// Industries / Insurance
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.
// OUR DIFFERENTIATOR
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 scale. 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))
// WHAT WE DELIVER
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.
// CASES
Production results.
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.
// Plataformas
Powered by Lumia & Amplify.
Lumia AI brings underwriting models, claims triage, fraud scoring and document AI to insurers, with full auditability and SUSEP compliance.
Amplify provides modules for digital distribution, broker management, policy lifecycle and policyholder self-service.
// Stack tecnológica
Cloud
AWS
Azure
Kubernetes
TerraformAI & Data
MLflow
Spark
Kafka
LangChainIntegration
Apigee
MuleSoft
KongSecurity
Vault
OPA
SonarQube
Snyk// FAQ
Frequently asked questions.
Three primary challenges: (1) legacy core systems; (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. 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, fraud scoring at intake and automated payment orchestration.
SUSEP 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, graph analysis identifying connections between policyholders, workshops and health providers, and real-time intake scoring before payment.
ACORD defines data standards for the insurance industry — standardized schemas for policy, claims and messages between insurers, brokers and reinsurers. ACORD-compliant systems integrate far more easily.
Ready to modernize your insurance platform?
Talk to our insurance technology team about your core systems, AI and claims challenges.