Features
Twenty modules of one insurance company system. The product, policy, payment, claim, reserve and report live in one database, so data from one module is visible in the others at once and needs no reconciliation between systems.
Insurance core
Product builder, underwriting, the policy from quote to cancellation, claims settlement, life and index insurance. Everything else is built on this layer.
Product builder
Coverages, rating plans, questionnaires, rules and print forms are configured without programming.
All plans. Starter allows up to five products and three lines of business.
Policy administration
Quote, issuance, changes, renewal and cancellation with a premium refund.
All plans.
Underwriting and anti-fraud
Rules and models decide on an application themselves, and complex cases go to an underwriter.
Rules on all plans, anti-fraud scoring from the Professional plan.
Claims settlement
Notification, assessment, calculation, payout with approvals and recovery in one case.
All plans. Anti-fraud scoring and recovery from the Professional plan.
Life insurance and annuities
Endowment, surrender value, waiver of premium, profit participation and unit-linked.
Professional and Enterprise plans.
Index insurance
A payout based on a published index with no notification from the client.
Professional and Enterprise plans.Money, reserves and reinsurance
Premium schedules, online payment and allocation, risk transfer to reinsurers, insurance reserves and IFRS 17 on the same contracts and claims.
Billing and payments
Premium schedules, online payment through 11 gateways, allocation and overdue handling.
All plans.
Reinsurance
Five treaty types, automatic cessions, bordereaux and inward reinsurance.
Professional and Enterprise plans.
Reserves and IFRS 17
UPR, RBNS, IBNR and IFRS 17 on the system’s own data.
Professional and Enterprise plans.Sales channels
A client portal with online purchase and claims settlement, an agent network with commissions, the Partner API and a widget to sell insurance on a partner’s website.
Client portal
Policy purchase, payment, changes and claim notification from a phone.
All plans.
Agents and commissions
Agent contracts, authority, commission and statements.
All plans.
Embedded insurance
Partner API and a purchase widget for the websites of banks, marketplaces and car dealers.
Professional and Enterprise plans.Regulation and control
Regulatory reporting, consumer protection requirements, sanctions and AML screening, an activity log with signed events.
Regulatory reporting
Report generation, signing and submission to the regulator with response parsing.
All plans. Basic reporting in Starter.
Consumer protection
Product passport, key information document, complaints and the financial ombudsman.
All plans.
AML and compliance
Sanctions lists, portfolio rescreening and mandatory monitoring thresholds by country.
All plans.
Security and audit
Roles and 73 permissions, two-factor sign-in, SSO and a log with signed events.
All plans.Data and platform
A single counterparty database, connections to registries and bureaus, approval routes and data isolation for each insurer in a group of companies.
Counterparties
A single database of clients, agents and loss adjusters with a 360 client card.
All plans.
Registry integrations
State databases, credit bureaus, payment gateways and 1C.
All plans. Custom integrations in Enterprise.
Routes and tasks
Approval routes in a visual editor, employee tasks and escalation.
All plans. Custom processes in Enterprise.
Group of companies
Data isolation for each insurer and a holding consolidation.
Enterprise plan.Shall we show the system on your products?
We will build your product in the builder, take a policy from quote to claim and estimate the implementation cost for your lines of business and countries.