Insurers have to keep decades-old portfolios running reliably while developing new digital business models at the same time.
The challenge is not to avoid complexity, but to keep it manageable for the long term.
Legacy portfolios, new business models and flexible business processes now have to be brought together while operations continue.
Digitalization in insurance today means above all connecting existing core systems such as policy administration, contract management and claims settlement with modern finance, CRM and AI layers instead of replacing them in one go. The leverage lies in process automation: it relieves recurring tasks in underwriting, pricing and claims handling with AI, while IFRS 17, Solvency II, DORA and VAIT remain reliably met.
Insurers administer contracts across decades. In policy administration, old and new tariff generations run in parallel, follow different terms and have to be processed correctly for the long term. A life insurance policy from 1998 and one from today can sit in the same system even though completely different guarantees and calculation bases apply. That is exactly what makes modernization, migration and the use of AI so demanding.
Artificial intelligence is changing underwriting, pricing, claims handling and customer service. It can bring information together, prepare decisions and take over recurring steps. For insurers, AI is therefore not only a technology topic but a strategic question of competitiveness.
Insurance products have long since stopped being offered through traditional sales channels alone. Digital platforms, embedded insurance and insurtechs such as Wefox, Clark or Getsafe create new customer access points and increasingly control which providers customers see at all.
Comparison portals and platforms such as CHECK24 or booking platforms decide more and more often where a contract is ultimately signed. Insurers have to integrate these sales channels while strengthening their own digital customer access points, in order to stay independent and visible in the long run.
New digital services and AI applications have to meet high requirements for compliance, data protection, information security and traceability. Alongside IFRS 17 and Solvency II, DORA and VAIT increasingly apply as a binding framework for insurance IT. At the same time, AI-supported fraud attempts, phishing and identity theft are increasing. With sensitive health, contract and financial data in particular, innovation, security and governance therefore have to be thought through together from the start.
Insurers depend on highly specialized expertise, especially in actuarial work, underwriting, claims handling and policy administration. Qualified specialists are hard to win, while requirements from IFRS 17 and Solvency II keep rising. AI can relieve data preparation and decision groundwork without replacing professional responsibility.
Insurance projects rarely fail because of a single technology. They fail because standard software, custom development, integration, data, security and business processes do not work together.
That is exactly where agenic comes in. Standard software, custom development and existing insurance applications can then be developed further together – from the professional concept to ongoing operation.
Insurers administer the most sensitive data a company can hold at all: health, wealth, life circumstances. That is why security is not a compliance add-on for us, but the starting point of every solution.
Modern business workflows take shape where technology and professional expertise come together. In Dynamics 365 and Security Copilot, AI agents are already at work taking on recurring tasks and noticeably relieving specialist teams. For insurers that means one thing above all: a partner who does not treat these possibilities as finished software, but fits them, together with you, into your processes, your data and your grown system landscape – where they create lasting impact.
Payables Agent
Checks incoming invoices automatically, reads the documents, assigns them to the right vendor and prepares the posting for approval. At an insurer these are invoices from surveyors, restorers, IT partners, or broker commissions. Your team reviews and approves.
Account Reconciliation Agent
Continuously reconciles sub-ledger and general ledger, flags discrepancies and proposes a justified correction for each one. Useful for insurers in account reconciliation and as groundwork for regulatory reporting. Every decision stays documented and auditable.
Case Management Agent
Security Alert Triage Agent
Data Security Triage Agent
Every starting point is different. That is why we connect existing core systems, Microsoft technologies and custom development so that new solutions fit safely into your insurance IT.
Where standard software deliberately should not be modified, we build exactly the components your insurance processes need: broker portal, claims portal, self-service and custom business applications.
Guidewire, Duck Creek, msg.Insurance Suite, SAP FS-PM or Adcubum stay in place and are connected seamlessly to finance, CRM and AI layers through an integration layer.
Microsoft Azure and Fabric connect data from core systems and specialist applications and create the basis for reporting and analytics.
Protecting identities, access and data reliably and mapping regulatory evidence traceably.
Operating, monitoring and continuously developing solutions after go-live.
Automating recurring tasks in finance and back office without touching your core system.
Initial situation: The internationally active industrial insurer wanted to connect its applications across different cloud providers and local data centers, creating the basis for new digital services.
Solution: Building a central integration platform based on Azure API Management, with a developer portal, decentralized API gateways, centrally controlled authentication and monitoring. Today we work in the customer’s platform team on its further development.
Added value:
Most insurers do not replace their core systems. Instead, we integrate AI agents, business applications and custom software into the existing system landscape through an integration layer. Your core system stays stable while new digital processes take shape.
That depends strongly on how your tariff generations are managed technically today. As a rule we separate the data layer from the process layer: old tariffs continue unchanged while new products are developed and sold through modern interfaces – without the two worlds blocking each other.
The most advanced are claims pre-checks, invoice processing, broker communication, document analysis and finance processes. Which process offers you the greatest leverage depends on your system landscape and your data sources.
Through an integration layer that accesses your core system's data without becoming part of it. Guidewire, Duck Creek, msg.Insurance Suite, SAP FS-PM or Adcubum stay unchanged while the AI agents work on the connected data.
Insurers often differ in their processes, products and distribution models. Where standard software reaches its limits, we develop specific custom applications and integrate them into your existing system landscape.
Yes. Broker portal, claims portal, self-service or targeted support in underwriting are examples where standard software often falls short. This is one of the areas where we go deepest into designing the business process itself.
Wherever finance, CRM or reporting run through isolated solutions or Excel today. Dynamics 365 does not replace your core insurance system; it takes on the layer beside it, which is often still unstructured.
Not as a big bang. We start with a clearly defined first step, usually one process or one integration that shows visible value quickly, before we tackle the next building block.
Usually not by replacing systems, but through an evidence and control layer: roles, access and audit trails are mapped centrally while your core systems continue unchanged. Microsoft agents such as the Access Review Agent in Entra can prepare the recurring access reviews automatically.
Because attacks such as deepfakes and phishing increasingly run automatically, detection has to keep up automatically as well. The Security Alert Triage Agent in Microsoft Defender triages reported incidents autonomously and explains every verdict traceably. Your team decides on the critical cases.
Whether AI agents, custom software, modern business applications or the integration of existing systems – in the initial consultation we analyze your starting situation together and show possible ways forward.
The initial consultation takes around 30 minutes.
Get in touch
We will get back to you within one business day.
