Engineering precision in every policy and claim
Core systems modernization, AI-powered underwriting, claims automation and fraud intelligence for insurance carriers and brokers at enterprise scale.
Insurance technology demands precision at every layer.
AI that reduces loss ratio, not just headcount
The AI opportunity in insurance is not automation for its own sake, it is more precise risk pricing, faster claims resolution and fraud detection at a scale no human team can match. Leading AI adopters report 3–5 percentage point improvements in loss ratio. (McKinsey (2025))
Claims: speed and accuracy as competitive differentiators
The claims experience is the moment of truth for every policyholder. Straight-through processing already handles 60% of simple claims at leading insurers, with AI flagging only the complex ones for human review. (Accenture (2025))
End-to-end capabilities for the insurance value chain
From policy administration modernization to AI underwriting and claims.
Policy Administration Modernization
Decompose legacy PAS systems into modern, API-first architectures, without disrupting active portfolios or regulatory compliance.
- PAS strangler-fig migration
- Policy lifecycle API design
- Legacy data migration & validation
- Zero-downtime cutover strategy
AI Underwriting
ML models that score risk in real time using structured, unstructured and alternative data, improving accuracy while reducing manual review.
- Real-time risk scoring (<200ms)
- Alternative data ingestion (IoT, telematics)
- Explainable AI for regulatory audit
- Model drift monitoring & retraining
Claims Automation & Intelligence
End-to-end claims processing: FNOL intake, document AI, damage assessment, intelligent routing and settlement orchestration.
- FNOL automation & triage
- Computer vision damage assessment
- Document AI (medical records, invoices)
- Straight-through processing pipelines
Fraud Detection & Investigation
Graph-based fraud networks, anomaly detection and real-time scoring that flags suspicious claims and policies at intake, before payment.
- Graph network fraud analysis
- Claims anomaly detection
- Real-time fraud scoring
- Investigation workflow automation
Regulatory & Compliance Engineering
Automate SUSEP and LGPD compliance, build audit trails and embed regulatory controls into the policy and claims pipeline.
- Automated SUSEP reporting
- LGPD data governance architecture
- Immutable audit logging
- Solvency II capital data pipelines
Customer & Distribution Platforms
Digital distribution channels, broker portals and omnichannel self-service experiences that reduce acquisition cost and improve retention.
- Digital quoting & issuance
- Broker management platform
- Claims self-service portal
- Policyholder mobile experience
Results in production.
AI Claims Intelligence
Reduced claims processing time by 65% and fraud losses by 40% through automated triage and anomaly detection.
AI Underwriting Platform
Real-time underwriting engine processing 50K+ daily quotes at <200ms latency, improving straight-through rate from 30% to 72%.
Digital Distribution Platform
Omnichannel distribution platform for 2,000+ brokers, reducing policy issuance from 3 days to 4 hours.
AI embedded in every step of the insurance lifecycle.
Lumia AI brings underwriting models, claims triage, fraud scoring and document AI to insurers, with full auditability and SUSEP compliance.
Módulos & capacidades
Pre-built modules for insurance distribution and operations.
Amplify provides modules for digital distribution, broker management, policy lifecycle and policyholder self-service.
Módulos & capacidades
Battle-tested tooling
- AWS
- Azure
- Kubernetes
- Terraform
- SRE
- MLflow
- Spark
- Kafka
- PyTorch
- LangChain
- Apigee
- MuleSoft
- Kong
- REST
- ACORD
- Vault
- OPA
- LGPD controls
- SUSEP reporting
- Audit logging
// FAQ
Frequently asked questions.
Three primary challenges: (1) legacy core systems, most insurers run policy administration platforms built in the 80s–90s; (2) data fragmentation, risk, claims and customer data in separate systems; (3) AI and actuarial talent gaps.
Loss ratio is claims paid divided by premiums earned, the primary underwriting profitability measure. AI improves it by identifying better risk signals: telematics for auto, IoT for property, behavioral signals for life, enabling more precise pricing.
STP means a claim is received, assessed, approved and paid without human review. It requires document AI, computer vision for damage assessment, fraud scoring at intake and automated payment orchestration.
SUSEP (Superintendência de Seguros Privados) regulates insurance, open pension and reinsurance in Brazil. It requires capital adequacy reporting, actuarial requirements, product registration and cybersecurity guidelines.
AI detects fraud through anomaly detection (claims that deviate from statistical norms), graph analysis (identifying connections between policyholders, workshops and health providers across multiple suspicious claims) and real-time intake scoring.
ACORD defines data standards for the insurance industry, standardized schemas for policy, claims and messages exchanged between insurers, brokers and reinsurers. ACORD-compliant systems integrate far more easily with each other.
Ready to modernize your insurance platform?
Talk to our insurance technology team about your core systems, AI and claims challenges.