Una Aseguradora de Vida MNC en Singapur: Construcción de un Core Basado en Microservicios para un Futuro Impulsado por APIs e IA
Sobre el cliente
Empresa: Una de las principales aseguradoras de vida MNC
Líneas de productos: todos los principales productos de seguros de vida
Ubicación: Singapur
Negocio: Esta aseguradora es una importante compañía de seguros de vida y salud que atiende a clientes minoristas y corporativos a través de canales de bancaseguros, asesores y banca privada.
El desafío
Tras una importante adquisición en Singapur, la aseguradora enfrentó una elección estratégica de arquitectura: continuar con el enfoque tradicional de core monolítico o establecer una arquitectura moderna basada en microservicios, capaz de consolidar un entorno multi-core, habilitar nuevos negocios y reemplazar progresivamente los sistemas de registro.
Necesitaban integrar sistemas y procesos establecidos sin afectar a clientes ni socios de distribución, mientras creaban una base para acelerar la innovación en productos, siniestros y atención de pólizas, la distribución por ecosistemas y las futuras experiencias impulsadas por IA.
“Fue una iniciativa enorme, de varios años, que transformó fundamentalmente nuestro modelo operativo”, dijo. “Hoy contamos con una stack tecnológica preparada para el futuro que permite una innovación más rápida, una integración digital y de datos fluida y una mayor consistencia en las trayectorias de clientes, distribuidores y empleados.”
Chief Executive Officer
The MNC Life Insurer in Singapore
Por qué insureMO
This insurer selected insureMO to establish a fundamentally different core architecture: microservices-based, API-first and designed around reusable insurance capabilities rather than a tightly coupled monolith. Atomic APIs provide the foundation for composing higher-level Business APIs, allowing them to expose core functions as reusable digital assets for products, channels, partners, applications and future AI agents.
The architecture is built around three foundation pillars — API, Data and AI — giving them the flexibility to modernize today while creating an extensible platform for future innovation.
Microservices-based core architecture as an alternative to a traditional monolithic core
Atomic APIs as foundational building blocks for reusable Business APIs and core insurance functions
API, Data and AI as three integrated foundation pillars for transformation
Consolidation of a multi-core environment onto one platform, enabling new business while progressively replacing systems of record
Open integration with legacy systems, third parties, distribution channels and front-office applications
APIs as sales and distribution enablement assets for ecosystem and multi-channel customer experiences
AI-ready APIs that can be consumed by agents, coding assistants and future customer- and partner-facing AI applications
The result is more than a core replacement: it is a composable technology foundation designed to let this insurer innovate at the speed of the market, reuse capabilities across channels and ecosystems, and progressively move toward an AI-led operating model.
Los resultados
The new architecture is translating technology modernization into direct business outcomes — accelerating change, improving operational turnaround times and creating reusable API assets for future distribution and AI innovation.
Faster product and campaign delivery
c.20% reduction in technology-related product development time and cost
c.20% expected increase in the speed of launching campaigns
Material operational improvement across key journeys
14% reduction in Life Claims Turnaround Time
50% reduction in payment Turnaround Time
c.20% reduction in Policy Servicing Turnaround Time
API-enabled sales, distribution and servicing
They can use reusable Atomic and Business APIs to power ecosystem distribution, front-office applications and multi-channel customer servicing, reducing dependence on point-to-point integration and tightly coupled core releases.
Future-ready foundation for innovation
Modular, microservices-based architecture
Enhanced controls and reusable digital capabilities
Automated processes across core journeys
AI and automation readiness
c.15% of e2e Underwriting cases will be STP.
Automated CDD processing for plans without cash value submitted
By making core insurance capabilities available through reusable APIs, this insurer has a platform that can support faster innovation today and an AI-led ecosystem tomorrow. Atomic APIs can be composed into Business APIs, consumed by digital channels and partners, and made available to AI agents and AI-coded applications — creating a durable innovation asset beyond the core itself.
