Adopt insureMO for Core Modernization, AI Innovation, and Ecosystem Connectivity
insureMO is an insurance middle office platform that helps insurance carriers modernize legacy core systems, launch AI-enabled insurance operations, and connect with external ecosystems such as banks, digital platforms, automakers, and distribution partners.
The Industry Challenges
For insurance carriers everywhere, core system modernization has been a huge challenge for years. As the AI revolution accelerates and pressure to connect insurance with ecosystems such as banks, technology platforms, automakers, and other distribution partners, the urgency of a new tech approach is high!
Traditional monolithic core systems are no answer to this challenge. insureMO, as an insurance industry middle office platform, is the answer.
The Strategic Imperative
Insurance carriers need to extend their existing infrastructure into new channels, markets, and AI-powered workflows — without destabilising core operations.
This requires a composable platform layer that coexists with the carrier’s existing systems and makes their capabilities accessible to the broader digital economy.
We don’t replace your core. We extend it.
As an infrastructure platform for the insurance industry, insureMO enables insurance carriers to innovate quickly and cost-effectively, without requiring a big-bang core system replacement. insureMO offers three key foundational capabilities:
Insurance API Platform- Insurance Data Platform
- Insurance AI Platform
insureMO typically connects to existing core systems, which act as the system of records (SOR). insureMO powers all applications and AI agents. Most applications can be developed via AI agent, making delivery significantly faster and more cost-effective.
In some cases, insureMO can also provide the persistence layer and support the entire core system when needed.
Core Modernisation
Wrap and extend legacy core. Add composable capabilities without rip-and-replace.
Product Launch
Configure and launch new products across markets in weeks.
Distribution Expansion
Get insurance into ecosystem partnerships and digital platforms.
Data & AI Enablement
Normalise fragmented data. Power AI models and automated decisioning.
AI-Ready Infrastructure
Make capabilities accessible to AI agents and AI coding tools.
Five ways insurance carriers use insureMO today.
How to Start?
A Practical Roadmap Instead of Large-scale Transformation. Start with Focused Execution:
Step 1: Connect insureMO with your existing core system
Enable access to key data, logic, and product structures
Step 2: Select Initial Products
Use insureMO’s Digital Insurance Product Library (DIPL) AI to extract product data from existing core into insureMO
Step 3: Build Business APIs
Use iComposer and AI to orchestrate the business APIs needed for AI agents, UI, or partner connectivity
Step 4: Recreate UI & Workflows
Develop any UI and workflow that are still needed, using 100% AI-based coding and testing.
Step 5: Deliver in ≤ 2 Months
Focus on visible, measurable outcomes—not theoretical progress
What Our Customers Say about
insureMO
“Leveraging insureMO, Chubb is able to further enhance our digital customer experiences by offering more customized products across SEA market in a much more cost-effective and efficient manner and to greatly expand our distribution networks by embedding insurance into more affinity partners' ecosystems/user journeys. insureMO, as a middle office layer, enables us to integrate with latest AI apps/capabilities while keeping our core policy admin system secure and stable.”
Ravindra Venisetti
Global CTO, Chubb Life
“We at SBI General, have always been at the forefront of digitization. We meticulously choose and work with our tech partners to ensure that we provide our distributors and end customers with the most effective, innovative latest state of art technology solutions through their preferred modes and platforms. Our partnership with insureMO is one of such initiatives in this direction.”
Anand Pejawar
Deputy Managing Director, SBI General Insurance
“The partnership with insureMO marks an important milestone in our transformation journey and is a significant step toward our goal of making insurance more accessible, efficient, and customer centric. By leveraging cutting-edge technology, we will empower our distribution channels, enhance customer interactions, and ensure scalability across our key markets.”
Andrew Lim
CEO, UOI
“Choosing insureMO as our mid-office platform is a significant step in Oona's digital transformation journey. Their capability to seamlessly create and connect diverse distribution channels gives us an edge, allowing us to accelerate our time to market for new and existing products.”
Abhishek Bhatia
Founder and Group CEO, Oona
Reimagining insurance transformation with UOI + insureMO
This video unpacks what digital transformation in insurance really means — beyond buzzwords — and explains how UOI is evolving to meet modern customer expectations.
How Chubb Life and insureMO are Transforming Insurance with Technology
This video discusses how technology, AI, and digital partnerships are transforming the insurance industry.
FAQs
Your existing policy admin system remains your system of record (SOR). insureMO sits on top of it as a middle layer, consuming your SOR data and workflows through modern APIs. This means you can launch new digital products, onboard distribution partners, and deploy AI capabilities without re-engineering your core. Many of our customers operate on legacy systems built on AS/400 or mainframe architectures and use insureMO as their modernisation bridge — without the cost or risk of a full core replacement.
Ready to modernize without the disruption?
Join Ageas, Chubb, HSBC Life, SBI General, UOI, MetLife, Oona, and hundreds of other carriers who chose a smarter path to digital transformation.