-built solution accelerators, ready to deploy. Configure to your products, brand, and rules, and go live without bespoke build. All accelerators below come bundled with Intelligent PAS.
Property Insurance,
Personal Lines
A complete home and contents insurance product line. from product definition, wording, and rating through quote-to-bind, mid-term adjustments, renewals, and claims. Configurable to your perils, sub-limits, and underwriting appetite, with multi-channel distribution out of the box.
- Home
- Contents
- Embedded
- Renewals
- Claims
- Triage
Pet Insurance,
Personal Lines
End-to-end pet insurance, from product configuration and breed-condition rules through digital quote-to-bind, lifetime renewals, and claims with AI-assisted triage. Direct-to-consumer, broker, and embedded distribution on one engine.
- Pet
- Direct
- Embedded
- Renewals
- Claims
- AI Triage
Auto Insurance Personal Lines
A full motor insurance product line. Usage-based pricing-ready, full quote-to-bind, MTA self-service, mid-term changes, and digital FNOL with claims orchestration. Configurable to your vehicle and driver risk model, with aggregator, broker, and direct journeys.
- Mortgage
- Telematics
- Doc Upload
- MTA
- FNOL
- Aggregator
SME Insurance Commercial Lines
A unified SME insurance accelerator covering business owner policies, commercial property, liability, and cyber with multi-product bundling, broker workbench, direct-to-customer journeys, mid-term endorsements, and renewals. Designed for carriers, MGAs, and binder schemes.
- Commercial
- Multi-product
- Bundling
- Broker
- MGA
- Renewals
Unit-Linked
Life Insurance
A complete unit-linked life and investment product line. From fund and contribution configuration through digital quote-and-apply, ongoing premium handling, fund switching, partial surrenders, top-ups, and lifecycle servicing. IFRS 17 and Solvency II–aware, configurable to your fund range and charge structure.
- Unit-Linked
- Investment
- Servicing
- IFRS 17
- Fund Switching
- Solvency II
Term Life Life Insurance
End-to-end term life insurance, from product wording and underwriting rules through digital quote-and-apply, evidence collection, e-signed issuance, in-force servicing, and claims. MGA-ready, configurable to your underwriting appetite and reinsurance treaties.
- Term Life
- Underwriting
- e-Sign
- In-Force
- Reinsurance
- MGA
What separates leading insurers from the mainstream today
Where mainstream insurers operate today, and where best-in-class players are running. AFTER values are research-published top-quartile benchmarks or named-customer attested outcomes; FintechOS is the Al platform path.
Metric
Before IPAS
After IPAS
Operating Cost as % of GWP
Lower is better
Before
5.4%
After
2.2%
Cross-sell Ratio
Higher is better
Before
15%
After
78%
Time-to-Launch a New Line of Business
Lower is better
Before
18-24
months
After
7
months
Quote-to-Bind Time
Lower is better
Before
Hours to days
After
<5
minutes
Policyholder Self-Service
Higher is better; % of insurers
Before
13%
After
78%
Hear from our customers
FintechOS 8 powers product operations for some of the most ambitious companies in banking and insurance.
Pritpal Powar
Pet Director, Admiral
“With FintechOS we were able to meet our aggressive launch deadline, while also delivering an innovative digital pet insurance solution.”
Kevin Knorr
CIO, MHG Insurance
“FintechOS doesn’t have the limitations we’ve found with other products… FintechOS differentiates us from other companies.”
Averil Nolan
Head of Mortgage Strategy and Transformation, Avant Money
“With FintechOS, we created a more transparent and collaborative mortgage journey by bringing customers, brokers, and our internal teams into one shared process. That visibility across the lifecycle has helped us make decisions faster and deliver a clearer and more efficient experience without disrupting our existing systems.”
Maja Mikic
Executive Director for Digital Transformation, BRD Groupe Société Générale
“To the banks who are looking for a reliable IT partner who can help them bring the digital sales channels fast to the market in a reliable and consistent way, I would definitely recommend working with FintechOS.”
Ready to modernize policy administration on your terms?
A 30-minute working session with a FintechOS solution consultant. Bring your PAS estate, your most urgent product line, and the operational priority you’d most like to address in a quarter. We’ll talk through your specifics and map Intelligent PAS to what your first quarter, first year, and unified core would look like in production.