Insurance
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.
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.
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.
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.
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.
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.
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.
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.
Faster Time-to-Market
Deliver new digital capabilities faster by connecting directly to core policy, claims, and actuarial systems — without changing the systems underneath.
Cost Reduction
Reduce development effort through automation and direct connectivity, helping teams deliver more with less dependency on legacy skills or middleware.
Big Bang Rewrites
Safely decouple legacy speed from digital innovation cycles. Legacy and cloud run in parallel — workloads shift in controlled waves.
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
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
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 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 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
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
Your policy and claims systems do not need to be replaced to deliver modern digital experiences. OpenLegacy connects directly to mainframes, IBM i, COBOL/CICS, VSAM, stored procedures, and DB2 — and generates cloud-ready APIs and services from what already exists. Legacy and cloud run in parallel throughout the process.
Legacy and Cloud run in parallel. Workloads shift in waves. The core stays stable throughout.
Create a new API layer — without touching the core. Expose existing policy administration functions, claims records, and commission data as modern APIs. Agent portals, self-service apps, and new cloud services consume these APIs while the legacy system remains the system of record. This is the fastest path to digital channel enablement, broker portal modernization, and ESB retirement.
Selectively modernize modules — while keeping the whole system running. Identify and isolate specific business functions — a claims adjudication rule, a policy rating calculation, a renewal workflow — so they can be exposed, decoupled, and progressively modernized while the existing system keeps running. New functionality deploys independently, reducing risk and allowing technical debt to be addressed in waves.
Unlock legacy data for AI, analytics, and actuarial systems. Make data from legacy databases — DB2, VSAM, IMS, stored procedures — available to cloud data stores, caches, or streaming layers without schema changes or middleware overhead. Actuarial models, fraud detection engines, AI underwriting platforms, and regulatory reporting services gain timely access to the data they need from core systems.
01Analyze
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.
02Plan
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.
03Execute
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.
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
AIG advances as a digital insurance leader, leveraging legacy systems without the cost and time of migration or invasive modernization.
Read moreGlobe Life
Globe Life launched Customer Portal 2.0 with real-time mainframe connectivity from 3270 screens — on schedule, without refactoring z/OS and z/VSE cores.
Read moreOpenLegacy 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.
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.
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 ModernizationExternal, 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 patternsOur team will show you how OpenLegacy connects to your specific systems — mainframe, IBM i, or legacy application — and generates an API in a live session. No commitment. No specialist knowledge required on your end. Just your system details and 30 minutes.
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