ANLAA TECHNOLOGY
Commercial Insurance
Mid-Office Solution
Connecting products, distribution, underwriting, policy operations and claims
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.
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.
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.
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.
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
AI UNDERWRITING
AI underwriting engine
Models identify and explain risk signals. Underwriters retain review authority and final control.
Risk information
Read application documents, enterprise data, employee lists, asset details and approved external data.
Rule validation
Apply eligibility, authority, limit, occupation and coverage conditions.
Risk recommendation
Identify material factors and recommend tiers, additional information or expert review.
Decision evidence
Record source data, rule hits, model version and underwriter action.
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
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.
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.
PRODUCT EXPERIENCE
Product screens
Replace these panels with current screenshots for the target market and product version.
ARCHITECTURE
Platform architecture
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
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
STEP 03
Build
- Environments, APIs, rules and access
STEP 04
Launch
- Testing, training and production release
STEP 05
Operate
- Monitoring, review and continuous improvement
Commercial Insurance
Mid-Office Solution
We look forward to discussing your operating model and target markets