Property & Casualty Insurance

The P&C industry is facing new challenges – a rapidly changing risk landscape, new players, and changing customer expectations. To be successful in today’s market, you need process automation and management tools that accelerate improved results in this highly transactional, approval-based and information-heavy business.

Profitably Build

P&C insurers are more focused than ever on becoming faster and more agile in their ability to deliver new products and services to both new and established markets. Newer technologies such as Artificial Intelligence (AI) and Internet of Things (IOT) are being deployed and challenging the traditional approach to product development.

Product Machine shifts carriers from a product-focused orientation to a customer experience–driven business model. With Product Machine, carriers can restructure cumbersome processes, simplify products, increase flexibility of policies, promote digital connectivity, and expand distribution options.  

Product Machine includes:

Product Modeler allows insurers to model products based on compliance approved options. It’s the single source of truth for product rules and structure to accommodate new product features, benefits, riders and statutory mandates.


  • Launch products quickly
  • Reduce development timelines 
  • Minimize overhead
  • Build customized solutions to meet customer needs and strategic goals

Product Builder allows carriers to quickly commercialize competitive products and services.


  • Build plans guided by product modeler that meet market requirements
  • Associate products to logical product bundles and packages which include alternate pricing methods associated with integration to IOT and AI applications

Product Profitability Planner allows the product department to make all decisions affecting product price including regulation changes, risk scoring routines and rate refusals.


  • Configure product pricing, and underwriting rules 
  • Standard and customized rate exhibits, proposals, EOI forms, requirement letters, etc. 
  • Support different user profiles and authority levels 
  • Expose sophisticated calculation engine used by sales, underwriting, and reserving

Profitably Sell

Automate consistent underwriting decisions leading to improved mortality and profit margins.

Underwriting Machine facilitates both financial and medical underwriting. Designed for speed, efficiency and collaboration, with Underwriting Machine you can feel confident that you are enhancing broker communication and improving customer service levels with improved tracking and faster throughput.  

Insurance companies can easily configure rules and rates specific to business needs and update them as circumstances change.

Underwriting Machine can be bundled with our other applications creating an unmatched end-to-end solution or deployed separately:

Underwriting Workbench (UWB) Base

  • Rating and Quoting (including endorsement / renewals)
  • Automated workflow rapidly routes cases to auto approval or the appropriate underwriter or resource
  • Easily configure unique business rules
  • Multi-channel support through open APIs streamlines the sales process to improve quote turn-around-time and transfer reliable data
  • Facilitates collection of collaterals & attachments
  • Easily import census and experience Data
  • Large Claim Tracking
  • Manual & Experience Rating
  • Manage rate adjustments and concessions
  • Integration with external data providers to obtain additional information about the risk

Profitably Distribute

Given the high level of catastrophe losses in 2020 and the uncertainty of COVID-19 in the future, it’s more important than ever that P&C insurers expand their product distribution capabilities to meet their customers where they are and at a lower cost-of-acquisition.

Engagement Machine delivers superior customer experiences.

Quickly and easily provide personalized, highly engaging customer experiences with Engagement Machine.  Engagement Machine is an intuitive decision support application that educates users and guides them through their options with animated stories, data visualization, decision support algorithms and benefit calculators.

Engagement Machine helps improve top-line growth by expanding your reach, simplifying complex concepts for any audience while enhancing the self-service customer experience – at a much lower cost-of-acquisition and support compared with prevailing methods.

With Engagement Machine you can:
  • Assist customers in making better decisions about their insurance needs utilizing world-class cognitive / behavioral science techniques
  • Personalize the experience with data from user profiles and other inputs
  • Use content authoring tools and calculator builders to provide highly personalized customer experiences
  • Secure customer profile, usage and satisfaction data to improve product development
  • Improve data gathering such as securing health history with a more user friendly interface designed to remove barriers to communication
  • Allow users to perform year round self-service such as filing claims