RESOURCE · Sales presentation

Commercial Insurance Mid-Office Solution

v1.0.0用途：Sales presentation受众：Insurer executives, business and technology teams, intermediaries and regional partners更新：2026-09-1815 页

English counterpart of the Chinese commercial insurance mid-office solution, rewritten for regional and international audiences.

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Cover Platform Positioning Business Challenges Target Blueprint Business Lifecycle Product and Distribution AI Underwriting AI Claims Data and Model Platform Open Platform Product Screens Platform Architecture Deployment and Data Boundaries Implementation Closing

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ANLAA TECHNOLOGY

Commercial Insurance
Mid-Office Solution

Connecting products, distribution, underwriting, policy operations and claims

Solution OverviewSeptember 2026English

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PLATFORM POSITIONING

A flexible operating layer between core systems and market-facing journeys

The platform absorbs rapid changes in products, distribution and services while maintaining stable connections to insurer core systems.

Its modular design lets each market start with a focused use case and expand into more products, channels, decision services and operational analytics.

Configurable productsOrchestrated workflowsOpen integrationTraceable decisions

Business data, professional rules and models operate within one auditable workflow

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BUSINESS CHALLENGES

Common breaks in commercial insurance operations

Slow product change

Product terms, pricing and rules are spread across systems, so business changes require repeated development.

Repeated channel integration

Different data models and workflows increase the cost of onboarding and maintaining distribution partners.

Expert knowledge stays manual

Underwriting and claims decisions depend on individuals, with limited reuse of rules and evidence.

Fragmented operating data

Policy, claims, distribution and service data lack a consistent view for product management.

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TARGET BLUEPRINT

One operating foundation with specialist decision services

Customers and channels

Insurers, intermediaries, industry platforms, enterprises and service partners.

Business mid-office

Products, schemes, distribution, customers, policies, endorsements, services and operations.

Decision engines

AI underwriting, AI claims, rules, expert review and decision traceability.

Data and model platform

Data, features, models, strategies, versions and business analytics.

Open platform

APIs, identity, permissions, audit logs, security and deployment services.

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BUSINESS LIFECYCLE

Commercial insurance business lifecycle

Product design

Configure coverage, pricing, wording and services.

Risk intake

Connect enterprise, people, asset and context data.

Underwriting

Combine rules, models and expert review.

Policy issuance

Connect distribution, payment and core systems.

Claims service

Read documents, route cases and support review.

Portfolio action

Feed results back into products and risk strategy.

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PRODUCT & DISTRIBUTION

Product and distribution operations

Product factory

Insurance terms and operating rules become configurable components for multiple lines and schemes.

Coverage, pricing and eligibility rules
Services and claims requirements
Product versions and approvals

Distribution management

The platform manages partner access, product authorization, integration and business settlement.

Multi-channel product release
Organization and user permissions
Commission, reconciliation and analysis

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AI UNDERWRITING

AI underwriting engine

Models identify and explain risk signals. Underwriters retain review authority and final control.

INPUT

Risk information

Read application documents, enterprise data, employee lists, asset details and approved external data.

RULE

Rule validation

Apply eligibility, authority, limit, occupation and coverage conditions.

MODEL

Risk recommendation

Identify material factors and recommend tiers, additional information or expert review.

TRACE

Decision evidence

Record source data, rule hits, model version and underwriter action.

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AI CLAIMS

AI claims engine

Case processing

The engine reads claim files, checks evidence, applies rules and routes cases to the appropriate path.

Document and field extraction
Coverage, limit and deductible checks
Automated routing for lower-risk cases

Expert review

Complex or higher-risk cases move to specialists with evidence, differences and policy history in context.

Exception alerts and work queues
Reviewer opinion and evidence history
Outcome feedback to rules and models

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DATA & MODEL PLATFORM

Data and model management

Unified data

Consistent views across policy, claims, distribution, service and approved external data.

Feature management

Reusable risk factors, business metrics and data quality controls.

Models and strategies

Managed models, rules, thresholds, release scope and version history.

Portfolio analytics

Product, channel, customer and claims performance in one operating view.

Outcome feedback

Business outcomes support periodic strategy review and model improvement.

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OPEN PLATFORM

Integration through an open platform

Insurer core systems

Products, policies, finance and claims records.

Channel applications

Distribution journeys, enterprise portals and industry platforms.

Open Platform and APIs

Identity, interfaces, events, permissions and API audit

Data and model services

Risk data, model calls and operating analytics.

External services

Payments, signatures, medical and survey services.

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PRODUCT EXPERIENCE

Product screens

Replace these panels with current screenshots for the target market and product version.

Business operations workspaceSuggested content: product, distribution, policy or portfolio overview

Underwriting or claims workspaceSuggested content: risk factors, rule results and expert review

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ARCHITECTURE

Platform architecture

Users and channels

Insurers

Intermediaries

Enterprises and platforms

Business services

Business mid-officeProducts, channels, customers, policies and operations

AI underwriting

AI claims

Data intelligence

Data and model platformData, features, models, strategies and analytics

Integration foundation

Open platform and APIs

Identity, access and audit

Cloud infrastructure

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DEPLOYMENT

Deployment, security and data boundaries

Deployment options

Public cloud, private deployment and client-defined hybrid patterns are supported.

Separated production, test and development environments
Elastic capacity with monitoring and alerting
Availability design aligned with client requirements

Data and security

Permissions and data boundaries reflect business, tenant and market requirements.

Encryption in transit and at rest
Granular access and operational audit
Backup, recovery and key management

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IMPLEMENTATION

Implementation approach

The detailed plan depends on scope, interfaces and the client environment.

STEP 01

Scope

Processes, data, interfaces and outcomes

→

STEP 02

Solution

Configuration and key journey validation

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STEP 03

Build

Environments, APIs, rules and access

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STEP 04

Launch

Testing, training and production release

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STEP 05

Operate

Monitoring, review and continuous improvement

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