Segments
Manage market segments
Composite
Composite insurance refers to an insurance model in which a single insurer offers and manages multiple lines of business—typically life, annuities, and general (non-life) insurance such as property & casualty—under one organization and often on shared platforms and processes. Composite insurers benefit from unified customer views, cross-line risk management, and operational efficiencies, while needing flexible systems that support different products, regulations, and lifecycles across lines.
Life & Annuities (L&A)
Life & Annuities insurance focuses on long-term financial protection and wealth accumulation products, including life insurance, annuities, and retirement solutions. These products involve complex underwriting, actuarial assumptions, regulatory oversight, and ongoing policy servicing, requiring systems that support long policy lifecycles, suitability, beneficiary management, and compliance across multiple jurisdictions.
Property & Casualty (P&C)
Property & Casualty insurance covers risks related to property damage, liability, and loss events for individuals and businesses. P&C products are typically shorter-term and transaction-heavy, requiring fast underwriting, claims handling, and renewals, with strong support for exposure management, pricing accuracy, and regulatory compliance across diverse lines and regions.
Reinsurance
Reinsurance involves insurers transferring portions of risk portfolios to reinsurers to manage exposure, capital, and volatility across treaties and facultative arrangements. Reinsurance operations are data-intensive and long-tailed, requiring sophisticated contract management, exposure aggregation, claims recovery, and accounting capabilities across multiple cedants, lines, and jurisdictions.
Reinsurance, C&S, Broking
Global Specialty insurance, including the London Market, serves complex, high-value, and non-standard risks such as marine, aviation, energy, cyber, and specialty casualty through broker-driven placement and multi-carrier participation. It relies on delegated authority, subscription placement, and precise documentation, requiring systems that support bordereaux, endorsements, claims coordination, and global regulatory reporting.
Self-Insured
Self-insured organizations retain the financial risk of loss rather than transferring it fully to an insurance carrier, often supported by TPAs, captives, or fronting arrangements. These organizations focus on loss prevention, claims efficiency, and cost control, requiring integrated systems that connect safety, incidents, claims, and financial outcomes to manage total cost of risk effectively.