insurance
Modernize insurance without disrupting the business
Insurance carriers run on core systems that are decades old and still processing millions of policies, claims, and transactions every day. The challenge is not whether to modernize - it is how to do it safely, in phases, without putting operations at risk.
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What's holding insurance innovation back
Insurance carriers face pressure from every direction — new entrants moving faster, regulators demanding more transparency, and customers expecting digital experiences that legacy systems were never built to support. The systems themselves are not the problem. Getting value out of them quickly, and safely, is.
Improve the policyholder and agent experience
Expose core policy administration logic as standards-based APIs without modifying underlying systems. Agent portals, self-service apps, and digital channels gain real-time access to policy data, quotes, and claim status — without middleware bottlenecks.
Meet regulatory and compliance requirements (GDPR, CCPA, Solvency II, state reporting)
Auto-generate standards-based APIs from legacy structures including VSAM, IMS, CICS, and stored procedures. Audit trails, data lineage, and compliance-ready interfaces are built into the generated services — reducing manual effort and reporting risk.
Faster time-to-market with new digital products
AI-driven automation reduces the time and effort required to turn legacy policy and claims logic into reusable services. Teams accelerate new product launches without depending entirely on scarce legacy specialists or long integration queues.
Enable AI, analytics, and actuarial modeling
Actuarial models, fraud detection engines, and AI platforms need access to historical policy and claims data stored on mainframes and IBM i systems. OpenLegacy makes that data available in real time, without middleware latency or batch delays.
Modernize claims processing
Legacy claims systems slow adjudication and increase manual touchpoints. OpenLegacy exposes claims functions as event-based APIs, enabling straight-through processing, AI-assisted adjudication, and real-time status visibility — without replacing the core.
Reduce infrastructure cost and operational complexity
Direct connectivity reduces dependency on costly ESB and middleware layers. Selected workloads can shift to cloud-native deployment, reducing operational overhead and freeing budget for modernization rather than maintenance.
Proven results. Real insurers
10xFaster Time-to-Market
Deliver new digital capabilities faster by connecting directly to core policy, claims, and actuarial systems — without changing the systems underneath.
60%Cost Reduction
Reduce development effort through automation and direct connectivity, helping teams deliver more with less dependency on legacy skills or middleware.
ZeroBig Bang Rewrites
Safely decouple legacy speed from digital innovation cycles. Legacy and cloud run in parallel — workloads shift in controlled waves.
Where OpenLegacy delivers value in insurance
These are the initiatives where legacy systems are the primary bottleneck — and where OpenLegacy helps insurance carriers move faster without putting operations at risk.
Internal + External Decoupling
Core Policy System Modernization
Policy administration systems are the operational core of every insurer. Replacing them is high-risk, expensive, and slow. OpenLegacy enables insurers to expose policy functions — quoting, issuance, endorsements, renewals — as modern APIs without modifying the underlying system. Individual domains can be decoupled and re-platformed in phases while the policy engine remains operational, supporting M&A consolidation and multi-system unification in the process.
2x FasterAPI Creation
ZeroCutover Risk
External + Data Layer Decoupling
Claims Processing & Straight-Through Automation
Auto-generate standards-based APIs directly from COBOL copybooks, CICS transactions, and IBM i programs. Move from bespoke integration to a repeatable API factory. Bank Leumi went from COBOL to microservices in 5 minutes, delivering 8 per week with 1 developer and 100% compliance.
ReducedAdjudication Time
Straight-ThroughClaims Processing
External Decoupling
Agent & Broker Portal Enablement
Agent portals that depend on screen-scraping or fragile ESB connections create friction, delays, and support overhead. OpenLegacy replaces those connections with direct, standards-based APIs generated from core policy and commission systems. Agents get real-time quotes, policy status, and binding confirmation. Brokers get the self-service experience they need without the latency and unreliability of middleware-dependent integration.
Real-TimePolicy & Quote Data
EliminatedESB Dependency
Data Layer Decoupling
Actuarial Data Access & AI Enablement
Actuarial models and AI-driven pricing tools need high-throughput access to historical policy and claims data stored on IBM i and mainframe systems. Batch extracts introduce lag. Middleware adds latency. OpenLegacy provides direct, high-throughput access to legacy data pools, fueling actuarial simulations, risk modeling, and AI-driven underwriting without the overhead of traditional integration approaches.
10xScalability
ReducedBatch Lag
Internal + External Decoupling
M&A Consolidation & Legacy System Integration
Insurance M&A activity frequently leaves carriers managing multiple policy systems across different mainframe environments. Integration projects that attempt to consolidate these systems through traditional middleware are slow, expensive, and high-risk. OpenLegacy enables an API-first consolidation approach — exposing functions from each legacy system as consistent, standards-based services — so a unified digital layer can operate across disparate back-end environments without a full system replacement.
UnifiedAPI Layer
ReducedIntegration Complexity
Platform
How OpenLegacy works with your core systems
The OpenLegacy Hub drives every phase
Reverse Engineering
Securely connect to mainframe, IBM i, or legacy system. Visualize dependencies, transaction flows, and data structures to identify safe decoupling points before modernization begins for the specific project or phase.
Smart Integration
Map your modernization plan. AI-powered automation identifies the integrations needed to support the safe decoupling pattern and builds the service blueprint — without manual reverse-engineering or specialist legacy skills.
Forward Engineering
Auto-generate the services identified in the modernization plan. Deploy to cloud, on-premises, or hybrid environments. Iterate continuously - each wave builds on the last. Modernization becomes a practice, not a project.
Trusted by Leading Insurance Carriers
Insurance carriers across multiple regions use OpenLegacy to unlock their core systems, accelerate digital programs, and deliver new capabilities — without the risk of a core system replacement.
AIG
Real-time quotes and claims paid in minutes instead of days
Challenge
Call center staff retyped data from the phone application into the IBM i core, so an instant car-insurance quote would have taken about a year to build. Claims payment was a separate monthly manual effort that consumed eight staff days and still took days to reach the customer.
Solution
OpenLegacy exposed the IBM i as APIs for the call center and for claims payment. Representatives now calculate quotes without hopping across green screens, and an interface other systems can call automates the payment process.
Results
- Claims processing efficiency: 40% improvement
- Payment time: minutes instead of days
- Monthly staff effort: eight days saved
"We had an amazing experience working with OpenLegacy, starting from the requirements all the way through implementation. OpenLegacy's API microservices solution was fast to implement and enabled us to expose our IBM i legacy system to our call center customers and payment system."
AIG
Globe Life
Real-time digital experience without disrupting decades-critical mainframes
The Challenge
The portal had to deliver real-time digital experiences without putting core mainframe operations at risk. A full rewrite of z/OS and z/VSE systems was not viable on the required schedule.
The Solution
OpenLegacy unlocked real-time mainframe connectivity using existing 3270 screens as the initial integration layer — delivering immediate value without disrupting core operations. The approach was a phased journey: 3270-based integrations first, then CICS-based connections for long-term resilience, with a path forward to HATS APIs.
The Result
- Customer Portal 2.0 launched on schedule
- Real-time mainframe connectivity without core system changes
- Phased, no-risk modernization — value delivered at each stage
"By meeting the business where it was and building toward where it needs to go, Globe Life turned mainframe modernization into a phased, low-risk journey that delivers value today while paving the way for tomorrow."
Built to work with your cloud and technology partners
OpenLegacy integrates into modern cloud environments and works alongside the tools insurance carriers already rely on. Whether you are pursuing a cloud migration with a hyperscaler, extending a policy administration platform, or connecting digital channels via an API gateway — OpenLegacy fits into your architecture and delivery model.
It also complements modernization programs led by cloud providers and ISVs, fitting alongside existing migration toolchains rather than replacing them.
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Platform
Go deeper
See how OpenLegacy generates standards-based APIs directly from legacy insurance systems — enabling digital policyholder experiences, agent portals, and claims automation without a core system replacement.
Three Patterns for Insurance Modernization Without Risk
External, Internal, and Data Layer decoupling — three proven approaches to connecting legacy policy and claims systems to modern cloud environments. See how each pattern applies in an insurance context.
Learn More about decoupling patterns
10x Scalability on AWS Without Touching the Core
When COVID-19 drove a sudden surge in claims, a large insurer needed to scale fast. See how OpenLegacy eliminated legacy middleware and enabled full AWS cloud adoption in weeks — not years.
Learn how OpenLegacy Accelerates Modernization
