Model Insurer


Overall winner

Taiwan Life Insurance

Customer Experience

FWD Group

AI-Driven Approach to Personalized Coverage

Akad Seguros

Empowering Brokers with Generative AI

Data, Analytics and AI

FWD Group

FWD Brain - Elevating Insurance with Intelligent Insights

John Hancock

LTC Insurance - Knowledge Graph

Cathay Life

Claims Smart Platform

Income Insurance

Income Insurance Data, Analytics, and AI Strategy

Digital and Emerging Technologies

AIA Group

Technology Digital, and Analytics (TDA) at AIA

Peppercorn Insurance

Leveraging a Specialist Insurance Conversational AI Platform


Expanding Beyond Insurance with Mobility Services

Innovation Execution

PZU Group

Innovation Lab


Enhancing Lending Experiences with Embedded Insurance


Unum's Project Trident


The First Greenfield Retail Life Assurance Company Built and Launched in Ireland in a Generation

Legacy and Ecosystem Transformation

Louisiana Workers' Compensation Corporation

Digital Transformation of Underwriting, Distribution, Submissions

Markerstudy Insurance

Claims Transformation

EastWest Ageas Life Insurance

Transformation Journey: Where Speed Meets Better Customer Experience

DUAL Group

Implementation of a Flexible and Modern MGA Management Platform


Customer Experience Transformation

AIA Thailand

Customer Acquisition Through the Digital Ecosystem

FNB Life

Touchless Funeral Claims Brought to Life

Flow Insurance

Complete Digital Flood Marketplace

nib Group

The Always-On Voicebot

Data, Analytics and AI


AI-Enabled Claims and Underwriting Transformation

Cathay Life

Cathay Eye

Digital and Emerging Technologies

Amerisure Insurance

Launching a New Surety LoB in Under Six Months

N2G Worldwide Insurance Services

Unlocking Productivity and Insights in Commercial P&C

Legacy and Ecosystem Transformation


Enterprise Data and Analytics Modernization

AIA China

Driving Growth

ICW Group

Digital Foundation Through Data Modernization

Innovation Execution

NN Group

Embedded Insurance Through Oxygen: A Cross-Border and Fast-Delivery Concept


Overall winner

Toggle, a Farmers Company

Customer Experience Transformation


Millennial Protections and the Juno Platform

NOW Insurance

The Full-Stack Insurtech


Digital-First Customer Experience

Data, Analytics, and AI


ML-Based Pricing and Rating Engines

Digital and Emerging Technologies

Lincoln Financial Group

Digital Program For Life

Innovation Execution

Legacy and Ecosystem Transformation

AIA Group

Cloud First Programme

Menora Mivtachim Insurance Ltd

Digital Claims Transformation

Amerisure Mutual Insurance Company

Powering the Underwriter with an Underwriter Workstation


Data, Analytics and AI

Anadolu Sigorta

Organized Fraud Detection via SNA


Aon-CarrierHQ Small-Fleet Trucking Program

iúnigo Argentina Compañía de Seguros

Dynamic Pricing Optimization

Legacy and Ecosystem Transformation


CNA: Providing Global Capabilities on a Low-Code Platform


Decision-based claims modeling and execution


AA: Delivering business transformation and driving innovation

Digital and Emerging Technologies

Azur Group


General de Salud Compañía de Seguros S.A.

Digital Experience Insurance Product (AMAE)

Innovation Execution

AIA International Limited

First-in-market COVID-19 alert service on the AIA Connect App


Dynamic Life - Home


mecubro API

Customer Experience Transformation

AIA International Limited

AIA Connect - Customer Experience Transformation


Ascot Array

Poste Assicura - Poste Italiane Group

Everyday Insurance. An Innovative Modular Offer


Overall winner

AIA International

Data, Analytics, and AI

Grupo San Cristóbal

Innovating Fraud Detection Processes Using Computer Vision and Deep Learning


Image Recognition Tool for Motor Claims

UNIQA Insurance Group AG

Partnering Against Fraud - Network Analytics, Text Mining, and AI in Action

Legacy and Ecosystem Transformation

Aviva plc

Simplifying Pension Operations

Guardian Life Insurance Company

Creating a New Direct-to-Consumer Business in the Cloud

Markerstudy Insurance Services Ltd.

Markerstudy Hosted Rating System (MHR)

Union Assurance

Replacing an AS400 Legacy System and Moving to the Cloud

Digital and Emerging Technologies

AA Ireland

Successful Chatbot Adoption


Cyber Protection Comes in All Sizes

LumenLab, Metlife Innovation Centre Pte Ltd.

Blockchain Brings Light to a Sandbox

Innovation Execution

Cathay Life

Project Rocket

Santalucía Seguros

Building Digital Skills

Insurance Australia Group

Building a Greenfield Startup

Customer Experience Transformation

Cathay Life Insurance

The Ace Project

Sun Life

Ella, A Digital Coach for Clients


Digital and Omnichannel

Allstate Insurance Company

An Implementation of Video Call Collaboration

Cathay Life Insurance

Digital and Omnichannel Technologies — Creative Connection Model

John Hancock

Digital Solution to Launch Direct-to-Consumer Life Insurance Products

The Penn Mutual Life Insurance Company

Penn Mutual’s Accelerated Client Experience


Digital Fraud Enhancements — Call Centre Fraud

Legacy and Ecosystem Transformation

Erie Insurance

Commercial Account Quote and Application System (QAS)


SAHARA – Single-solution Transformation Programmes

Sompo Japan Nipponkoa Himawari Life, Inc.

Transformation to ‘Trinity’ Model


Zurich Life Protection Platform (LPP)

Innovation and Emerging Technologies


Data Ecosystem & Engagement Platform (DEEP)

Liberty General

Ascent — Powering Business Transformation

Northwestern Mutual

Digital Innovation at Northwestern Mutual

Operational Excellence

Aegon Nederland N.V.

Non Negotiables — Freedom within Architectural Boundaries

Allstate Insurance Company

Becoming the Agile Center of Excellence — a Legacy Transformation

Bajaj Allianz


Data, Analytics, and AI

AIA International

Day Day Connect i-Intelligent Customer Engagement Platform


Anti-fraud Solution for Motor Accident Claims

MassMutual Data Science/ Haven Life

Accelerated Underwriting at Haven Life

Taikang Life

Speech Analysis Platform


Overall winner

Microinsurance Catastrophe Risk Organisation

Data, Analytics, and AI

Cattolica Assicurazioni, Italy

A.D.E. – Automatic Damage Estimation

IndiaFirst Life Insurance, India

Surrender prediction, product recommendations engine and crosssell model

Markerstudy Group, UK

AI Platform for Customer Acquisition and Retention

Munich Re America, USA

Smart Mobility Loss Analysis Tool

Taikang Insurance Group, China

Customer Identity Verification Platform (CIVP)

Digital and Omnichannel

Acuity Insurance, USA

Acuity Customer Quoting – Commercial Lines

Chubb, USA

Chubb Small Commercial MarketplaceSM

IndiaFirst Life Insurance, India

IndiaFirst Insurance Sales Platform

Pinnacol Assurance – Cake, USA

Cake | Workers’ comp made easy

Sompo Japan Sigorta, Turkey

Ejento Mobile Agency Application

Innovation and Emerging Technologies

AIG Canada, Canada

Travel Guard on Demand

Discovery Insure, South Africa

Vitalitydrive smartphone program

Ladder, USA

Smart life insurance

Slice Labs, USA

Slice On-Demand Insurance

Legacy and Ecosystem Transformation

AIG Canada, Canada

Rapid Core Replacement Drives Major Efficiency and Customer Experience Improvement

Anadolu Hayat Emeklilik, Turkey


Integra Insurance Solutions, UK

Legacy Transformation for the Future

Northbridge Financial Corporation, USA

Program Genesis

Operational Excellence

AIG Korea, South Korea


American Modern Insurance Group, USA

Operation optimization through process reengineering and Robotic Process Automation (RPA)

Bajaj Allianz General Insurance Company, India

Wolf of Park Street

VitalityLife, UK

Rewriting the rules of underwriting


Overall winner

CSE Insurance Group

Data Mastery and Analytics

Meteo Protect

Predicting Climate Risk

StarStone Specialty Insurance Company

Underwriting Improvements

The Savings Bank Life Insurance Company of Massachusetts

Better Risk Assessment

Digital and Omnichannel

CUNA Mutual Group

Straight Through Processing

Lincoln Financial Group

Digital New Business

New York Life

Portal in the Cloud


Church Mutual Insurance Company

Monitoring via IoT Sensors

Markerstudy Insurance

Reducing Fraud

Suramericana de Seguros S.A.- Wesura

Peer-to-Peer Insurance Platform

Legacy and Ecosystem Transformation


Legacy Replacement

Insurance Corporation of British Columbia

Legacy Replacement

Republic Indemnity

Legacy Replacement

Operational Excellence


Agile Transformation


Data Science Development Program


Virtual Global IT Organization


Overall winner

Zurich Insurance Group

Data Mastery and Analytics

Asteron Life

Analytics approach to underwriting audits and end to end risk management

Farm Bureau Financial Services

Infrastructure redesign utilizing the ACORD Data Model

Celina Insurance Group

Agency prospecting via analytics

Digital and Omnichannel

Gore Mutual Insurance Company

uBiz, e-commerce commercial insurance platform

Sagicor Life Inc.

Straight through new business processing

Zurich Insurance Group

Comprehensive view of data and analysis extracted from the different areas in one click

Innovation and Emerging Technologies

Desjardins General Insurance Group

Smart phone app for telematics auto insurance program

Promutuel Assurance

Gamification and e-learning

John Hancock Financial Services

John Hancock Vitality program with healthy living benefits

Legacy Transformation

GuideOne Insurance

Core system replacement

Teachers Life

Automated new business process from application to delivery

Westchester, A Chubb Company

End to end solution to support microbusiness unit

Operational Excellence

Pacific Specialty Insurance Company

Modernization utilizing software as a service

Guarantee insurance Company

Infrastructure as a Service

Markerstudy Group

Lean methodologies and best in class technologies


Overall winner


Data Mastery and Analytics

Celina Mutual Insurance Company

Mastering machine learning for predictive analytics


Incorporating predictive analytics in workers compensation underwriting


Using big data analytics to compete in the UK market

Digital and Omnichannel

ICICI Prudential Life Insurance Company

Complete digitization initiative

Security First Insurance

Developed personalized videos for homeowners policyholders

Societa Cattolica di Assicurazione

Creating an omnichannel experience called Click2Go

Innovation and Emerging Technologies

Achmea Australia

Managing farm risk on the farm

American Family

Implemented a company-wide idea contest to spur mobile innovation

Citizens Property Insurance Corporation

Building a clearinghouse to redistribute property risks

Legacy and Ecosystem Transformation

Pennsylvania Lumbermans Mutual Insurance Company and Indiana Lumbermans Mutual Insurance Company

Combining two affiliated insurers’ rating and policy administration platforms

Virginia Farm Bureau Mutual Insurance

Achieving results with a new end to end suite

Operational Excellence in IT Management


Building a successful continuous delivery pipeline

Operational Excellence in Non-Core Systems Implementation

Aegon Netherlands

Centralizing and leveraging document management


Overall winner



Bankers Insurance Group

Simplifying homeowners insurance shopping

Inter Hannover

Assessing exposure risk across entire distribution channel

RSA Insurance Group plc

Combatting the fraud arms race

Best IT Management

Allstate Insurance Company

Creating a centralized and standardized program management office


Allied Insurance

Dynamic branding on mobile apps

John Hancock

Comprehensive mobile sales tools for agents

Unigarant verzekeringen

Optimization of claims STP

Implementation Best Practices


Custom coverage option for BOP insurance


Reaching the middle market with Life Insurance in a Box

Millers Mutual Group

Real time rating for commercial insurance

1st Central

Delivering multi viewpoints of a single view of a customer

Legacy Transformation

Aegon UK

Combining advisor and workplace retirement platforms


Full transformation of legacy infrastructure

ICW Group Insurance Companies

Workers compensation underwriting transformation

Saxon Insurance

Transforming the auto insurance market in the Cayman Islands


Overall winner

XL Group plc

AAA Northern California, Nevada & Utah Insurance Exchange

Transitioning to a new policy administration system with effective change management.

Allstate Financial

Tapping into annuity legacy data to minimize risk.

Allstate Financial

Transforming billing through automation and reengineered end-to-end processes.


Combining internal and external data to pinpoint risks, manage accumulations, and even respond to a catastrophe.

CNA Insurance

Setting a new standard for functionality and flexibility in billing with a custom-built agent portal.

CNA Insurance

Using data analytics to combat fraud.

Friends First Life Assurance Company

Automating claims and payment processing for increased efficiency and quality.

Genworth Financial

Improving the claims process with real time, web-based filing and management.

Great American Insurance Group

Creating a low cost, low impact collaborative innovation group within IT.

Hiscox USA: Coopetition

Changing a competitor to a partner to expand distribution.

Industrial Alliance Auto and Home Insurance

Optimizing telematics technologies to reduce risks for young drivers.


Scaling role management and access certification to enterprise platforms, directories, and applications.

Jewelers Mutual Insurance Company

Redefining how the company services its customers through a complete business and system transformation.

L&T General Insurance Company Limited

Moving ahead in the Indian market using a web-based PAS for underwriting.

MetLife India Insurance Company Ltd

Creating a new benchmark for bancassurance distribution in less than a year.

Mutual Benefit Group

Reusing technology to reinforce regional carrier’s competitive edge.

ORANTA Insurance Company

Centralizing back office processes to allow front offices to concentrate on customers.

XL Group plc

Creating a single web-based platform for managing claims globally.


Overall winner

Nationwide Insurance

AEGON Nederland N.V.

Preparing for Solvency II by automating input to internal model calculations

AIG – Chartis

Using business analytics software to automate strategic risk analysis

American Safety Insurance

Integrating all underwriting units under a common system

Canal Insurance Company

Leveraging technology to open up new markets

CNA Insurance

Using a real time quoting portal that adapts to any agency’s workflow

Courtesy Insurance Company

Transforming claims through new systems and re-engineered processes

Changing the way automobile insurance is sold in Singapore

Erie Insurance

Streamlining the marketing, selling and processing of life insuranc

Great American Insurance Company

Delivering mobile applications to a niche market

HDFC Standard Life Insurance

Offering enterprisewide learning via the Internet

L&T General Insurance Company Limited

Realizing organization-wide results in short timeframe

Mitsui Sumitomo Insurance Co., Ltd.

Coping with a nationwide disaster in the cloud

Nationwide Insurance

Proactively monitoring online applications

Philadelphia Insurance

Coordinating the replacement and integration of multiple vendor systems to achieve enterprise operational efficiencies

Prudential Insurance

Using BPM to create a single intuitive view of the customer

PURE (Privilege Underwriters Reciprocal Exchange)

Using configured work flow processes to meet customers’ unique needs


Leveraging a geographic risk assessment tool to manage portfolio exposures

The Co-operative Insurance

Expanding into a strategically important distribution channel

The Hartford

Changing the business model of how life insurance is sold and bought

Tokio Marine & Nichido Fire Insurance Co., Ltd.

Offering “One-Time Insurance” products that can be bought any time and anywhere

Torus Insurance

Delivering a modern portal to brokers

Universal Insurance

The first digitalization of a claims process in the Caribbean


Using telematics to improve fleet operations and risk


Overall winner

Farmers Insurance

Allianz Life Insurance Company of North America

Improving automation servicing the distribution channel

Allied Insurance

Delivering real time processing to independent agents

Allstate Financial Services

Improving operational efficiency and risk management through modern document management

Allstate Financial Technology

Improving efficiency and risk management through IT architectural standards

Aon Benfield

Leveraging technology to open new markets

CAA South Central Ontario

Managing a content management replacement project effectively


Streamlining workflow and improving risk control

CNA Insurance

Improving IT and business alignment in the product development process

Harleysville Insurance

Using technology to enhance ease of doing business

HDFC Standard Life Insurance Company Ltd

Achieving business vision with business process automation

Kinsale Insurance Company

Rapid implementation in support of a start up operation

Life Insurance Corporation (International) B.S.C.(C)

Bringing consistency and control to a multinational operation

Lincoln National Life Insurance Company

Combining automation and sourcing to rationalize the service portfolio

Mennonite Mutual Insurance Company

Strengthening agent relationships through an agent portal

Mercury Insurance Group

Implementing multiple functional areas using an agile methodology

MetLife India Insurance Company Ltd

Supporting business expansion with standard process and flexible technology

Mountain West Farm Bureau/Western Computer Services Inc.

Using data analytics to improve claims service and operational efficiency

Narragansett Bay Insurance Company

Combining SaaS and aligned business models to speed implementation

Nationwide Insurance

Increasing agent productivity through sales reporting automation

North Light Specialty Insurance Company

Delivering speed to market for a startup operation

Pacific Compensation Insurance Company

Using cloud computing to deliver large-enterprise service and reliability for a midsize company price

Reliance Life Insurance Company Limited

Insourcing customer relationship management to support rapid growth

SPARTA Insurance Company

Coordinating multiple vendors in order to maximize data integration

Tata AIG General Insurance Company Ltd

Decreasing claims expenses through application of mobile technology


Using automated underwriting to increase straight-through processing


Overall winner

Allianz Life Insurance Company of North America

Using technology to attract new distribution partners

American Modern Insurance Group

Replacing a legacy platform in a budget-neutral manner

Atava – RSA Scandinavia

Combining the scale of a traditional company with the flexibility of a startup to build a new proposition

AVIVA-COFCO Life Insurance Company, LTD

Realizing internal and external business value through data standards

Calliden Group Limited

Consolidating multiple systems to a modern platform which enables growth in a startup operation

Capitol Insurance Companies

Bringing work processes in line with the expense structure of a book of business

Church Pension Group

Changing a legacy platform to self-service in order to realize a business vision

Erie Insurance Group

Increasing speed to market and decreasing expenses using an external rating engine

Erie Insurance Group

Tying together all parts of the insurance value chain


Implementing self-service claims with vendor technology while retaining company-specific branding/look and feel

Farmers Insurance

Using data to drive distribution strategy and tactics

FBL Financial Group, Inc

Supporting a startup business with necessary automation without incurring all costs of a traditional support structure

Harford Mutual

Using multiple technology solutions to increase ease of use for independent agents

Hertz Europe

Transforming a business model with technology


Discovering fraud that cannot be seen

Kansas City Life Insurance Company

Using ECM to modernize applications across multiple processes

Liberty Mutual Agency Markets

Changing product development from a reactive to a proactive process to support business growth


Using a standard presentation layer across the business to increase online channel revenue from multiple lines of business

Missouri Employers Mutual Insurance Company

Transformational change

Nationwide Insurance

Using technology to rapidly enter a new market with premium service requirements

PMI Group

Using an advanced testing utility to improve system delivery and business results


Supporting a segmentation approach to the market

The Cincinnati Specialty Underwriters Insurance Company

Leveraging a previous implementation in order to enter a new market quickly

The Hartford Financial Services

Bringing order to multiple, aging systems that support a critical, highly regulated process

The Phoenix Companies

Consolidating multiple systems into a single front end in order to increase efficiency and improve customer service

Tokio Marine & Nichido Fire Insurance Co., Ltd.

Overcoming critical challenges in a complex project

Unitrin Direct Auto and Home Insurance

Using business process management to modernize applications across multiple processes

Zurich Financial Services

Standardizing process and technology on a regional basis in a manner that allows for local differences.


Overall winner

Farmer’s Alliance

AIG Private Group

ePCG New Business Automation


Account Reconciliation Center (Joint Award with Aviva)


Centralized Quality Services Framework


Business Intelligence for Better and More Efficient Customer Service


Online Claims Management


Account Reconciliation Center (Joint Award with Allianz)


Reduced Systems Complexity, PerformancePlus

Farmers Insurance

Business Insurance Express


Advanced Customer Billing Options

General Casualty

Personal Lines Agency Point of Sale Enhancements

Grinnell Mutual Reinsurance Company

Workflow Automation and Paperless Processing

Independence Blue Cross

Paper Elimination “eKit Project”

Metropolitan Life Insurance Company

Attending Physician Statements Outsourcing

Penn National Insurance

Personal Lines Replacement Support

Real Insurance

Pay-As-You-Drive Product and Systems Implementation

The Harford Mutual Insurance Companies

Ratabase Rating Conversion

Tokio Marine and Nichido Fire Insurance Company

New Agency Management System, “TNet”

WPS Health Insurance

Document Generation Solution


Overall winner

Accident Compensation Corporation (New Zealand)

Distributed Enterprise Claims Management

Accident Fund

Agent Portal

AIG Direct

Flexible Billing Environment

Alfa Insurance

Driving Adoption of E-Apps

Allstate Financial

Online Applications Integrated with Tele-Apps

Allstate Financial

Project Management Office and Center of Excellence

Allstate Financial

Rationalized Data Model


Rules-Based Automated Underwriting

Assumption Life

Straight-Through Processing


Common Rating Environment


IT Governance


Rules-Based Automated Renewals

Commerce Insurance

Agency Portal

Darwin Professional Underwriters

Straight-Through Processing for Expert Producers


Integrated Contact Center/Underwriting/Policy Issue


Speed to Market through Enhanced Product Management Capabilities

FBL Financial

Improved Policy Document Management

Grange Insurance

Rich Functionality Agent Portal

Groupama Spain

Application and Infrastructure Modernization

Horace Mann

Integrated Claims Environment

Insurance House

Enterprise Data Model and Warehouse

Lincoln Financial

Agile Annuity Illustrations Platform


Improved Illustrations

MetLife Home & Auto

Improved Subrogation Assignment and Workflow

Michigan Millers

Electronic Document Intake

Midwest Family Mutual

Leveraging Work-from-Home Capabilities


Massive Server Virtualization

Penn National

Integrated GIS

Pharmacists Mutual

SaaS BI to Improve Loss Ratios


Straight-Through Processing for Commercial Lines

Scottish Friendly Assurance

Consolidated and Modernized Policy Administration System


SEMCI Support

Standard Insurance

IT Infrastructure/SOA

Sun Life Financial

Policy Document Issuance

Tokio Marine & Nichido Fire Insurance Company

IT Renewal


Document Automation


Automated Book Transfer for Agents


Straight-Through Processing and Automated Underwriting


Overall winner

AAA Missouri

E-Apps and STP


Closed Loop Lead Management

Allstate Financial

Grid Computing for Annuity Valuation

Allstate Financial

Rules-Based Automated Underwriting

American Safety

Comprehensive Reinsurance Management

Arbella Insurance Group

Common Interface Layer for Agent Portal and Agency Management System Support

Aviva Canada

Electronic FNOL

Baltimore Life



Data Mastery for Underwriter-Assisted Sales


Underwriting Process Transparency via BPM

Columbia Insurance Group

Externalized Underwriting Rules to Power E-Apps

Connecticut Healthcare Workers Compensation Trust

Automated Medical Bill Review

FCCI Insurance Group

Digital Claims Files


Document Management Center of Excellence

Great American Financial Resources Inc. (GAFRI)

Data Model and Repeatable Integration Methodology

GUARD Insurance

Agent Portal with Electronic Applications

Harvard Pilgrim Health Care

Group E-Billing

Hastings Mutual

Comprehensive Claims Environment

Helvetia Insurance Group (Switzerland)

Services-Oriented Architecture to Enable E-Business and Reduce Development Expenses

Indiana Farm Bureau

Wireless Claims Adjusters

Mutual Benefit Group

Online Quoting and Applications Based on Web Services Architecture

Mutual of Omaha

Remote Printing of Proposal Documents

Mutual of Omaha

Rules-Based Underwriting Workflow

New York Life

Common Calculation Engine

Ohio Casualty

Ultra-Configurable Core Policy System

Ohio National

Electronic Workflow with Familiar Interface

Ohio National: Electronic Workflow with Familiar Interface


Pekin Insurance

Common Calculation Engine

Penn National

Mobile Loss Control Inspectors

Reliance Standard Life

Policy Administration Replacement and Process Improvement


Professionalized Project Management

The Hartford

Data Mastery for Distribution Management

The Hartford

Rigorous IT Governance with Senior Business Executive Oversight

The Principal Financial Group

Print-on-Demand Proposals

Tokio Marine & Nichido (Japan)

Comprehensive Agent Portal

Unitrin Kemper Auto and Home

Controlling First Notice of Loss

Unitrin Kemper Auto and Home

Rules-Based Underwriting

West Bend Mutual

Geo-Coding for Reserve Management

West Bend Mutual

Point-of-Sale Automated Underwriting with Agent Feedback

Have a question?

Try speaking to one of our experts.

Contact us

Sign up for industry updates

Stay up to date on Celent's latest features and releases.

Sign up