AI-native PAS
Legacy policy admin was built for screens and batch runs, and every AI project fights it. We built the PAS an agent can operate: products as configuration, every operation a typed call, every change an event.
Why it matters
When the systems underneath are built to be operated by agents as well as people, the pace of the whole business changes.
A product is configuration plus approval, so you can try things, learn and adjust while the market's still paying attention.
A quote becomes a bound policy in one conversation; a change is settled while the customer is still there.
Downstream systems hear about every change in seconds, not in tomorrow's batch file.
Features
Covers, terms, bounds and documents declared as configuration, not code, including multi-benefit bundles: life, critical illness and income protection on one policy. From draft to live in days, not quarters.
Decision rules and rate tables your team can edit and approve, with insurer and reinsurer sign-off built into the process, and a full history of exactly which rates were live when.
Question sets with conditional logic and derived factors (BMI from height and weight, not another question). Hard stops, decline, refer, postpone, behave correctly mid-conversation.
Bind, mid-term adjustments, cancellations, cooling-off and renewals. Every change creates a new version on the same policy number, the full history is queryable by date, and the system notices the dates that matter without being asked.
First notice of loss in conversation, at any hour. Every claim is checked against the cover in force on the event date, not today, with the payable sum and the reinsurer's share recorded at that moment.
Card payments and Direct Debit with validated UK account details, daily collections, automatic retries and escalation when payments fail, and collection days customers can change in conversation.
Policy schedules, wording and letters generated per product and per brand, personalised to each policy, with immutable versions, so you always know exactly which document a customer received.
Manufacturers, distributors and reinsurers are first-class organisations. Launch white-label branded sites per product line, with per-brand documents, email chrome and agents.
Adoption
Run complete products end-to-end on it: quote to claim. Or start at the edges: agents in front of your existing stack, a REST API with idempotency keys on the way in, webhooks on every lifecycle event on the way out, and products that can point at an external PAS for policy admin. No rip-and-replace required to start.
Bring your architects and your hardest questions, we'll go as deep as they want.