Insurance

Insurance technology built for operational resilience

Modernize core insurance systems and apply AI across claims, underwriting, fraud detection, and compliance to reduce manual work and improve operational performance.

OUR CLIENTS

Modern insurance operations need systems built to scale

Mid-sized insurers and MGAs are slowed by rigid PAS, costly claims workflows, and compliance demands their legacy systems can’t support.

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01.

Rigid policy administration systems

When your PAS (policy administration system) can't handle new LOBs, endorsement changes, or rating updates without months of development work, product agility becomes impossible. Every new coverage type or market entry costs more than it should.

02.

Rising claims and inflating LAE

Manual FNOL (First Notice of Loss) intake, document chasing, and adjudication handoffs slow cycle times and drive up loss adjustment expenses. Each unnecessary touchpoint between FNOL and settlement increases handling effort and can add avoidable cost to the claims process.

03.

Underwriting bottlenecks

When underwriters spend their time keying submission data, chasing broker documents, and manually scoring standard risks, renewal books suffer and new business capacity shrinks, without any improvement in loss selection.

04.

Claims fraud and portfolio leakage

Rule-based SIU referral systems miss emerging fraud patterns and generate false positives that waste investigator time. Without stronger anomaly detection across claims transactions, leakage can continue unnoticed across reporting periods.

Services built for insurance operations

PAS & core platform modernization

Migrate rigid legacy policy administration systems to flexible, cloud-native architecture, enabling new LOB launches, rating changes, and endorsement updates without heavy dependence on rigid legacy development cycle.

Claims automation & LAE reduction

Automate FNOL intake, document processing, adjudication routing, and settlement workflows, cutting loss adjustment expenses and improving policyholder experience across every claims touchpoint.

Underwriting workflow automation

Intelligent submission triage, document extraction, and ML-driven risk scoring that reduces manual underwriting workload, so capacity goes toward new business and renewal retention, not data entry.

Fraud detection & SIU intelligence

ML models trained on your claims transaction data to identify anomalous patterns, generate risk-scored SIU referrals, and reduce portfolio leakage, while helping investigators prioritize higher-risk referrals.

Bordereaux & compliance automation

Automate bordereaux production, cession reporting, and regulatory filing workflows across Solvency II, GDPR, and state insurance frameworks, replacing manual spreadsheet processes with audit-ready, continuous compliance.

Legacy system modernization

Migrate aging PAS, billing, and document management infrastructure to maintainable, API-ready architecture, in phases, without disrupting active policy books, live claims, or ongoing bordereaux obligations.

Custom software solutions for scaling insurance and insurtech operations

Property & Casualty Carriers

We modernize PAS, rating engines, and claims management systems for P&C carriers managing multi-LOB portfolios, reducing time-to-market on new products and cutting the manual overhead that inflates combined ratios.

MGAs & Delegated Underwriting

We build bordereaux management, binding authority platforms, and submission workflow tools for MGAs operating under delegated underwriting arrangements, giving capacity providers the real-time data visibility they require.

Life, Health & Benefits

We engineer policy lifecycle management, benefits administration, and member portal platforms for life and health carriers, integrating underwriting automation and regulatory compliance workflows built for highly regulated product lines.

Insurtech & Embedded Insurance

We build cloud-native, API-first insurance platforms for insurtech businesses launching embedded products, digital distribution channels, and automated underwriting capabilities at speed.

Our delivery process built for critical insurance systems

Discover & assess

We evaluate your insurance workflows, systems, data flows, and operational dependencies across policy administration, claims, underwriting, compliance, and integrations. This helps us identify business priorities, technical constraints, workflow gaps, and areas where technology can better support operational performance.

Deliverables: Workflow assessment summary, system landscape overview, opportunity and constraint notes, initial delivery considerations.

Plan & Strategise

We define the solution approach, delivery roadmap, architecture direction, and implementation priorities based on your business goals, operational requirements, and existing technology environment. This ensures the work is scoped around practical delivery needs, not generic transformation goals.

Deliverables: Solution roadmap outline, architecture direction summary, integration approach notes, delivery plan draft.

Design & build

We design, develop, configure, or extend insurance technology solutions across PAS, claims, underwriting, bordereaux, reporting, customer portals, and digital distribution workflows. Each build phase is aligned with the agreed scope, technical requirements, and business workflows your teams need to support.

Deliverables: Solution design notes, configured workflows or feature increments, integration documentation, progress review materials.

Validate & refine

We test functionality, workflow accuracy, data movement, security considerations, and compliance alignment before rollout. The solution is reviewed against agreed business and technical requirements so issues can be addressed before wider adoption.

Deliverables: QA summary, workflow validation notes, issue log, refinement recommendations.

Deploy, support & improve

We support rollout, monitor system behavior, gather operational feedback, and identify improvement areas after launch. This helps the solution continue supporting changing insurance workflows, user needs, and business priorities.

Deliverables: Rollout support plan, monitoring notes, adoption feedback summary, improvement backlog.

Modernize insurance systems without disrupting live policies

From PAS modernization and claims automation to bordereaux and compliance, build a practical delivery roadmap around your existing policy books, claims workflows, and regulatory requirements.

Engagement model that fits your insurance technology roadmap

Find your engagement model

Dedicated team →

Project-Based Delivery →

Hybrid Delivery →

BEST FOR

Long-term PAS modernization, claims automation, or underwriting platform builds needing ongoing specialist continuity

Defined automation, integration, or compliance project with clear scope and timeline

Insurers splitting delivery between internal IT and external specialists

MANAGEMENT

Team works as an extension of your organization with ongoing workflow ownership

tkxel manages delivery against a fixed scope and timeline

tkxel handles execution so your team can handle strategy and oversight

FLEXIBILITY

Ongoing responsibility for defined workflows

Scope and timeline fixed at project start

Responsibilities divided and adjusted between both teams

COMPLIANCE

Team operates within your Solvency II, GDPR, or state regulatory requirements throughout

Deliverables scoped and documented to meet compliance requirements from day one

Compliance ownership split clearly between your team and tkxel

KNOWLEDGE

Institutional knowledge builds over time — engineers learn your LOBs, workflows, and portfolio structure

Full documentation handed over at project close

Strategic knowledge stays internal, execution knowledge with tkxel

COST MODEL

Ongoing retainer, predictable and scalable

Fixed project fee, no surprises

Shared cost model based on divided responsibilities

800+ engineers on board. Ready to modernize your insurance systems.

Delivering secure, compliance-ready systems for P&C insurers, life and health carriers, MGAs, and insurtech operators.

18 +

Years in insurance software engineering

73 %

Of clients return for long-term partnerships

10 Years launching and building AI products

4 GLOBAL OFFICES

Insurance businesses that have already made the shift.

Streamlined ABB's operations with Salesforce and Azure integration

Manufacturing & IndustrialSalesforce Implementation

View case study

"tkxel shared our vision right from the get go, and helped us achieve the unthinkable. Their team was highly professional."

Pam Chitwood

Product Manager, ABB

50% reduction in support workload with AI-powered document retrieval

AgricultureArtificial Intelligence

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"tkxel built an AI assistant that delivers accurate guidance fast and reduces manual work."

Director of Operations

23% increase in sales team productivity with a customized CSR system

Manufacturing & IndustrialEngineering

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Nick Drogo

Global Director IT, Knowles

The SMB Playbook for AI Adoption in 2025

Based on real-world lessons from businesses scaling AI the right way.

Partnered with the world’s top cloud providers

As an AWS partner, we apply AWS best practices for secure architectures, performance optimisation, and cost efficiency. We also leverage AWS programs and tooling to streamline modernisation and reduce operational overhead.

Our Microsoft partnership gives you access to Azure best practices, optimisation frameworks, enterprise licensing benefits, and cloud adoption programs that accelerate transformation while maintaining financial control.

We bring deep experience across GCP’s native services, cost governance capabilities, and security controls to help you standardise operations and achieve consistent optimisation across distributed environments.

Start modernizing your insurance systems today.

“tkxel completely transformed the way we manage our customer relationships. Their customized CRM system streamlined our processes and improved customer satisfaction. We highly recommend their services to any business looking for real results.”

Nick Drogo

Global Director IT, Knowles

“They helped us build a docketing app with an intuitive user interface, allowing our attorneys to track over 10,000 U.S. and international patent systems.”

Robert K Burger

COO, Sterne Kessler

“tkxel has proven beyond par that they excel not just in building and integrating with our team but building at a level that is at par with any US development team. Working with tkxel is one of the best decisions we have made.”

Umair Bashir

CTO, Replenium

“tkxel shared our vision right from the get go, and helped us achieve the unthinkable through perseverance and a thorough attention to detail. Their team was highly professional and possessed a firm grasp on technicalities, a combination that is hard to find in the industry.”

Pam Chitwood

Product Manager, ABB

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Nick Drogo

Global Director IT, Knowles

“They helped us build a docketing app with an intuitive user interface, allowing our attorneys to track over 10,000 U.S. and international patent systems.”

Robert K Burger

COO, Sterne Kessler

Umair Bashir

CTO, Replenium

Pam Chitwood

Product Manager, ABB

Frequently asked questions

What is insurance software development?

Insurance software development involves building and modernizing technology for insurers, MGAs, brokers, and insurtech companies. Solutions can include policy administration systems, claims platforms, underwriting tools, billing systems, customer portals, compliance workflows, fraud detection, and AI-powered insurance applications.

How is AI used in insurance software?

AI can support insurance workflows across claims, underwriting, fraud detection, document processing, customer service, and risk analysis. Common applications include automated document extraction, intelligent submission triage, anomaly detection, claims classification, underwriting assistance, and AI-powered workflow automation.

How can AI improve insurance claims processing?

AI can help automate First Notice of Loss intake, classify claims documents, extract relevant information, identify unusual patterns, and route claims based on complexity or risk. This can reduce manual handling, improve claims cycle times, and help adjusters focus on cases that require greater judgment.

What is insurance policy administration system modernization?

Policy administration system modernization involves upgrading or replacing legacy PAS infrastructure to support new lines of business, rating changes, endorsements, integrations, and digital channels more efficiently. Modernization can include cloud migration, API development, workflow automation, and phased re-architecture without disrupting active policies.

How can AI improve insurance underwriting?

AI can support underwriting by extracting submission data, classifying documents, identifying risk indicators, and helping prioritize cases for review. Combined with machine learning models and workflow automation, AI can reduce repetitive underwriting work while keeping human oversight in higher-risk or more complex decisions.

How does AI help detect insurance fraud?

AI and machine learning can analyze claims and transaction data to identify anomalies, behavioral patterns, and relationships that rule-based systems may miss. Risk-scored alerts can help Special Investigation Unit teams prioritize higher-risk claims while reducing unnecessary manual investigation of false positives.

What insurance workflows can be automated?

Insurance workflow automation can support policy issuance, endorsements, FNOL intake, claims routing, underwriting submissions, document processing, bordereaux reporting, regulatory filings, renewals, and customer communications. AI can extend these workflows by extracting data, classifying content, and supporting more complex decisions.

Can legacy insurance systems be integrated with modern platforms and AI?

Yes. Legacy policy, claims, billing, and document systems can often be connected to modern applications and AI services through APIs, integration layers, data pipelines, or phased modernization. This allows insurers to introduce new capabilities without replacing every core system at once.

What software solutions do MGAs and insurtech companies need?

MGAs and insurtech companies often need policy administration, underwriting workflow, bordereaux management, binding authority, claims, billing, digital distribution, and reporting platforms. API-first architecture and AI capabilities can also support automated underwriting, embedded insurance, and faster partner integrations.

How do you secure AI-powered insurance software?

AI-powered insurance software should include strong access controls, secure data handling, auditability, monitoring, and clearly defined permissions for automated workflows. Security architecture should also account for applicable privacy requirements, insurer compliance obligations, customer data sensitivity, and human review for high-impact decisions.

Insurance technology built for operational resilience

OUR CLIENTS

Modern insurance operations need systems built to scale

Rigid policy administration systems

Rising claims and inflating LAE

Underwriting bottlenecks

Claims fraud and portfolio leakage

Services built for insurance operations

PAS & core platform modernization

Claims automation & LAE reduction

Underwriting workflow automation

Fraud detection & SIU intelligence

Bordereaux & compliance automation

Legacy system modernization

Custom software solutions for scaling insurance and insurtech operations

Property & Casualty Carriers

MGAs & Delegated Underwriting

Life, Health & Benefits

Insurtech & Embedded Insurance

Our delivery process built for critical insurance systems

Discover & assess

Plan & Strategise

Design & build

Validate & refine

Deploy, support & improve

Modernize insurance systems without disrupting live policies

Engagement model that fits your insurance technology roadmap

800+ engineers on board. Ready to modernize your insurance systems.

18 +

Years in insurance software engineering

73 %

Of clients return for long-term partnerships

10

Years launching and building AI products

4

GLOBAL OFFICES

Insurance businesses that have already made the shift.

Streamlined ABB's operations with Salesforce and Azure integration

Pam Chitwood

50% reduction in support workload with AI-powered document retrieval

23% increase in sales team productivity with a customized CSR system

Nick Drogo

The SMB Playbook for AI Adoption in 2025

Partnered with the world’s top cloud providers

Start modernizing your insurance systems today.

Nick Drogo

Robert K Burger

Umair Bashir

Pam Chitwood

Nick Drogo

Robert K Burger

Umair Bashir

Pam Chitwood

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